Annuity
Account Support

Yes! Log in to your online account or register for an account. You can also access your annuity account through our mobile app, AFmobile.

Your account balance, transaction history, account statements, and forms are available online.

For variable annuity account holders, you are also able to reallocate your existing investment options and change your investment options for future contributions online. For instructions on how to change your investment options online, please email annuity-services@americanfidelity.com or contact us at 800-662-1113.

Register for an Account 

To access your annuity statements online: 

1. Log in to your online account
2. Click the Annuities tab.
3. Click Statements.
4. Click the month you are searching for and the click Download.

Note: You can opt in to receive statements electronically. Statements can be viewed within 30 days after the statement end date. Once you have opted in for electronic delivery, you will receive an email each time a statement is available for viewing. Statements for the past three years will be viewable once you opt in for electronic delivery.

For variable account holders: Confirmation of Transactions reports are produced each time we process a financial transaction on your account, as required. These can also be received electronically by following the steps above. 

This list can be found in the performance reports for the separate accounts here. Select the download option for your product and you will see the list of investment options available with monthly and quarterly performance reports and a link to the current prospectus.

You can file a death claim by filling out a Death Benefit Claim Form.

To determine the beneficiary of your policy, please contact Annuity Services at 800-662-1113, or email annuity-services@americanfidelity.com.

Complete and submit the Annuities Change of Beneficiary form.

To request a duplicate policy, please contact Annuity Services at 800-662-1113, or email annuity-services@americanfidelity.com.

To cancel your annuity policy, please contact Annuity Services at 800-662-1113, or email annuity-services@americanfidelity.com for assistance.

When you have retired or separated from service, you have the following options available to you: 

• You may elect to take monthly payments and report the sums received each year as ordinary income. One advantage of this method is that overall taxation may be in a lower tax bracket.
• You may leave the balance on deposit with us until the year you reach age 73. At that time, you will need to begin receiving the Required Minimum Distribution (RMD) as an annual payout. no RMD is required from Roth accounts. 
  • Note: You have as late as April 1 of the year following the year you turn 73 to take your first RMD. If you delay your first distribution to the following April, you will need to take two distributions in that year. For each subsequent year you must take your RMD by December 31. 
• You may withdraw any portion of these funds at any time. The taxable portion will be considered taxable income in the tax year of the withdrawal. Generally, we are required to withhold 20% from your distribution for federal income tax. State tax withholding may also be withheld where applicable. You may be subject to a 10% federal tax penalty if any money is withdrawn from 403(b) Plans before age 59 ½, unless an exception applies.
• You may choose to make a “direct rollover” to a Traditional IRA or an eligible employer plan.

To change your contribution amount, contact Annuity Services at 800-662-1113 or email annuity-services@americanfidelity.com to request a change form. 

If the contribution is deducted from your paycheck, you will also need to contact your employer or plan administrator to request a change.

Traditional Individual Retirement Account (IRA) Distributions: You can withdraw from your IRA at any time. However, there are tax rules for each type of IRA. Please refer to the distribution guidelines included with the distribution forms for more details. Generally, you will pay a 10% early withdrawal tax penalty if you withdraw from your IRA before you are 59 ½.

Roth IRA Distributions: You can withdraw from your IRA at any time. However, there are tax rules for each type of IRA. Please refer to the distribution guidelines included with the distribution forms for more details. Generally, a qualified distribution will qualify for a tax-free distribution. A qualified distribution is any payment or distribution from your Roth IRA that meets the following requirements: it is made after the five-year period beginning with the first tax year for which the contribution was made to the Roth IRA set up for your benefit. 

Exceptions to the 10% penalty for withdrawal before you turn 59 ½ include distributions: 

• Made because you are disabled
• Made to a beneficiary or to your estate after your death
• One that meets the requirements for first time home buyers (up to a $10,000 lifetime limit)
• For higher education expenses
• For qualified medical expenses
• Due to a terminal illness
• For birth or adoption expenses
• Due to a qualified federal disaster relief
• For domestic abuse survivors
• Birth or Adoption

To take a distribution: 

1. Log in to your online account. 
2. Navigate to the Annuities tab.
3. Click the Annuity Forms button.
4. Select the appropriate distribution form.

If you don't have an online account, you may call Annuity Services at 800-662-1113 or email annuity-services@americanfidelity.com for distribution information.

An RMD is the amount of money that must be withdrawn from an employer-sponsored retirement plan or a Traditional IRA when you reach a certain age.

For Traditional IRAs, RMD distributions must begin by April 1 of the year following the calendar year in which you reach age 73, regardless of whether you are still employed. If you have multiple plans, RMD distributions can be taken as an aggregate from one plan. 

For a Roth IRA or Roth accounts in 403(b) and 457(b) Plans, withdrawals are not required until after the death of the owner.

For 403(b) and 457(b) Plans, RMD distributions must begin by April 1 of the year following the calendar year in which you reach age 73, unless you are still actively employed. 

To request a loan, please contact Annuity Services at 800-662-1113, or email annuity-services@americanfidelity.com to obtain policy loan information.

Note: Loans are not available with after-tax, Roth or Traditional IRA Annuities. Loans may be available with 403(b) Plan or 457(b) Plan accounts, if allowed by the plan rules.

No. The first loan would have to be satisfied before another loan can be permitted.

To check on your remaining loan balance: 

1. Log in to your online account
2. Click on the Annuity tab.
3. Select the policy you want to view for balance details.

You can also call Annuity Services at 800-662-1113 for balance information.

At this time, you cannot make a payment online or over the phone. However, you can make your loan payment by mailing it to:

American Fidelity Assurance Company
Annuity Services
P.O. Box 25520
Oklahoma City, Oklahoma 73125-0520

This is dependent upon the plan or vendor you want to transfer from and your American Fidelity 403(b) Plan or 457(b) Plan. Please call us at 800-662-1113 so we can look into your specific plan and discuss options with you.

This is dependent upon your new plan. If your new employer's plan offers American Fidelity as a vendor you can simply request a change of employer to move from one plan to another and maintain your American Fidelity account. To start this process please email annuity-services@americanfidelity.com or contact us at 800-662-1113.

If your new employer does not include American Fidelity as a vendor you may leave your account with American Fidelity and begin a new account with a vendor included in your new employer's plan.  If you would like to move your account balance with American Fidelity to the new vendor you will need to complete a transfer or rollover. To access this form, log in to your online account, go to the Annuities tab, then select Annuity Forms on the right-hand side of the screen.