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In The News

Running Together: Partners for the Military Community

2021-11-05

The battle buddy system teaches Soldiers how to work together as a team and how to look out for fellow Soldiers at all times — and that’s how we describe the partnership AAFMAA has built with Team Red, White & Blue (Team RWB).

Team RWB was founded with the mission to enrich the lives of Veterans’ physical and mental health. AAFMAA’s mission is to help ensure the financial security and independence of the members of the American Armed Forces community by providing insurance and other benefits that support their lives. Together, we are able to support the physical, mental, and financial health of our nation’s Veterans and their families.

But this partnership didn’t happen overnight. AAFMAA and Team RWB have been working together for years through sponsorships of the Army Ten-Miler in Washington, DC and the All American Marathon in Fort Bragg, NC.

Learn more about our individual histories and how our partnership formed:

"The partnership, and friendship, Mike and I have built over the last few years came together naturally because both of our organizations are passionate about enriching the lives of Veterans and those in the military," said AAFMAA President Mike Meese. "Just as Team RWB helps with physical fitness, AAFMAA helps with financial fitness, increasing our Members' financial independence and security.”

AAFMAA and Team RWB share a commitment to provide Veterans with the tools and support systems they need to take action to improve their overall health and lifestyle. Discover how you can benefit from our partnership, too. Join #EagleNation today by finding a chapter near you!


You never stop improving your personal and business financial wellness. Whether your goal is to build wealth, a comfortable retirement, college savings or protecting your legacy, the team at AWM&T can help you create a roadmap to success. Get started today with a free portfolio review consultation from a Relationship Manager dedicated to your best interests — always.

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.