Get In Touch
From specific questions to general inquiries, we’re always happy to hear from you. Contact us with your questions by contact form here, by phone during normal business hours (850) 456-7401 or you may mail or fax your written request to our office.
When contacting our customer service department please provide your name, policy number or social security number.
Hours
Mon-Fri: 8am-4:30pm CT
Phone
(850) 456-7401
Fax
Claims: 850-457-9901
Policy Services: 850-453-5440
Address
500 S. Palafox St. Suite 200
Pensacola, FL 32502
Interested in converting an SGLI or VGLI policy?
Learn more about your options and the factors to consider
Quick Answers
Term life insurance provides coverage for a specific period and offers a death benefit if you pass away during the term. Universal life insurance, on the other hand, provides lifelong coverage and offers a death benefit alongside the potential to accumulate cash value.
Most adults who are in good health can apply for life insurance. Adults under the age of 59 are eligible for universal life insurance policies, universal policies, only individuals between the ages of 20 and 50 are eligible for term policies. You may not be eligible for life insurance if you have cancer, heart conditions, or other life-threatening medical conditions or lifestyle habits.
Absolutely! We pride ourselves on being there for you when you need us. We process claims in less than 24 hours and typically have the cash in your bank account within 3 days.
Policies start at $9 per month. The exact amount you pay each month (your premium) is determined by your choices in the coverage amount and length of term, as well as your age, health, and lifestyle choices.
No. With our 5, 10, and 20-year term policies you will be charged the same amount every month for the duration of your policy. When the policy expires, your rate may change based on age and insurability at that time.
We sure do. We don’t advise canceling your policy because your coverage will lapse, but if you cancel within the first 30 days, then we will issue you a full refund. If you cancel after the initial 30 days, then we’ll simply stop charging you.
In addition to life insurance coverage, this policy grows cash value that isn’t taxed right away. This cash asset is a tremendous advantage of our universal policies.
Please contact our office or one of our agents to discuss the universal life insurance policy and to see whether this is the best policy for your needs.
Just like with all our policies, the death benefit is completely tax free. The universal policies accumulate cash value that is tax-deferred. Please contact our team to learn more.
The Policy Owner must complete the appropriate form for the requested change. Forms may be downloaded and printed from the Forms Link after logging in. The Policy Owner may also contact a Service Representative at the Home Office or send us a message through our Contact Us page.
You may contact a Service Representative or register online. By registering online you will be able to view premium payments, make withdrawals and much more. Click here to register.
Upon the death of the Insured, you will contact the Home Office Claims Department to report the death. Be prepared to advise us of the insured’s name, the date and cause of death, and the name, address, and telephone number of the person who should be contacted. A Claimant’s Statement and additional information on how to file a death claim will then be sent to the named beneficiary(ies). You may click the “Claims” link at the top of this page to download the Claimant’s Form and instructions.
Please contact our office immediately to update your banking details and ensure that your valuable coverage isn’t lost.
Recent Reviews
“We have always had exceptional service”
Carol Harrison, Verified Review
I bought my first policy from American Fidelity in 1978 and subsequently have purchased 8 more policies on myself, children and grandchildren. We have always had exceptional service from their staff all these many years and have especially cherished talking to a person and not a recording!!
“Bought life insurance for my dependents”
Dave Herrera, Verified Review
Been with American fidelity since I was 25 yrs old. ... I'm 61 now the Premium has dropped considerably and the allotment I made for 50 dollars—and the lower premium—leaves me with a savings that I can withdraw without a penalty.
“User-friendly”
Gary Brown, Verified Review
They have updated their site and made it user-friendly.
