Help Protect What Matters

Your health insurance often doesn't cover everything. Which means you're left to pay your deductible plus other expenses major medical plans just don't cover.

What if you had a way to help cover those costs? American Fidelity benefits are designed to pay money directly to you. That way you can decide where the money should go, because you know what's best for you.


Here are some benefits that may be available to you through your employer:



Disability Income Insurance

If you were hurt and had to miss work, how long could you go without your paycheck?

AF™ Disability Income Insurance can pay you a benefit while you're unable to work due to a covered disability and can help with expenses like your mortgage, car payment, groceries, medical bills, and more.

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Life Insurance

In the event of a tragedy, would your family be financially protected?

AF™ Life Insurance can help your family with financial pressures after you’re gone. Your coverage begins immediately at time of application and you own the policy, so you can take it with you to any future job or into retirement. 

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Cancer Insurance

AF™ Limited Benefit Cancer Insurance helps you financially so you can focus on recovery. We'll pay you directly to help pay for travel, lodging, and experimental treatment, or the gaps between your deductible and out-of-pocket max.

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Accident Insurance

Accidents strike when you least expect them, which means you're likely not financially prepared for them. AF™ Limited Benefit Accident Only Insurance plan pays you directly, helping you cover any medical expenses from accidental injuries like burns, spider bites, recreational sports, and more.

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Critical Illness Insurance

AF™ Limited Benefit Critical Illness Insurance helps with medical expenses that come with surviving a critical illness by paying you upon diagnosis of covered health conditions as defined by the policy like a heart attack, stroke, paralysis, major organ failure, and end-stage renal failure.

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Hospital Indemnity Insurance

Hospital Indemnity Insurance

AF™ Limited Benefit Hospital Indemnity Insurance (or AF Hospital Assist™) can help with out-of-pocket costs related to staying in the hospital. Depending on your plan, you may receive money for hospital admission, ICU treatment, accident surgery and treatment, and more.

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Hospital GAP PLAN® Insurance

AF™ Limited Benefit Hospital GAP PLAN® Insurance pays money directly to you to help cover some out-of-pocket expenses resulting from a sudden accident, illness, or hospitalization, like your deductible, co-insurance, and inpatient treatment expenses.

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Reimbursement Accounts

Reimbursement accounts are a way to help you with tax savings and to pay for eligible medical costs. Depending on your medical plan, your employer may offer a Healthcare Flexible Spending Account, Health Savings Account, or Health Reimbursement Arrangement. Learn more about the different reimbursements accounts below.  


Flexible Spending Accounts

A Flexible Spending Account (FSA) is money you set aside every year that can help with eligible expenses you know are coming, like prescriptions, contact lenses, or day care programs. Plus, FSAs may help reduce your taxable income, meaning you take home more of your earnings.

Health Savings Accounts

A Health Savings Account (HSA) can help you manage eligible out-of-pocket medical expenses when you have a High Deductible Health Plan (HDHP). Your contributions roll over from year to year, so you can continue to build your savings, especially if you know you have a procedure coming up.

Health Reimbursement Arrangements

A Health Reimbursement Arrangement (HRA) is a reimbursement account that's completely funded by your employer and can help offset certain out-of-pocket healthcare expenses.

Calculators to Help You Plan for the Future


Medical Costs

Estimate the medical expenses you may pay out of your own pocket (what's not covered by insurance) during the year, from bandages to contacts and glasses.



See what you need to save to have the type of retirement you want.


Tax Savings

Learn how you can save on your taxes when you put part of your paycheck into a reimbursement account like an FSA.

Manage Your Benefits Online

After you enroll in your benefits, you can register for an online account to file claims faster and easily manage your benefits and claims.



Register for an Account

The easiest way to manage your American Fidelity insurance products and reimbursement accounts is through your online account and our mobile app, AFmobile®




Download AFmobile®

Manage your insurance benefits and reimbursement accounts, submit reimbursements and claims, view your account balance, and more on our mobile app, AFmobile®!

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