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In The News

Take Part in Blue Star Welcome Week 2021 – September 25-Oct 3


Blue Star Families is a familiar name in the military community — they have made a global impact on military families around the world since their founding in 2009 by a group of military spouses. Their efforts to ensure servicemembers have the support they need to thrive is just one of the important reasons AAFMAA is proud to be a part of Blue Star Welcome Week, in recognition of the approximately 600,000 active-duty and transitioning military families who move to new communities each year. From September 25 to October 3, military and Veteran families can get to know their communities better, meet their neighbors, and feel a sense of belonging in their new homes.

Related: Meet our New Partner: Team Red, White & Blue 

Blue Star Families and its partners invite members of the greater community across the country and throughout the world to participate by signing a welcome card at bluestarwelcomeweek.org to help welcome new military families to your local neighborhood. Or, if you’re settling into a new location you can sign up to receive a card yourself.

As the longest-standing non-profit organization dedicated to serving members of the military community, AAFMAA is your trusted partner in building financial security for the years to come. From life insurance to mortgage solutions to financial expertise, we help guide active duty, Veterans and spouses with a deep understanding of military life. 

About Blue Star Families

Blue Star Families was founded by military spouses in 2009 to empower military families to thrive by connecting them with their neighbors – individuals and organizations — for mutual support. Their groundbreaking research has raised the nation's awareness of the unique challenges of military family life. With the help of neighbors across the country, Blue Star Families is overcoming the isolation and alienation of frequent moves, deployments, and more through a variety of innovative programs. With more than 150,000 members in the Blue Star Families network, including in chapters and communities all over the world, their efforts touch more than 1.5 million military family members every year.

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.