Coverage You Can Count On

Over 100,000 active duty military members, first responders, and veterans chose AmFi to protect their families. Don’t leave your family unprepared. Get coverage today.

Life Insurance 101

Getting Started

Coverage Plans

Why AmFi

FAQ’S

What Is Life Insurance

Life insurance is a financial agreement in which you pay regular premiums in exchange for a policy that offers financial protection to your beneficiaries upon your death. It acts as a safety net for your loved ones, providing them with a lump sum payment known as the death benefit. This payout can be used to cover things like funeral expenses, outstanding debts, mortgage payments, and daily living expenses. Some types of life insurance policies also offer investment potential and provide other benefits that can be utilized while alive.

What Is Life Insurance

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amfilife

Why do I need it?

Life insurance serves as a shield of financial security, ensuring that your loved ones are not burdened with financial hardships during challenging times. By obtaining life insurance, you create a safety net that will catch your family if you were to pass away unexpectedly. Life insurance offers you the peace of mind that comes with knowing your loved ones will be cared for, even when you can no longer be there to do so yourself.

Why do I need it?

amfilife
amfilife

How do I get started?

AmFi offers two types of life insurance products, each with their own unique features and benefits designed to meet your unique needs.

Determine The Right Policy

Term Life

Term life insurance offers temporary protection. It’s a good option for those who only need insurance for a certain period of time.

Universal Life

Universal life insurance offers permanent protection. It’s a good option for those who want their insurance policy to build cash value (which can be used while alive) in addition to their death benefit. 

How Long Does It Last?

We offer 5, 10, and 20 year term insurance policies. 

Our Universal life insurance offers coverage for the duration of your life, as long as premiums are paid.

What Can It Cover?

Paid as a lump sum, term insurance can be used however the beneficiary chooses.

The tax-free cash that accumulates in a Universal Life policy can be utilized at your discretion while alive, in addition to providing a lump sum payment when deceased. 

How Much Does It Cost?

Term insurance provides the greatest amount of coverage for the lowest amount of premium. Our plans begin for as low as $9/month.

The exact cost will be based on your unique needs and goals. Though more expensive than a term policy, our Universal policy comes with flexible payment options

Who Should Get It?

Term Life policies are great for those who want to ensure their family members don’t face financial difficulty due to the unexpected loss of their income. 

Our Universal Life policies are ideal for those who want an excellent investment vehicle in addition to a death benefit. 

Calculate Your Needs

A $50,000 life insurance policy is a small amount of insurance that is suitable for those whose family doesn’t rely on their income, or as an inexpensive way to add additional coverage.

This amount can be typically used to:

  • Cover Family Needs
  • Cover End of Life Expenses
  • Pay off Debts

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A $200,000 life insurance policy is considered a good middle ground for people who may have dependencies and family obligations.

This amount can be typically used to:

  • Cover Family Needs
  • Cover End of Life Expenses
  • Pay off Debts

Contact Us To Get Started

$300,000+ of life insurance is appropriate for those whose income is greater than $50k per year, or for those looking to build wealth in addition to providing coverage for their family.

This amount can be typically used to:

  • Cover Family Needs
  • Cover End of Life Expenses
  • Pay off Debts

Contact Us To Get Started

amfilife
amfilife
amfilife

Coverage Amount

$50,000.00

$200,000.00

$300,000.00 +

Contact Us or Get A Quote

Term Life Insurance

Temporary protection limited to a period of time.

Universal Life Insurance

Life-long protection that offers investment potential in addition to a death benefit.

A History of Service, Trust and Reliability

American Fidelity Life Insurance is proud to be a family-owned business with a rich history of service to our community.

A History of Service, Trust and Reliability

American Fidelity Life Insurance is proud to be a family-owned business with a rich history of service to our community.

Why Choose American Fidelity?

We’ve built our life insurance company on a foundation of honesty, integrity, and trust, and we’re committed to upholding those values in everything we do.

Hassle-Free

Our goal is to make life insurance simple and accessible for you and your family.

Flexible Coverage

We believe in giving you choices, so we offer flexible coverage options that can match your budget and specific needs.

Safe & Secure​

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.

Appreciation For Our Military

We are proud supporters of our Armed Forces, and have been insuring the highest-at-risk members of our military since 1956.

Family First

We know what it means to protect your family. We will help protect yours, even if you can’t.

Expert Advice

Our experienced team is here to help you with any question, big or small, whether you’re transitioning from the armed services or just looking to ensure your family’s financial well-being.

Why Choose American Fidelity?

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.

Hassle-Free
Hassle-Free
Read More
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.
Flexible Coverage
Flexible Coverage
Read More
We believe in giving you choices, so we offer flexible coverage options that can match your budget and specific needs.
Safe & Secure​
Safe & Secure​
Read More
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.
Appreciation For Our Military
Appreciation For Our Military
Read More
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
Read More
We know what it means to protect your family. We will help protect yours, even if you can’t.
Expert Advice
Expert Advice
Read More
Our experienced team is here to help you with any question, big or small.

Frequently Asked Questions

FAQ

Term insurance gives you coverage for a certain number of years, whereas universal insurance gives you lifelong coverage. Our term plans are affordable with steady rates. Our universal policies have fixed rates for life, even if you get older or your health changes.

Generally healthy people can apply. All ages are eligible for the universal policy but the term policy is only available for those between the ages of 20 – 50 years of age. You may not be eligible for the policy if you have cancer, heart conditions, or other life-threatening medical conditions or lifestyle habits.

Absolutely. Unlike many insurance companies, 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 of filing your claim. 

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. 

Protect Your Family For As Low As $10/mo

There are no guarantees in life, except this one: We help protect your family, in case you can’t.
You’re here for them. We’re here for you.