Whole life insurance helps you have peace of mind your entire life. This product protects you so you soak up each of life moments without worrying about tomorrow. Whole Life Insurance covers you while you're living and will help your family when you're gone. Don't spend your life worrying when you can spend it living with the ones you love. Have assurance that your family is protected and provided for no matter what tomorrow brings.


The Whole Life plan offers lifetime level insurance coverage up to 100.  The premiums can be level for life.  Accelerated paid-up options are available.  It builds a cash value and provides permanent coverage. When the policy is paid-up, no further premiums are due and your coverage lasts for life.


Builds A Cash Value

Builds a Cash Value

Benefits of a policy's cash value:

  • Guaranteed Growth with tax-deferred
  • The value will never decrease
  • Use it anytime for what you need
Accelerated Payment Plans

Accelerated Payment Plans

We offer plans that provide paid-up coverage for a lifetime benefit. Choose from Single Pay, 20-pay, pay to 65 or life pay.

Level Premiums

Level Premiums

Our policies offer premiums and protection that stay level for the life of the insured as long as premiums are paid.

Permanent Coverage

Permanent Coverage

Our polices give you permanent coverage with face amounts of $5,000-$250,000  for the insureds entire lifetime and offer a Child Benefit Rider for ages 0-18 with coverages available from $5,000-$25,000.

Policy Riders Available

Policy Riders Available

To accompany the Child Benefit Rider, we also offer an Accidental Death Benefit and a Disability Waiver Benefit.

Find An Agent

Ready to insure your biggest asset?

You insure your home and auto but the most important asset to insure is you and your ability to provide income for your family needs.

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

Find an AFR agent today and start exploring the coverage options that best fits your needs! 


Find An Agent

Life Insurance Calculator

Life Insurance Need Calculator
This calculator will help you to decide how much life insurance you need if your survivors invest the life insurance benefits they receive.

Funeral cost, estate taxes, etc. ($):
Amount needed to pay off non-mortgage debt ($):
Amount needed in emergency fund ($):
Amount needed in college fund ($):
Expected average annual living expenses ($):
Expected spouse's average annual income after taxes ($):
Annual Social Security Benefits ($):
Spouse's current age (#):
Value of current liquid assets ($ total of savings, investments, etc.):
Expected survivor's investment strategy:
Life insurance needs:
Get A Quote

Get a quote

We offer a variety of insurance protection at affordable rates. Join the many policyholders who have experienced outstanding service with our company. Your local agent will work with you to find a policy that fits your individual needs.


Get A Quote


Whole Life 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.

File A Claim 



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.

Connect with Us

Whether you are needing a quote, searching for more information, or checking out our blog and social media, we would love to connect with you! We pride ourselves in being accessible and meeting people where they are, no matter what your needs are! Fill out the form and a trusted customer service representative will be with you shortly. In the meantime, check out our social media and blog or contact your local agent for immediate assistance.

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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.