Protection you and your family can count on
In today’s unpredictable world, you know what it means to have others depend on you both on the job and at home. Protect your family’s financial future with coverage you can count on.
No war or terrorism exclusions. You are covered on and off duty with no hazardous, line of duty or occupational restrictions.
Emergency Death Benefit
Once you have coverage for two years, up to $15,000 of the total death benefit is released as an Emergency Death Benefit (EDB).* No emergency death benefit if Terminal Illness rider exercised.
Keep the Coverage
After you retire or separate, you can continue your coverage for you and your family as long as contributions are paid.
Terminal Illness Benefit
Receive 50% of the death benefit in a lump sum amount in the event of a terminal illness.^
Level Death Benefit
Benefit does not decrease with age. Whatever coverage amount you select remains the same.
Easily purchase coverage using the same enrollment form.
Family Survivor College Scholarship
As a non-life insurance member benefit, AFBA is proud to offer families of eligible fallen members the Charles C. Blanton AFBA Family Survivor College Scholarship. Surviving spouse and children are eligible for $10,000 per year, up to a total maximum benefit for the entire family of $40,000 toward an undergraduate degree. Available in all states except New York. In Virginia, only available to First Responders.
Frequently Asked Questions
Who is eligible to enroll for coverage?
All current and former federal employees and contractors, government groups, and spouses between the ages of 18-75 are eligible to enroll with coverage continuing through age 121.
What are available coverage amounts?
Choose the level of coverage that best suits your needs – ages 18-44 $25,000 to $50,000,and ages 45-75 up to $30,000 in $5,000 increments. Rates are based on your current age when you purchase coverage.
Do I need a medical exam?
With our simplified enrollment form, applying for coverage is easy. There is no medical exam. Just answer a few health questions and sign. Coverage amounts are dependent upon the answers to the Statement of Health (SOH) questions.
What happens when I retire or separate?
As long as contributions are paid, there are no occupation restrictions, so regardless of what you do after separation or any health issues that develop in the future, you’re covered.
Can I enroll if I smoke?
Yes. Rates are the same for men and women regardless of tobacco/nicotine use and based on your current age when
you purchase coverage. Rates remain level as long as you have the coverage and maintain contribution payments.
How does spouse coverage work?
Secure the same great benefits for your spouse. With our simplified enrollment form, applying for coverage is easy with no medical exam, simply have your spouse answer the SOH questions and sign. Coverage amounts are dependent upon the answers to the SOH questions.
What are the available methods of payment?
- Checkmatic/credit card
- Payroll deduct
- Direct bill
- Military allotment
We're Here to Help
Already a member? Visit the support center to file a claim, make a payment or change to your account, answer questions about your coverage, and more.Support Center
*EDB is released within one business day once all requirements are met. It can be done over the phone without the need to provide a death certificate as long as third-party proof of death can be verified (subject to contestability).
^ Terminal illness benefit may be used with less than one year of life expectancy (24-months in Illinois, Kansas, Massachusetts, and Washington). The money can be spent entirely at your discretion – to pay medical bills, out of pocket expenses, or anything else. The remainder benefit amount is paid to the beneficiary upon death.
Survivor benefits provided by AFBA are underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company) with an administrative office at 909 N. Washington Street, Alexandria, VA 22314. Survivor benefits not available in all states and U.S. Territories. Group Policy: LT050197(Rev)