Imagine your financial future and the life you hope to live. An annuity can help provide regular income and allow you to grow and provide for your loved ones. Invest in an annuity to financially secure your future. Annuities are a great avenue for retirement planning and longer term savings for college education.  We offer several payout options including lump sum, life expectancy, period certain, and set period. 


Tax Deferred Earnings Growth

Tax-Deferred Earnings Growth

Long-Term Savings

Long-Term Savings

Lifetime Payout Options

Lifetime Payout Options

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Ready to Invest for the Future?

Determining the right product and the amount of coverage may seem like a daunting task but with our experience, we'll help you find the right coverage.  AFR Life is prepared to help you protect what matters.

Contact us today and start exploring the plan option that best fits your needs! 


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Guide to Fixed Annuities

Our Flexible Premium Deferred Annuity plan offers strong growth potential through competitive interest rates.  It is designed to optimize the growth potential of your retirement savings while preserving capital - all without the risks associated with the investment markets.  It is an ideal savings vehicle for those individuals who want the ability to customize their retirement savings strategy.


This annuity can be used to fund tax-qualified plans such as IRAs and Roth IRAs. It can also be used as a non-qualified savings plan. Ten percent of your account value can be withdrawn each year without a surrender charge.

Who can benefit from annuities?

If you are wanting to guarantee income upon retirement that will last your entire life, an annuity is the perfect vehicle for a safe savings account. It can also be used for a college savings and as a retirement plan rollover. 
Who can benefit from annuities (1)

What's the impact of tax deferred interest in my account?

Annuity interest earnings grow tax deferred meaning no taxes are due until the interest is withdrawn, which can be many years later. This allows the interest to earn interest and compound over time. The longer the funds remain in the annuity, the greater the earnings will be.

With a deferred annuity, the interest earnings are taxable when withdrawn from the annuity but you control the timing of the withdrawal and continue to earn compound interest as long as you keep the interest in the annuity.



Annuities Frequently Asked Questions

Why Choose AFR Life?



AFR Insurance has been serving Oklahomans since 1905. For over 100 years, we have worked to provide the best in class products and service. We are equipped to handle whatever life throws at you.


24/7, Fast and Fair Claim Service. We are here to help, no matter when trouble strikes. We make it easy to file a claim and help your family adjust after a loss.

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With independent agents in every corner, no one knows life insurance like AFR. We are in your community and a part of your community. Your business stays local.

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determination. Such terms may vary and exclusions may apply. Other discounts may be available on an individual basis. All policies are different and your policy may not qualify for all discounts listed.


AFR Insurance is proud to have earned a Financial Stability Rating of A from Demotech, Inc. The Financial Stability Rating is an indicator of an insurance company's strength. An A rating means AFR has "Exceptional ability to maintain liquidity of invested assets, quality reinsurance, acceptable financial leverage and realistic pricing while simultaneously establishing loss and loss adjustment expense reserves at reasonable levels."

Demotech awards this rating after performing a thorough review of a company's financial statements. This rating is independent of the size of a company due to Demotech's belief that a small, well-run insurer may outperform a larger insurance company.