AFRLife is a fully owned subsidiary of American Farmers & Ranchers Mutual Insurance Company (AFR Insurance).  We are proud to be an Oklahoma company with a long legacy of business and the ability to serve our communities.  We pride ourselves on being where the customers are and we will continue to do so for generations to come.  We are excited to offer products that we believe will help to insure your families future.  It's not if you need life insurance...it's when!  We look forward to serving you and your family today.


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Sherry Henricks - Underwriter
Crystal Springsteen-Stowell - Life Insurance Specialist
Paul Morgan

Managing Director

Paul joined American Farmers and Rancher’s Life as Managing Director in 2018 and oversees operations, sales support, compliance and marketing for the AFRLife Company.  Paul has a passion for this industry, brings a wealth of knowledge and provides an energy to provide the best products possible on a daily basis. 


Paul received a Bachelor of Science in Personal Financial Planning from Brigham Young University and was first licensed as a life insurance agent in 1979.  He has been involved in the financial services industry for 30 years and continues to play a vital role in the growth and development within the industry.  He has been an agent/producer, a financial planner, securities principal, and has held positions in senior and executive management throughout his career.