Business Details
50+ Years
experience
Emergency
services
Your Trusted Partner for Life Insurance Solutions
American Fidelity Life Insurance has been a family-owned pillar of service to our community since 1956. Founded by decorated WWII Marine pilot Charles Woodbury, we specialize in providing life insurance solutions tailored to military service members, first responders, federal employees, and veterans. Our commitment to financial stability is rooted in strategic investments in U.S. government bonds and highly rated corporate bonds, ensuring long-term security for our policyholders.With over 67 years of experience, we have protected 100,000+ families and paid $200M in benefits, maintaining a legacy of honesty, integrity, and trust. Our team combines decades of industry expertise with a personalized approach, offering hassle-free approvals, flexible coverage options, and expert guidance to meet unique client needs.
Services
Term Life Insurance
Universal Life Insurance
Policy Conversion
Insurance Claims
Military Life Insurance
Details
- Year established: 1956
Highlights and features
- We offer 67 years of specialized expertise in military and first responder life insurance.
- Our policies start at $9/month with guaranteed rates for 5, 10, or 20-year terms.
- We invest exclusively in U.S. government and high-rated corporate bonds for stability.
- No medical exams required for term life insurance policies.
- Family-owned business upholding integrity since 1956.
What people say
Exceptional service since 1978
Premium dropped considerably
Site updated and user-friendly
Cash in bank within 3 days
Talked to person not recording
Services
Term Life Insurance
Term life insurance provides temporary financial protection for 5, 10, or 20 years. This cost-effective solution offers a tax-free death benefit to cover mortgage payments, educational expenses, or daily living costs. Ideal for working adults seeking affordable security for dependents, policies start at $9/month with guaranteed rates. Coverage amounts range from $50,000 to $300,000+, with no medical exams required for qualified applicants aged 20-50.
Universal Life Insurance
Universal life insurance offers lifelong protection with tax-deferred cash value growth. This permanent policy provides death benefits plus investment potential through guaranteed interest rates on accumulated funds. Policyholders can access cash value for retirement income or emergencies while maintaining coverage. Designed for long-term financial planning, it suits adults under 59 seeking both security and wealth-building opportunities, with flexible premium options and no expiration if maintained properly.
Policy Conversion
Policy conversion services help military members transition SGLI/VGLI coverage to commercial policies. We facilitate seamless conversions within 120 days of separation, maintaining benefits without new health assessments. Our experts guide clients through options for permanent coverage with cash accumulation features. This service ensures continued protection at fixed rates, avoiding escalating premiums associated with government programs while preserving policyholders' financial legacy.
Insurance Claims
Our claims processing service guarantees rapid benefit disbursement for term and universal life policies. We complete initial claim evaluations within 24 hours and typically deposit funds within 3 business days. The streamlined process requires minimal documentation, with dedicated representatives assisting beneficiaries through submission requirements. Tax-free payouts maintain full policy value for heirs, supported by a 67-year track record of timely settlements without disputes or delays.
Questions
What's the difference between term and universal life insurance?
Term provides coverage for 5-20 years with fixed premiums. Universal offers lifelong protection with cash value accumulation and flexible payment options.
How much does term life insurance cost?
Policies start at $9/month for healthy applicants, with rates based on age, coverage amount, and term length.
Can I get life insurance with pre-existing conditions?
Eligibility depends on health status. Those with cancer, heart conditions, or high-risk lifestyles may face restrictions.
How do I file a death claim?
Contact our claims department with policy details. We process claims within 24 hours and typically disburse funds in 3 days.
Is the death benefit tax-free?
Yes, all policy death benefits are completely tax-free for beneficiaries.
Can I cancel my policy?
Full refunds available within 30 days. After that, payments stop but no cash value remains for term policies.
