AFR Insurance offers a wide variety of insurance protection at affordable rates to match your lifestyle. Join the many policyholders who have experienced outstanding service with our company. Choose an agent near you to help you analyze your insurance needs and create a protection package for you.
Could you replace your house and all of your personal belongings if they were completely destroyed by a tornado or fire? If you own a house or condominium, our homeowners insurance package will protect your property and liability exposures.
Get the most out of your auto insurance premium. AFR Insurance has a tiered Automobile program which provides an array of options for your entire family at affordable rates.
Do you have coverage for your owner-occupied farm, including your house, livestock, farm machinery, barns and more?
Our dwelling policies may be used to insure dwellings that are rented to others or for minimal protection on an owner-occupied house or on owner occupied seasonal house.
The liability portion of your personal insurance policies may not cover certain types of claims or may not provide enough coverage for your specific needs.
It isn’t a matter of IF we need Life Insurance it’s a matter of WHEN we need it. Two really important reasons to purchase Life Insurance is to provide the security and the financial means for your loved ones to pay for burial costs and not be burdened due to the lost wages or income due to your death.
AFR Insurance Life offers a variety of Term, Whole Life and Annuity products. Each is designed to allow each individual to choose a plan that will provide coverage at all stages in life, whether you need insurance for only a short period of time or for your entire life.
A good way to explain the differences between the Term and Whole Life plans is that:
Level Term (5, 10, 15 and 20 Year)
The cost of a term policy is based on both the age and health of the insured, the length of the term period and the amount of the death benefit applied for. Due to the low premium, term insurance allows you to purchase the most insurance for your money.
20 Year Level Term – Renewable to Age 95
This plan provides a level premium and death benefit that will be guaranteed for the first 20 years. In the 21st year, the coverage will not expire like most term plans do, but will allow you to renew the coverage annually to age 95 but with an increased premium.
As you might have guessed by its name, whole life insurance offers you coverage for your entire life. Under a whole life insurance policy, your coverage will never expire and will never need to be renewed.
The coverage amount (death benefit) you choose and the premium you pay will remain the same during the premium paying period, regardless of any health challenges you face over the years. Whole Life guarantees a permanent death benefit and the cash value it builds may be used to pay for education, supplement retirement, etc.
AFR offers four convenient premium paying options to choose from:
Flexible Premium Deferred Annuity
The way you live today has considerable impact on how you live tomorrow. That means if you want a relaxing and financially secure retirement, you have to plan now. If you're still young, you can enjoy the huge benefits of compound interest even more than someone closer to retirement. An annuity can guarantee a stream of retirement income that helps you maintain a comfortable lifestyle and if possible, leave assets behind for your children and grandchildren.
The FPDA is a perfect funding vehicle for non-qualified and tax-qualified money in the form of IRA’s (Traditional and Roth), SEP’s and SIMPLE’s.
Available to both adults and children, the premiums are flexible and can be made as a single payment or payments made over a number of years. It is also designed to provide a guaranteed income once the policy matures.
Sometimes we pay our insurance premiums and wonder why -- until one day our car is stolen or our house is broken into and our precious personal "stuff" is gone. Who do we call besides the police? Our insurance company!
AFR Insurance is proud to have earned a Financial Stability Rating of A from Demotech, Inc. The Financial Stability Rating is an indicator of an insurance company’s strength. An A rating means AFR has “Exceptional ability to maintain liquidity of invested assets, quality reinsurance, acceptable financial leverage and realistic pricing while simultaneously establishing loss and loss adjustment expense reserves at reasonable levels.”
Demotech awards this rating after performing a thorough review of a company’s financial statements. This rating is independent of the size of a company due to Demotech’s belief that a small, well-run insurer may outperform a larger insurance company.