[ About Us ]

AFR Life is a subsidiary of AFR Insurance and its roots date back to the 1950's with the Farmers & Ranchers Life Insurance Company. Between 1988 and 2000, the company was sold but was reacquired and continues in operation today.

We have worked hard to hold true to our traditions and history while also paving the way into the future. We strive every day to provide the best-in-class insurance products and services to our policyholders. AFR is recognized as a leading domestic insurance carrier in Oklahoma and specializes in Home, Auto, Farm & Ranch, and Life insurance with a variety of coverages to cover you and whatever life throws at you.  We are excited to offer products that we believe will help to insure your family's future.

When you write your business with AFR Life, we understand it isn't just a piece of paper. We pride ourselves on being where the customers are and we will continue to do so for generations to come. It's our promise to you to be there when life turns upside down. We insure you so you can focus on what matters. 

Our agents and employees are the heart of our company and you can have peace of mind knowing  that knowledgeable, successful and determined employees work hard for you, our policyholders.

We have experienced many changes and growth throughout the history of our company but our dedication to you remains grounded in our roots. We will continue to look towards the future and grow to best fulfill your needs. 

After all,  It's not if you need life insurance...it's when.

Mission Statement


To provide the best-in-class insurance products and services to policyholders using leading-edge technology, trained, motivated, service-oriented employees, and community-minded agents.



To earn the position of largest and most respected rural insurance provider in the state of Oklahoma





  • Integrity
  • Boldness
  • Teamwork
  • Loyalty
  • Accountability
  • Customer Centricity
  • Continuous Learning
  • Local Community Mindedness

Get In Touch

Mailing Address

PO Box 25968
Oklahoma City, OK 73125


Local: 405-218-5796
Toll Free: 800-425-9303

Office Hours

8:00 AM - 4:45 PM

Executive Leadership

Jon Srna (2)

Jon Srna
President & CEO

I began my insurance industry career more than 30 years ago with Farm Bureau Financial Services as a customer service supervisor. My career encompasses tenures as business unit vice president at Farm Bureau Financial Services; executive vice president and COO at ACCC Insurance; and, most recently, senior vice president of operations and COO at Madison Mutual Insurance Company. My well-rounded industry knowledge spans claims, underwriting, sales, marketing, operations, and finance as well as a successful track record of continuous improvement initiatives and P&L leadership. I started my role as President and CEO of AFR Insurance in 2020. Outside of AFR work, I value quality time with my wife Cyla, our family, friends, and critters, as well as, time together at the gym.

Bernadette Autrey (2)

Bernadette Autrey

Before being named Chief Financial Officer in December of 2019, I was a member of the AFR Accounting Department where I served as a Senior Accountant since 2014.  Prior to joining the AFR family in 2013 where I started as a Treasury Accountant, I was an Insurance Defense Auditor for seven years with Farmers Insurance Group in Oklahoma City. All together, I have over 27 years of experience in Insurance Defense and the Accounting Industries. If I am not working, you can usually find me at a hockey rink or a dance competition watching and cheering on my grandkids.

Robson Cardoso

Robson Cardoso
VP of Information Technology 

As the VP of Information Technology, I have overseen the AFRMIC Information Technology department since August 2020 adding over three decades of IT experience in financial and manufacturing business, including 15 years in insurance companies like Kentucky Farm Bureau and Aflac. I earned an MBA from the University of Louisville and a Bachelor of Management Information Systems degree from FASP (Faculdades Associadas de Sao Paulo), Brazil. In my spare time I enjoy spending time with my family and my dog, traveling around the world, and exploring new places to eat!

Brandice Rhoades

Brandice Rhoades
Vice president of AFR Life

I have been working in the Life Insurance industry for over twenty years with a focus on leadership and providing an excellent customer experience.  As both a leader at AFR Life and a customer, my mission is to provide excellent services and products to our customers and their loved ones. After running several insurance operations, I was thrilled to join the AFR team as the Assistant VP of AFR Life Insurance in February 2021. I spend most of my free time with my family at softball games and choir events, but on my down time I have a passion for reading and spend as much time consuming literature as possible.


Mark Hayhurst

Mark Hayhurst
Director of strategic Planning & operations

I joined as Director of Strategic Planning & Operations in October 2021.  I have over 25 years of experience as an executive manager in various industries. In the roles of Army Lieutenant Colonel, Senior Program Manager, Vice President of Operations & Chief of Staff, I’ve been part of high-performance organizations with multi-million-dollar annual revenues and considerable invested capital. I’ve been responsible for both strategic business planning and international operations with the Department of Defense and Fortune-ranked companies. Faith, family, and outdoor adventures are how I recharge.


Mandy Coulter

Mandy Coulter
Director of AFR Life

I joined as Director of Life Company in June 2022. I began my insurance career over 20 years ago. I am fortunate to have worked in a variety of roles including Customer Service Management, Operations Leadership, Process Improvement and Claims. This has developed an understanding of insurance from a multitude of perspectives. Outside of work, I enjoy hiking, reading and spending quality time with my family and friends.



AFR Insurance Board

Mutual group

Roger Edenborough

Roger Edenborough
Independent Director District 1

Roger L. Edenborough was born in Stillwater, Okla., while his father was attending graduate school at Oklahoma State University. He was raised in the Oklahoma Panhandle, specifically Goodwell, where he attended school and graduated from Goodwell High School. He then attended college at Goodwell at Oklahoma Panhandle State University. While attending college, Edenborough was active in the student senate and held academic honors at the time of graduation. Edenborough attained his CPA in 1992 and joined his father as a partner in the accounting firm, Edenborough and Edenborough, CPAs

Brett Morris

Independent Director District 2

Brett Morris and his family have been involved in farming and ranching in the Ninnekah community for almost 90 years.  A former dairyman, he and his dad currently run a diversified operation which includes 1,000 acres of alfalfa, wheat and grassland, 200 beef cow/calf pairs and 100 stocker calves, as well as the Washita Fertilizer Company. Morris joined AFR in the early 1990s and is currently serving as the AFR representative on the Oklahoma Beef Council and on the AFR Board of Directors.

Jim Shelton

Independent Director District 3

Jim Shelton and his wife, Sara, live near Vinita and are lifelong residents of Craig County. In 2010, Shelton retired from a 35-year banking career with Oklahoma State Bank of Vinita to expand the cattle operation. The Sheltons operate a 3,500-acre commercial cow/calf and stocker operation. He has served on the AFR Board of Directors several times. Shelton earned a bachelor’s in animal science from Oklahoma State University and is a graduate of the Southwestern Graduate School of Banking at Southern Methodist University.

Loyd Steward

Independent Director District 4

Loyd Steward values work ethic, which is the driving force of his life. He acquired this trait from his parents on the family farm near Dale, Okla. Steward was active in sports, 4-H and FFA and earned a B.S. in Agriculture at Oklahoma State University. Loyd and Becky have celebrated 47 years of marriage while residing in Bethel Acres. They raised two children, Jon and Jennifer, and now have five grandchildren. Steward operates a cow/calf operation.


Mason Mungle

Mason Mungle
Statewide Independent At-Large Director

Mason Mungle currently serves as the AFR Statewide Independent At-Large Director and the AFRMIC board chair on the Board of Directors. Mungle has been an AFR member and insured for more than 40 years. He worked for AFR in cooperative development and legislative affairs from 1997 to 2007. Mungle earned a bachelor’s and master’s degree in animal science from Oklahoma State University.


John Porter

John Porter
Agent Director District 1

John Porter is a third-generation full-time AFR agent; he owns Porters Insurance in Edmond. Porter attended Central State University in Edmond, where he specialized in business administration and was a member of the Oklahoma National Guard from 1965 to 1971. He was hired by Oklahoma Farmers Union as an adjuster in 1973. During a 37-plus-year career with the company, Porter worked directly with several of the company presidents in various capacities. He was elected in 2010 to the office of AFR Vice President and now serves on the AFR Board of Directors.

Dustin Tackett

Dustin Tackett
Agent Director District 2

Dustin Tackett, his wife, Julie, and their son Hudson live north of Fort Cobb on the farm Tackett’s grandfather bought in 1913. Tackett has been an AFR insurance agent since 2004 and has served in several capacities before sitting on the AFR Board of Directors. Tackett is a two-time Oklahoma State University graduate with a bachelor’s in agricultural economics and an MBA.



Will Lane

Agent Director District 3

William Lane grew up in Northeast Oklahoma at Jay, Okla. He attended school at Jay and graduated in 1992. From there, he attended NEO and was a member of the livestock judging team. After NEO, he attended Oklahoma State University and was on the livestock judging team there as well. He graduated with a Bachelor of Science in 1993. He was a member of Class 10 of the Oklahoma Ag Leadership Program. William is a third-generation AFR insurance agent. His grandfather Claud Cagle started in the insurance business in 1974 when he purchased an AFR agency. William owns an AFR insurance agency in Gentry, Ark., and helps his mother with her AFR agency, Cagle Insurance, in Langley, Okla.


Landon Jestis

Landon Jestis
Agent Director District 4

Landon Jestis is an AFR agent from Bokchito. He owns and operates Jestis Insurance Agency in Durant. He and his wife, Leandra, own 80 acres in Bokchito where they raise roping cattle and horses. He enjoys team roping and working on the ranch with his three children, Lainey, Luke and Lex. Jestis then attended Seminole State College and North Central Texas College and eventually graduated from East Central University in Ada. He accepted a position with AFR as a property claims adjuster and after four years had the opportunity to purchase his own AFR agency in September of 2015 and now serves as a director on the AFR Board.

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