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American Armed Forces Mutual Aid Association Celebrates 140 Years of Protecting Military Families


AAFMAA proudly celebrated its 140th Anniversary with a reception on June 10, 2019, honoring the Association and individuals who have contributed to AAFMAA’s growth, as well as its valued Members, all of whom are current or former members of the military.

The evening began with a reception for AAFMAA Members, employees, and partners, and progressed with remarks from AAFMAA Chairman General (Retired) Dennis Reimer, Mr. Douglas Jemal, Keynote Speaker, and AAFMAA’s President and Treasurer Major (Retired) Walt Lincoln. Throughout the evening, AAFMAA celebrated its role in the military community and highlighted AAFMAA’s service to the families of those who have fallen.

Speakers discussed how AAFMAA provides its Members always-affordable life insurance and survivor assistance, including expedited death benefit payments, helping survivors secure government benefits, and preparing government and insurance claims. They also addressed how AAFMAA has expanded to offer mortgage services, financial planning, investment management, and trust services to its more than 86,000 Members and the entire military community.

Additionally, the celebration reflected on AAFMAA’s beginnings in 1879, shortly following The Battle of The Little Bighorn, which starkly emphasized the desperate circumstances of bereaved Army families. The War Department identified the need to provide the families of deceased soldiers with financial assistance and benefits in a timely manner. While AAFMAA initially provided services exclusively to Army officers and later to Air Force members, the association now proudly offers membership to current and former servicemembers of all ranks and from all branches of the U.S. Armed Forces.

“For 140 years, AAFMAA has supported and protected members of the military and their loved ones. This celebration provides our Members, staff, and community leaders with the opportunity to reflect on the great success of these efforts and to look ahead at a future of continued service,” said AAFMAA Executive Vice President and Secretary Brigadier General (Retired) Michael Meese. “Whether it’s through our well-established services like life insurance and survivor benefits or newer offerings such as mortgage services and wealth management, our goal remains the same — protect and support those who have guarded our nation’s freedom.”

Common Questions

Yes, your AAFMAA policy will cover a death related to COVID-19 if you are an existing AAFMAA Member with a policy issued more than two years ago or prior to a COVID-19 diagnosis, even within the first two years the policy is owned. The only exclusion on AAFMAA policies is death by suicide within the first two years.

However it is important to note that death claims made against an underwritten policy issued within the last two years are contestable, regardless of the cause of death. Contestable death claims are reviewed and subject to denial if we find undisclosed material information that would have changed the outcome of the policy issuance decision.

Yes, if you are applying for a policy that requires medical underwriting, you must disclose a positive COVID-19 diagnosis. Not doing so would be considered material misrepresentation and could result in your policy being voided.

As mentioned above, death claims made against an underwritten policy issued within the last two years are contestable, regardless of the cause of death. Additionally, you don’t have to die for a material misrepresentation to void your contract. The policy can be voided at any point within the first two years if AAFMAA finds that you provided incorrect information about your health history and that the correct information would have prevented us from issuing the policy.

If you were diagnosed with having contracted COVID-19 prior to applying for life insurance and you failed to disclose that diagnosis on your application, your death claim could be denied. This is because, if you had disclosed your COVID-19 diagnosis, we would have followed current industry guidelines and possibly postponed acceptance of your application. In this case, your policy would be voided and your survivors would only receive a refund of the premiums you had paid.

No, the COVID-19 vaccine is classified as a typical wellness check, for which we do not require disclosures and do not deny death claims. We strongly suggest that our Members follow CDC recommendations and receive the COVID-19 vaccination as soon as they are eligible.

Industry guidelines indicate that a COVID-19 diagnosis may postpone acceptance of your application for a period of three weeks to 1 year following recovery, depending on the severity of symptoms and treatment. This timeline is subject to change as new information becomes available and industry guidelines are adjusted accordingly. Those who experience a full recovery may be considered for issue before 12 months, while serious cases (such as those which required a ventilator) may be postponed for longer.

No. Receiving a COVID-19 vaccination will not affect the acceptance of your application.

No, AAFMAA cannot change your premiums or your health classification on a policy you currently hold. Your premiums and health classification will remain the same, even if you have been diagnosed with COVID-19 or you are at a higher risk of exposure due to your job, living situation, or recent travel, or if you get one of the COVID-19 vaccinations approved for emergency use by the USFDA.