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First responders life insurance:
protection for those who protect us

Life Insurance Designed For First Responders


Life insurance for first responders is designed with the understanding of the risks you face and the critical role you play in our society. It ensures that, should anything happen to you in the line of duty, your loved ones will be financially protected and supported. This specialized insurance can offer peace of mind, knowing that your family will have the resources they need to maintain their standard of living, cover educational expenses, and fulfill any future financial goals, even in your absence.


A History of Service, Trust & Reliability


American Fidelity was founded in 1956 by decorated WWII Marine, Charles Woodbury. As a combat aviator Mr. Woodbury was instilled with a sense of purpose, commitment and all the values and traditions that make our military and country the strongest in the world. From day 1, our goal was to provide first responders with life insurance policies that matched the respect they deserve for the job that they do.

Our First Responder Life Insurance Coverage Plans

We’ve been dedicated to the security and safety of American families, generation after generation.

Active Duty


Police Officers


Why Choose AmFi?

We’ve built our business on a foundation of honesty, integrity, and trust, and we’re committed to
upholding those values in everything we do.
Safe & Secure
Safe & Secure
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We take a systematic approach to investing in United States Government bonds and highly rated corporate bonds, making AMFI one of the strongest and most stable insurance companies in America.
Expert Advice
Expert Advice
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Our experienced team is here to help you with any question, big or small.
Flexible Coverage
Flexible Coverage
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We believe in giving you choices, so we offer flexible coverage options that can match your budget and specific needs.
Appreciation For Our Military
Appreciation For Our Military
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We are proud supporters of our Armed Forces, and have been insuring the highest-at-risk members of our military since 1956.
Family First
Family First
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We know what it means to protect your family. We will help protect yours, even if you can’t.
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Get approved online in under 10 minutes. No medical exams, no blood tests. Our goal is to make life insurance simple and accessible for you.

Our Coverage Plans

Don’t leave your loved ones’ future to chance. Start by understanding the differences to find the perfect plan

Term Life

Universal Life

Term life insurance is a type of policy that provides coverage for a specified period, ranging from 5 to 20 years.

A universal life policy pays a death benefit whether you die tomorrow or live to be 100. These policies provide coverage for a specified period, and offer a range of benefits beyond just a death benefit.

How Long Does It Last?

You can hoose between 5, 10, or 20 years of coverage with a guaranteed payout.

A permanent life insurance policy offers coverage for the duration of your life, as long as premiums are paid.

What Can It Cover?

Term life insurance replaces your lost income during crucial moments like raising children or paying off the mortgage.

In addition to a death benefit, it provides additional financial benefits, such as a tax-free cash accumulation

How Much Does It Cost?

Our plans begin for as low as $9/month.

Our plans are unique based on your needs, though more expensive than a term policy, but flexible payment options

Who Should Get It?

Our Term Life policy is only available for those in good health between the ages of 20-50

Our universal life policies require medical exams that will help determine your eligibility and premiums.

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Recent Reviews

“We have always had exceptional service”
Carol Harrison, Verified Review
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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
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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.
Gary Brown, Verified Review
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They have updated their site and made it user-friendly.

Detailed Report

We compare favorably to 25 of the leading life insurance companies,

according to reputable Independent Reports.

Frequently Asked Questions From Our Active Duty Community


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. 

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