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AF and L Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

AF&L Insurance Company was formerly known as American Fidelity & Liberty Insurance Company until the adoption of its new name in 2001. The company was established in 1987 as a stock life insurance company active in underwriting long-term insurance policies for accident care and general health. The company specializes in products for seniors including long-term home care and nursing home care. AF&L Insurance Company is located in Warminster, Pennsylvania.

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AF&L continues operating today as a subsidiary of American Fidelity & Liberty. Their parent company has a long-standing reputation for firm financial footing and stable growth. They experienced a slight downturn approximately six years ago, which resulted in lower stability ratings, but the company has since rebounded . AF&L Insurance Company is now among the fastest growing supplemental insurance providers in the country.

AF&L Insurance Company Agents and Locations

Few details are currently available for this company because their website is undergoing a major rebuild and is still under construction. However, it appears that the only offices the company maintains are the Pennsylvania headquarters. While it is possible they have regional offices around the country, this probably is unlikely. They are more apt to maintain a single office due to the fact that they sell and service policies through a network of local independent agents.

AF&L Insurance Company’s previous website provided two links for their agent network. One link was for current agents to logon to the system and access agent tools. The second link was to allow new potential agents to apply to represent AF&L Insurance Company. It is unclear how large their network of agents is, but it is assumed you should be able to find one in your local area regardless of where in the United States you live. You might consider checking with a few health and life insurance agents near you to see if they represent AF&L Insurance Company.

AF&L Insurance Company Claims

Because AF&L Insurance Company is a supplemental insurance underwriter, claims are often processed on a direct-to-customer basis. In other words, the customer will pay his own expenses out of pocket and then submit a claim to the insurance company. AF&L will then write a check directly to the customer for reimbursement. In some cases, such as long-term nursing home care, AF&L may make payment directly to the institution. Details must be worked out between customer and the insurance company.

It is important to note that due to the nature of their insurance products, AF&L will not necessarily accept every new customer who applies for a policy. Pre-existing conditions cost a lot of money to cover, so many insurance companies, AF&L included, have strict guidelines as to which of these conditions they will cover. AF&L has a reputation for being a bit more lenient than some of their competitors, but certainly not as lenient as others.

Seniors looking for long-term home health or nursing home care will need to speak with an AF&L agent and divulge the details about all of their pre-existing conditions. The agent has a handbook that includes guidelines for accepting or rejecting an application. He will consult that handbook according to information you supply in order to make a determination.

Customers who are rejected by AF&L do have other options available. There are other insurance companies that write policies on a much more lenient basis; you just need to persevere in your search.

AF&L Insurance Company Reviews

Reviews about AF&L Insurance Company are a mixed bag. A brief Internet search revealed a 50-50 ratio of positive to negative reviews. Among the positive reviews, many customers mentioned that they were accepted without hassle, even with certain pre-existing conditions. Many wrote that they had been with the company for many years and had always received good customer service. Customers who are pleased with AF&L seem to be prepared to recommend the company to others.

On the other hand, one of the more common complaints against AF&L Insurance Company is that their claims process is slower than expected. One customer in particular spoke about submitting a claim for her mother’s treatment and having to wait at least 10 days before AF&L even reviewed the paperwork. At the time of her post she was still waiting for the company to make a decision on whether or not they would pay. Other complaints against AF&L include representatives who are not knowledgeable of health insurance needs, and agents who are less responsive than they should be.

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