Protecting Your Income With American Fidelity Disability Insurance

Imagine a scenario where, due to an unforeseen accident or a sudden illness, you find yourself unable to work for an extended period. How would you manage financially? This is where disability insurance becomes your safety net, providing you with a reliable source of income when you need it the most.

Welcome to our comprehensive guide on American Fidelity Disability Insurance, a critical component of financial planning that ensures you have the protection you need in case of disability-related challenges.

The Importance of Disability Insurance

Disability insurance, often referred to as disability income insurance, is designed to safeguard your financial well-being when you are unable to work due to a disability. Disabilities can result from various causes, including accidents, illnesses, injuries, or even mental health conditions. They can be temporary, lasting a few weeks or months, or long-term, potentially lasting for years or until retirement.

One of the key distinctions of disability insurance is that it doesn’t just protect your health; it safeguards your income. In the event of a disability, you can continue to meet your financial obligations, such as mortgage or rent payments, utility bills, groceries, and even medical expenses. This ensures that you can maintain your standard of living and avoid falling into financial hardship during challenging times.

American Fidelity Disability Insurance: An Overview

American Fidelity Assurance Company, a well-established insurance provider, offers disabilities insurance solutions that cater to the diverse needs of individuals and employees. Whether you are self-employed, part of a group plan through your employer, or seeking an individual policy, American Fidelity has you covered.

Throughout this guide, we will delve into the key aspects of American Fidelity Disability Insurance, including the types of disabilities covered, policy terms and definitions, eligibility criteria, the enrollment process, and the comprehensive coverage options available. You will gain insights into the benefits of American Fidelity, including its competitive advantages, flexible coverage options, and additional riders that allow you to tailor your policy to your unique circumstances.

Your Path to Financial Security

Securing disabilities insurance is a proactive step towards ensuring your financial security. It offers peace of mind, knowing that you have a financial safety net in place, allowing you to focus on your recovery and well-being should you ever face a disability.

In the following sections, we will guide you through the intricacies of American Fidelity, empowering you to make informed decisions about your coverage. From understanding policy terms to filing a disability claim, managing premiums, accessing customer support, and comparing American Fidelity with other providers, this guide will serve as your comprehensive resource.

Don’t leave your financial future to chance. Take control of your well-being by exploring the world of American Fidelity Disability Insurance with us, and discover how this invaluable coverage can provide you with financial security and peace of mind.

Understanding Disability Insurance

Disability insurance is a crucial financial safety net that provides you with income replacement in the event that you are unable to work due to a disability. This subheading will delve into the key aspects of insurance and help you understand its importance in securing your financial well-being.

What is Disability Insurance?

Disability insurance, often referred to as disability income insurance or DI, is a type of coverage that replaces a portion of your income if you become unable to work due to a disability. Unlike other types of insurance that protect your belongings or provide medical coverage, disabilities insurance insurance focuses on protecting your ability to earn an income.

Disabilities can result from various causes, including accidents, illnesses, or injuries. They can be temporary or long-term, and they can severely impact your ability to work and earn a living. Disability insurance is designed to provide you with financial support during these challenging times.

Types of Disabilities Covered

Disability insurance typically covers a wide range of disabilities, including but not limited to:

• Accidents and injuries
• Illnesses, including chronic conditions
• Surgeries and medical procedures
• Mental health conditions

It’s essential to review your policy carefully to understand the specific disabilities that are covered, as some policies may have exclusions or limitations.

Key Terms and Concepts

When exploring disability insurance, you may encounter several key terms and concepts that are important to grasp:

• Elimination Period: This is the waiting period before you start receiving disability benefits. It can range from a few days to several months, depending on your policy.
• Benefit Amount: This is the portion of your income that the disability insurance policy will replace if you become disabled. It’s typically expressed as a percentage of your pre-disability income.
• Benefit Period: The benefit period is the length of time during which you will receive disability benefits. It can be short-term (e.g., a few months) or long-term (e.g., until retirement age).
• Definition of Disability: Insurance policies define what constitutes a disability. Some policies may use an “own occupation” definition, where you’re considered disabled if you can’t perform the duties of your specific job. Others may use an “any occupation” definition, which is more stringent.

Understanding these terms and concepts is essential when evaluating different disabilities insurance policies to ensure you choose the one that best suits your needs.

Now that we’ve explored the fundamentals of insurance, let’s delve deeper into the benefits of American Fidelity Disability Insurance in the next section.

Understanding Disability Insurance

Disability insurance is a vital component of financial planning that often goes overlooked. In this section, we will delve into the intricacies of disabilities insurance, helping you grasp its significance in safeguarding your financial well-being.

What is Disability Insurance?

Disability insurance, commonly known as disability income insurance, is a type of coverage that steps in to provide a portion of your income if you are unable to work due to a disability. Unlike other insurance types that focus on property or medical coverage, disabilities insurance is primarily concerned with protecting your capacity to earn a living.

Disabilities can arise from various causes, including accidents, illnesses, or injuries. They can be temporary or long-lasting and have the potential to significantly impact your ability to work and generate income. Disability insurance serves as a financial safety net during these challenging periods.

Types of Disabilities Covered

Disability insurance typically encompasses a wide range of disabilities, including but not limited to:

• Accidents and Injuries: Disabilities resulting from accidents, such as car crashes or falls, are commonly covered by insurance.
• Illnesses: Chronic illnesses and medical conditions that hinder your ability to work may also be covered.
• Surgeries and Medical Procedures: This insurance type can kick in when you require surgery or medical treatments that prevent you from working during the recovery period.
• Mental Health Conditions: Many policies include coverage for mental health conditions that make it impossible for you to perform your job.

It is crucial to carefully review your policy to understand the specific disabilities it covers, as some policies may contain exclusions or limitations.

Key Terms and Concepts

As you explore disability insurance, you will encounter several key terms and concepts that are essential to grasp:

• Elimination Period: This refers to the waiting period before you become eligible to receive disability benefits. The duration can vary, ranging from a few days to several months, depending on your policy.
• Benefit Amount: The benefit amount is the portion of your income that the disability insurance policy will replace if you become disabled. Typically, it is expressed as a percentage of your pre-disability income.
• Benefit Period: The benefit period is the length of time during which you will receive disability benefits. It can be either short-term (e.g., a few months) or long-term (e.g., until retirement age).
• Definition of Disability: Different insurance policies define what constitutes a disability. Some policies use an “own occupation” definition, considering you disabled if you cannot perform the duties of your specific job. Others employ an “any occupation” definition, which is more stringent.

Familiarizing yourself with these terms and concepts is crucial when evaluating different disability insurance policies to ensure you select the one that aligns best with your needs and circumstances.

Now that we have established a foundational understanding of disability insurance, let’s delve deeper into the benefits and advantages offered by American Fidelity Disability Insurance in the upcoming sections.

Benefits of American Fidelity Disability Insurance

American Fidelity Disability Insurance is a comprehensive coverage plan that offers numerous advantages, ensuring you have a reliable safety net in place when facing disability-related financial challenges. In this section, we will explore the key benefits and reasons why choosing American Fidelity Disability Insurance can provide you with peace of mind.

Financial Security during Disability

The primary benefit of American Fidelity Disability Insurance is the assurance of financial security during a period of disability. When you are unable to work due to a covered disability, this insurance provides you with a regular stream of income, helping you cover your essential expenses, such as mortgage or rent, groceries, and medical bills. This financial support allows you to maintain your quality of life and meet your financial obligations even when you cannot earn your regular income.

Competitive Advantages of American Fidelity

American Fidelity is renowned for its commitment to policyholders and its dedication to delivering top-tier insurance products. When you choose American Fidelity Disability Insurance, you benefit from:

• Exceptional Customer Service: American Fidelity is known for its outstanding customer service, ensuring that you receive prompt assistance and support when you need it the most.
• Flexible Coverage Options: American Fidelity offers a variety of coverage options, allowing you to tailor your disability insurance to suit your unique needs and budget.
• Stability and Reputation: With a long history and a strong reputation in the insurance industry, American Fidelity provides the stability and reliability you can depend on.

Tailored Coverage Options

American Fidelity understands that one size does not fit all when it comes to disability insurance. They offer a range of coverage options, allowing you to customize your policy to align with your specific circumstances:

• Short-Term Disability Insurance: This option provides coverage for disabilities expected to last for a short duration, typically up to six months.
• Long-Term Disability Insurance: If your disability is expected to persist for an extended period, long-term disability insurance provides coverage for an extended duration, possibly until you reach retirement age.
• Additional Riders and Options: American Fidelity offers various riders and add-ons that enable you to enhance your coverage. Examples include cost-of-living adjustments, residual disability benefits, and more.

These tailored options ensure that you can select the coverage that best meets your needs and provides the level of protection you require in case of disability.

In the next section, we will walk you through the eligibility criteria and enrollment process for American Fidelity Disability Insurance, helping you take the necessary steps to secure your financial future.

Eligibility and Enrollment

Understanding whether you are eligible for American Fidelity Disability Insurance and how to enroll in the program is a crucial step towards securing your financial future. In this section, we will explore the requirements for eligibility and the steps to enroll in this valuable insurance coverage.

Who is Eligible for American Fidelity Disability Insurance?

American Fidelity Disability Insurance typically extends its coverage to a broad range of individuals. While eligibility criteria may vary based on specific policy details, the following groups commonly qualify:

• Employees: Many employers offer American Fidelity Disability Insurance as part of their employee benefits package. Eligibility is typically extended to full-time and sometimes part-time employees.
• Individual Policyholders: If your employer does not provide disability insurance or if you are self-employed, you can explore individual policies offered by American Fidelity.
• Membership or Association-Based Policies: Some organizations or associations may partner with American Fidelity to offer disability insurance to their members, granting eligibility through membership.

It is essential to review the specific eligibility requirements associated with the policy you are considering, as they can vary between policies and employers.

Enrollment Process

Enrolling in American Fidelity Disability Insurance is a straightforward process, typically facilitated by your employer or through individual policy applications:

• Employer-Sponsored Coverage: If your employer offers American Fidelity Disability Insurance as part of your benefits package, you will likely have the opportunity to enroll during your company’s open enrollment period. This is typically an annual event during which you can select or modify your benefit choices.
• Individual Policies: If you are seeking individual coverage, you can directly contact American Fidelity or work with an insurance agent to initiate the application process. You will need to provide relevant personal and financial information for underwriting.
• Membership-Based Coverage: If you are eligible for American Fidelity Disability Insurance through a membership or association, inquire about the enrollment process with the organization. They will guide you through the steps to secure coverage.

During the enrollment process, you will have the opportunity to select the type of disability coverage you want, determine your benefit amount, and choose any additional riders or options that align with your needs. It’s essential to carefully review the policy details and ask any questions to ensure you understand the coverage you are selecting.

Underwriting and Approval

Once you have submitted your application for American Fidelity Disability Insurance, the insurance company will engage in an underwriting process. During this evaluation, they will assess your health and other relevant factors to determine your eligibility and set your premium rates. This process may involve medical examinations or the review of your medical history.

Upon successful underwriting, your application will be approved, and you will officially become a policyholder. You will receive detailed policy documents outlining your coverage terms, conditions, and benefits.

With your enrollment complete, you can now enjoy the peace of mind that comes with knowing you have a robust safety net in place to protect your income in case of disability. In the next section, we will delve into the various coverage options available through American Fidelity Disability Insurance.

Coverage Options

American Fidelity Disability Insurance offers a range of coverage options designed to cater to diverse needs and circumstances. In this section, we will explore the different types of coverage available, allowing you to select the option that best aligns with your financial and lifestyle requirements.

Short-Term Disability Insurance

Short-term disability insurance is tailored to provide coverage for disabilities expected to be temporary in nature. Key features of this coverage option include:

• Duration: Short-term disability insurance typically covers disabilities for a shorter duration, which can range from a few weeks to several months.
• Income Replacement: It offers a percentage of your pre-disability income as a benefit, ensuring you have financial support during your recovery.
• Quick Access: Short-term disability benefits often begin shortly after the elimination period, providing you with prompt financial assistance.

This coverage is ideal for individuals who anticipate relatively short periods of disability and want to bridge the income gap during their recovery.

Long-Term Disability Insurance

Long-term disability insurance is designed to provide coverage for disabilities that are expected to last for an extended period, possibly until retirement. Key features include:

• Duration: Long-term disability insurance offers coverage for extended periods, ensuring you have income replacement for the long haul.
• Income Replacement: It provides a portion of your pre-disability income as a benefit, offering sustained financial support throughout your disability.
• Comprehensive Protection: Long-term disability insurance offers comprehensive coverage for severe disabilities, ensuring you can maintain your standard of living.

This coverage is suitable for individuals who want to secure their financial well-being in the event of a prolonged or permanent disability.

Additional Riders and Options

American Fidelity Disability Insurance also offers various riders and optional enhancements that allow you to customize your coverage:

• Cost-of-Living Adjustment (COLA): This rider adjusts your benefit payments to keep pace with inflation, ensuring that your coverage remains effective over time.
• Residual Disability Benefits: In cases where you can work part-time or at a reduced capacity due to your disability, this option provides partial benefits to supplement your income.
• Future Increase Option (FIO): FIO allows you to increase your coverage in the future without the need for additional medical underwriting, accommodating changes in your income or needs.

These additional riders and options provide flexibility and added protection, allowing you to tailor your American Fidelity Disability Insurance policy to your specific requirements.

By offering a range of coverage options, American Fidelity ensures that you can select the disability insurance that best aligns with your unique needs and offers the level of protection you desire. In the next section, we will guide you through the process of filing a disability claim should the need arise.

Claim Process

The claim process for American Fidelity Disability Insurance is a critical aspect of the policy, as it outlines the steps you need to follow when you experience a disability and need to access your benefits. In this section, we will guide you through the process of filing a disability claim, ensuring that you receive the support you need during challenging times.

How to File a Disability Claim

When you become disabled and are unable to work, it’s essential to initiate the claims process as soon as possible to begin receiving your benefits. Here’s a general overview of the steps to file a disability claim:

• Notify Your Employer: If your disability insurance is provided through your employer, inform your employer about your disability as soon as possible. They can provide you with the necessary claim forms and guidance on the next steps.
• Contact American Fidelity: Reach out to American Fidelity’s claims department to request the appropriate claim forms. You may be able to download these forms from their website or receive them via mail.
• Complete the Claim Forms: Carefully fill out the claim forms, providing accurate information about your disability, medical treatment, and any other required documentation.
• Submit Supporting Documentation: Along with the claim forms, you will typically need to provide supporting documents, such as medical records, treatment plans, and physician statements, to substantiate your disability.
• Review and Authorization: American Fidelity will review your claim and may contact your healthcare providers for additional information or clarification. They will assess your eligibility for benefits based on your policy’s terms and conditions.
• Approval and Benefit Payments: If your claim is approved, you will start receiving disability benefit payments according to your policy’s terms. These payments can provide financial support during your disability.

Required Documentation

When filing a disability claim, you should be prepared to provide specific documentation and information. While the exact requirements may vary based on your policy, here are some common documents and details you may need:

• Medical Records: Your medical records should document the nature and extent of your disability, including diagnosis, treatment plans, and prognosis.
• Physician Statements: Statements from your treating physicians can help validate your disability and the need for income replacement.
• Employment Information: Your employment history and details of your job responsibilities may be required to assess your disability’s impact on your ability to work.
• Claim Forms: Completing and submitting the claim forms accurately is crucial to initiate the process.

Claim Approval and Payments

After your claim is submitted, American Fidelity will conduct a thorough review to determine your eligibility for benefits. This process includes assessing your medical condition and the impact of your disability on your ability to work. If your claim is approved, you can expect to receive regular benefit payments according to the terms of your policy.

It’s important to keep American Fidelity updated on any changes in your medical condition, treatment plans, or return to work status to ensure the continuous processing of your benefits.

Understanding the claim process is vital for a smooth and stress-free experience when you need to access your American Fidelity Disability Insurance benefits. In the next section, we will explore the financial aspects of your policy, including premiums and cost considerations.

Premiums and Costs

When considering American Fidelity Disability Insurance, it’s essential to understand the financial aspects of the policy. In this section, we will break down the various components of premiums and costs associated with disability insurance, helping you make an informed decision about your coverage.

Determining the Cost of Disability Insurance

The cost of your disability insurance, often referred to as the premium, depends on several factors:

• Age and Health: Younger, healthier individuals typically pay lower premiums. Insurers consider your age and health status when calculating your premium.
• Occupation: The nature of your job can influence your premium. High-risk occupations may have higher premiums due to an increased likelihood of disability.
• Income: The benefit amount you choose, which is a percentage of your income, affects your premium. Higher benefit percentages result in higher premiums.
• Elimination Period: Shorter elimination periods, the waiting period before benefits kick in, often lead to higher premiums.
  Benefit Period: Longer benefit periods, covering disabilities for an extended duration, can increase your premium.

It’s important to strike a balance between the benefit you desire and the premium you can comfortably afford. American Fidelity offers flexible options that allow you to customize your coverage while considering your budget.

Premium Payment Options

American Fidelity typically offers several payment options to make managing your premiums convenient:

• Payroll Deduction: If your employer provides disability insurance as part of your benefits package, premiums can be deducted directly from your paycheck, simplifying the payment process.
• Automatic Bank Draft: You can set up automatic bank drafts to ensure your premiums are paid on time without manual intervention.
• Annual, Semi-Annual, or Quarterly Payments: American Fidelity may offer different payment frequencies, allowing you to choose a schedule that aligns with your financial preferences.

Opting for a payment method that suits your needs can help ensure that your disability insurance remains active and that you receive uninterrupted coverage.

Cost-Saving Strategies

While disability insurance is a valuable investment, you can explore strategies to make it more cost-effective:

• Bundle Coverage: Consider bundling disability insurance with other insurance policies, such as life or health insurance, which may result in cost savings.
• Healthy Lifestyle: Maintaining a healthy lifestyle can lead to better overall health, potentially lowering your premium costs.
• Choose Wisely: Carefully assess your coverage needs and choose the options that align with your circumstances to avoid overpaying for unnecessary benefits.

Remember that the financial security offered by disability insurance can far outweigh the costs, especially when you consider the peace of mind it provides during times of disability.

In the next section, we will explore the support and resources available to you through American Fidelity Disability Insurance, including customer service and educational materials.

Customer Support and Resources

Accessing reliable customer support and educational resources is crucial when you have American Fidelity Disability Insurance. In this section, we will explore the support options and valuable resources available to help you navigate your disability insurance policy effectively.

American Fidelity’s Customer Service

American Fidelity is committed to providing exceptional customer service to its policyholders. Whether you have questions about your policy, need assistance with a claim, or require clarification on any aspect of your coverage, you can expect prompt and knowledgeable support from their dedicated customer service team.

Key features of American Fidelity’s customer service include:

• Accessibility: You can reach customer service through various channels, including phone, email, and online chat, making it easy to get in touch when you need assistance.
• Personalized Guidance: Customer service representatives are trained to address your specific questions and concerns, ensuring you receive tailored guidance.
• Claim Support: If you are filing a disability claim, American Fidelity’s customer service can help you navigate the process and provide updates on your claim’s status.

Knowing that you have access to a responsive and helpful support team can provide peace of mind throughout your policy’s duration.

Online Tools and Resources

American Fidelity offers a range of online tools and resources to help you manage your disability insurance effectively:

• Policy Information: Access your policy documents, including coverage details and benefit information, through the American Fidelity website or customer portal.
• Claim Submission: Some claims-related tasks can be completed online, streamlining the claims process and reducing paperwork.
• Educational Materials: American Fidelity provides educational resources such as articles, FAQs, and guides to help you understand your policy better.

These online resources are designed to empower you with the knowledge and tools needed to make informed decisions about your disability insurance.

FAQs and Educational Materials

Understanding the nuances of disability insurance can be complex, but American Fidelity strives to simplify the process with comprehensive FAQs and educational materials:

• Frequently Asked Questions: Browse a library of frequently asked questions to find answers to common queries about disability insurance, claims, and policy management.
• Guides and Articles: Access informative guides and articles that delve into various aspects of disability insurance, helping you make informed decisions.
• Webinars and Seminars: American Fidelity may offer webinars and seminars to provide policyholders with in-depth insights and expert guidance on disability insurance topics.

These resources serve as valuable references, ensuring that you have access to the information you need when you need it.

In conclusion, American Fidelity Disability Insurance not only offers robust coverage but also provides a strong support system and educational resources to help you navigate your policy effectively. In the final section, we will summarize the key takeaways from this guide and emphasize the importance of securing disability insurance for your financial well-being.

Comparing American Fidelity Disability Insurance

When considering disability insurance options, it’s essential to compare American Fidelity Disability Insurance with other providers to make an informed choice. In this section, we will evaluate American Fidelity’s offerings, consider customer testimonials and reviews, and highlight the importance of selecting the right disability insurance provider for your needs.

Comparing with Other Disability Insurance Providers

American Fidelity Disability Insurance stands out among many providers due to its reputation, comprehensive coverage options, and commitment to customer service. When comparing it with other insurers, here are some factors to consider:

• Coverage Options: Assess the range of coverage options offered by American Fidelity and compare them with those of other providers. Look for policies that align with your specific needs and financial goals.
• Premium Costs: Compare the premium rates offered by American Fidelity with those of other insurers. Ensure that you are getting competitive pricing for the coverage you desire.
• Customer Service: Research the reputation of American Fidelity’s customer service and compare it with reviews of other insurance companies. Quality customer support is crucial during the claims process.
• Policy Terms: Review the terms and conditions of American Fidelity Disability Insurance, paying attention to definitions of disability, elimination periods, and benefit periods. Compare these terms with those of other providers to find the best fit.

By conducting a thorough comparison, you can make an educated decision and choose the disability insurance provider that offers the most suitable coverage for your unique situation.

Testimonials and Reviews

Reading testimonials and reviews from policyholders can provide valuable insights into the customer experience with American Fidelity Disability Insurance. Look for feedback related to:

• Claims Process: Discover how smoothly the claims process went for other policyholders. Positive reviews about efficient claim processing are a good sign.
• Customer Service: Pay attention to comments about the helpfulness and responsiveness of American Fidelity’s customer service team.
• Overall Satisfaction: Evaluate the overall satisfaction of policyholders with their coverage and the company. High satisfaction rates can indicate a reliable insurer.

Keep in mind that individual experiences may vary, but looking for patterns in reviews can help you gauge the quality of service you can expect from American Fidelity.

Making an Informed Choice

Selecting the right disability insurance provider is a significant decision that impacts your financial security. Here are some key considerations to help you make an informed choice:

• Coverage Fit: Ensure that the policy you choose aligns with your occupation, income, and lifestyle. Customization is key to securing the right level of protection.
• Financial Stability: Research the financial stability and reputation of the insurance company to ensure it can meet its obligations when you need it most.
• Customer Feedback: Take into account the experiences of other policyholders through reviews and testimonials to gauge the insurer’s performance.

In conclusion, American Fidelity Disability Insurance offers robust coverage, exceptional customer service, and valuable resources. By comparing it with other providers and considering customer feedback, you can make an informed choice that safeguards your financial well-being in the event of a disability.

Conclusion

Securing American Fidelity Disability Insurance is a significant step towards protecting your financial well-being in the face of unforeseen disabilities. In this concluding section, we will recap the key benefits and takeaways from this guide, emphasizing the importance of taking proactive steps to safeguard your income and ensure a stable financial future.

Recap of the Benefits of American Fidelity Disability Insurance

American Fidelity Disability Insurance offers several notable advantages:

• Financial Security: It provides a reliable source of income during periods of disability, ensuring that you can meet your financial obligations.
• Customization: The range of coverage options and additional riders allows you to tailor your policy to your specific needs and budget.
• Exceptional Customer Service: American Fidelity’s commitment to customer support ensures that you have assistance when you need it most, particularly during the claims process.
• Educational Resources: Access to online tools, articles, and FAQs empowers you with the knowledge required to navigate your disability insurance effectively.

These benefits collectively contribute to the peace of mind that comes with knowing you have a robust safety net in place.

Encouragement to Take Proactive Steps

As you’ve learned in this guide, disability insurance is a vital component of your financial plan. Life is unpredictable, and disability can strike anyone at any time. By taking proactive steps to secure this insurance, you are actively protecting your income, your family’s well-being, and your financial future.

Here are some actionable steps to consider:

• Evaluate Your Needs: Assess your financial obligations, lifestyle, and income to determine the level of disability insurance coverage that best suits your circumstances.
• Compare Providers: Conduct thorough research, compare policy options, and read customer reviews to select the right insurance provider.
• Enroll or Review Your Coverage: If offered through your employer, take advantage of open enrollment periods to enroll in disabilities insurance. If you already have coverage, periodically review your policy to ensure it aligns with your current needs.
• Stay Informed: Continue to educate yourself about this insurance, stay up-to-date on policy changes, and make use of the available resources for policyholders.

By taking these proactive steps, you are making a commitment to protect your financial stability and that of your loved ones, even in the face of unexpected challenges.

American Fidelity Disability Insurance offers comprehensive coverage, exceptional support, and valuable resources to ensure that you are well-prepared to face disability-related financial hurdles. Your financial well-being is worth safeguarding, and disabilities insurance is a crucial tool in achieving that goal.

Don’t wait for the unexpected—act today to secure your financial future with American Fidelity Disability Insurance.