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From A Lifetime Of Coverage

We help protect your family, in case you can’t. No medical exams, no blood tests – apply online to get covered today.

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What is Universal Life Insurance?

A universal life policy pays a death benefit whether you die tomorrow or live to be 100. Unlike term life insurance, which provides coverage for a specified period, universal life insurance policies offer a range of benefits beyond just a death benefit. These policies typically include a component that accumulates cash value over time, which can be used for a variety of purposes, such as retirement income or to leave a legacy for your heirs.

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

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Features That Matter

Exploring Lasting Features That Define Our Life Insurance Offerings, Tailored for Your Long-term Security.

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Benefits That Last

Unveiling Enduring Benefits That Last a Lifetime with Our Life Insurance Solutions.

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Nurturing Wealth and Personal Security through Universal Life Insurance

By choosing AmFi’s Future First Universal Life Insurance policy, you’ll not only build up a valuable cash reserve but also provide lasting protection and peace of mind for your loved ones, even when you’re no longer with them.

Accumulate cash value

With our Future First Universal Life Insurance policy, you will accumulate tax-free cash value over time. This cash can be used for a variety of purposes, such as loans or withdrawals. You can borrow these funds even if your credit is shaky.

Offers investment potential

Grow the value of your coverage and tax-free cash fund with guaranteed high interest rates. Our Future First Universal Life Insurance Policy offers a market-leading interest rate that outperforms other investment opportunities.

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.

Hassle-Free
Hassle-Free
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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.
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.
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.
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.
Expert Advice
Expert Advice
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Our experienced team is here to help you with any question, big or small.

How To Apply For Universal Life Insurance

It only takes a few steps to get Universal Life Insurance

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Get Pre-Approved

Connect with an Agent. They will customize a quote for you based on your unique goals.

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Complete The Application

Answer a few questions about your health + lifestyle, which may involve a medical exam.

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Get Instant Coverage

Once your coverage is approved, you can make your payments, then sit back and relax.

Get Started Now

Reach out to one of our dedicated agents who can provide you with comprehensive information on pricing, the array of benefits available, and guide you through the application process.

Feel free to contact us at (850) 456-7401 for a complimentary quote, or simply complete our contact form, and we will be sure to get in touch with you at your convenience.
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What If Universal Life Insurance Isn’t Right For Me?

Unveiling Enduring Benefits That Last a Lifetime with Our Life Insurance Solutions."

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Compare Our Policies

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

Term Life

Universal Life

Provides coverage for a limited time period (term)

Provides lifelong coverage

The most affordable form of life insurance

More expensive, but flexible payment options

Does not provide additional financial benefits while you’re living

Provides additional financial benefits, such as a tax-free cash accumulation at guaranteed interest rates

Rates may increase if you renew the policy at the end of the term

Rates will not increase as long unless you allow the policy to expire

Looking to boost your current Universal Policy?

Looking to Boost Your Current Universal Policy?

Add on a term life plan can help boost your coverage by up to $200,000.00

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. 

Connect with our agents to get a quote

Our dedicated agents who can provide you with comprehensive information on pricing, the array of benefits available, and guide you through the application process.

Feel free to contact us at (850) 456-7401 for a complimentary quote, or simply complete our contact form, and we will be sure to get in touch with you at your convenience.

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