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Trusted Life Insurance and Financial Services for Military Families
Aafmaa has served military families for over 140 years, offering tailored life insurance, mortgage, and wealth management solutions. Founded in 1885, we prioritize personalized service, ensuring military members and veterans receive affordable coverage and financial confidence. Our non-profit structure focuses on member needs, providing policy flexibility, investment management, and trust services.

With deep expertise in military benefits, we deliver resilient financial planning for every life stage. Our commitment to transparency and family-like care distinguishes us as a trusted partner for long-term security.
Services
Life Insurance Mortgage Loans Wealth Management Financial Planning Investment Management Trust Services Term Life Policies Whole Life Insurance Military Home Loans Refinance Options
Highlights and features
  • We specialize in military-focused financial products with 140+ years of experience.
  • Our non-profit structure ensures benefits prioritize member needs over profits.
  • Personalized service tailored to active duty, veterans, and their families.
  • Exclusive access to mortgage rates and life insurance policies for military communities.
  • Comprehensive wealth management guided by certified financial experts.
What people say
Personal service like family 140 years of resilience Best value for members Affordable coverage Expert mortgage guidance
Services
Life Insurance
We offer term and whole life policies tailored for military families, including no-medical-exam options. Our coverage ensures financial security for dependents, with flexible terms and guaranteed acceptance plans. Expert advisors help members choose policies aligning with career stages and family needs.
Mortgage Loans
Specialized military home loans feature competitive rates and VA-backed programs. Services include refinancing, construction loans, and relocation assistance. Our certified loan officers provide personalized guidance to help service members achieve homeownership goals with minimal financial strain.
Wealth Management
Comprehensive financial planning includes retirement strategies, trust services, and portfolio management. Certified experts tailor investment approaches to risk tolerance and long-term objectives. We emphasize tax-efficient solutions and intergenerational wealth transfer for military families.
People
BG Michael J. Meese, USA, Ret., PhD
President
Dr. Meese leads with 30+ years of military and academic leadership, specializing in strategic financial planning for veteran communities. His expertise ensures policies align with service members' unique needs.
COL Jerry Quinn, USA, Ret.
Chief Operating Officer
COL Quinn oversees operations with a focus on member service excellence, leveraging 25 years of logistics and resource management experience in military and non-profit sectors.
Jeff Havener
President, AAFMAA Mortgage Services LLC
Mr. Havener directs mortgage services, combining veteran insights with 20+ years of lending expertise to deliver accessible, low-rate home financing solutions for military families.
Questions
What life insurance options are available for active-duty military?
We offer term life, whole life, and no-medical-exam policies designed for active-duty members, including coverage for deployment risks and family financial security.
Can veterans get discounted mortgage rates through Armed Forces Mutual?
Yes, our mortgage division provides VA-backed loans with competitive rates, refinancing options, and specialized programs for veteran homeownership needs.
How does the membership model benefit policyholders?
As a non-profit mutual association, we reinvest earnings to enhance member benefits, offering lower premiums, dividend opportunities, and exclusive financial resources.
What financial planning tools are available for retirement?
We provide retirement income strategies, trust services, and investment portfolios tailored to military pensions and transition needs, managed by CFP® professionals.
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