Review of the Armed Forces Insurance Company

••• African American soldier mother carrying son. GettyImages/ Mark Edward Atkinson/Tracey Lee 

The Armed Forces Insurance Company (AFI) offers insurance coverage to members of the armed forces stationed stateside or abroad. The company began operations as an army garrison located in Leavenworth, Kansas in 1887. Coverage is available for auto, home, renters and business insurance. Some insurance products are underwritten through partnerships with other insurers.

Eligibility

To be eligible for coverage through AFI, you must meet one of the following criteria:

  • Active Duty
  • Retired
  • Honorably Discharged
  • National Guard
  • Reserves
  • Spouse or Surviving Spouse
  • Active or Retired Department of Defense Civilian Employee
  • Active, Retired or Former Commissioned Officer of NOAA or PHS
  • Service Academy including Merchant Marine/ROTC Cadet
  • Child of a Current of Former AFI Member
  • Former Spouse of a Current of Former AFI Member
  • Former AFI Member

Insurance Products

AFI offers military members and Army family members. Coverage options include:

  • Auto Insurance: Auto coverage options include auto liability, personal injury protection (PIP), medical payments, collision, comprehensive, uninsured/underinsured motorist, rental reimbursement, emergency roadside assistance.
  • Homeowners Insurance: Standard homeowners insurance policies are available with options to purchase additional coverage for excess personal liability, special coverage for high value items, replacement cost endorsement, personal property replacement cost endorsement, endorsement to extend coverage to other members of your household, other structures coverage on/off premises, ordinance of law endorsement, assisted living care, additional residence and identity fraud. Discounts are available for protective devices and newer homes.
  • Dwelling Fire: The dwelling fire policy is available in basic form 1, broad form 2 or special form 3 policies. The special form 3 policy covers 19 different perils, the broad form 2 policies covers 18 perils and the basic form covers 8 perils (fire/lightening, windstorm/hail, explosion, riot and civil commotion, aircraft, vehicles other than owned, vehicles owned, smoke and vandalism/malicious mischief). The special form 3 policy is only available for single-family homes less than 20 years old and valued at $100,000 or more.
  • Renters Insurance: The renters policy covers your personal property, personal liability or damage to your apartment caused by a covered loss such as fire, theft or water damage. You can purchase varying amounts of coverage based on your estimate of the value of your personal property. Additional optional coverage includes: additional living expenses, debris removal trees/shrubs or other plants, loss assessment, building additions, government assigned housing, identity fraud expense coverage and a business property endorsement.
  • Business Insurance: Business coverage options available through AFI include coverage for business assets, business liability, business auto, home day care coverage, workers compensation, builders risk, special event liability insurance and other customized business policies.

Member Services and Resources

As an AFI member, you have access to Identity Theft Advocacy Services (free advocacy services powered by CyberScout including resolutions services and fraud education) and an online tool, MyHomeWorks (Interactive tools to help you save money, inventory your personal property and more).

Resources are available on the website explaining auto/insurance, an insurance glossary and fraud prevention. There is also information available about Post-Traumatic Stress Disorder (PTSD) including a PTSD card that you can carry to alert others of the possible impact of your condition including triggers where symptoms could be triggered. Permanent Change of Station (PCS) Resources are available to help you make a smooth transition with your insurance coverage, real estate, schools and more.

Customer Service/Financial Stability Ratings/Affiliations

The Armed Forces Insurance Company does not have an accreditation form the Better Business Bureau but it does have an “A+” BBB rating scorecard. Companies are under no obligation to seek BBB accreditation.

AFI has an A.M. Best financial stability rating of B++ (Good) with a stable outlook. AFI has affiliations with The Association of the Unites States Army (AUSA); The National Association of Mutual Insurance Companies (NAMIC); Property Casualty Insurers of America (PCI); and the Institute for Business & Home Safety (IBHS).

Customer Reviews

There is a mix of online customer reviews, both negative and positive. Negative reviews involve denying claims, the price of coverage and customer service complaints. On the positive side, some customers thought the rates were reasonable and there was good customer service.

Contact Information

To learn more about all of the insurance products and eligibility for coverage, you can visit the Armed Forces Insurance Website, email service@afi.org or call 800-495-8234. Hours of service are 7:30 am – 6:30 pm. CST Monday through Friday. The mailing address is 550 Eisenhower Rd., Leavenworth, KS  66048.