Being a parent or grandparent is one of the most important jobs an individual can have. They nurture and protect their children to grow up as strong and self-sufficient adults.  Our popular Youth Life plan combines the very low cost of insurance of younger children with the accelerated payment plans of Single or 20-Pay to purchase coverage that is paid up for the child's entire life without additional ongoing premiums. A fully paid life policy will give your adult child a solid base of coverage for their financial plan without any cost to them. It may seem strange to think of buying life insurance on a child or grandchild but what other gift could you give that would last your child's entire life? A paid-up Youth Life plan is a smart idea when you consider the long term impact on your child.


Youth Life is a whole life product that is issued on children ages 0-18 and provides lifetime level coverage to age 100.  This product can be purchased by parents or grandparents and offers coverages from $5,00-$25,000. Our 20-pay plan is the most popular choice because after 20 years of premiums, the policy is paid up for the child's entire life. 


Accelerated Payment Plans

Accelerated Payment Plans

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

Low Premiums

Low Premiums

Life insurance premiums increase with age. The Single-Pay or 20-Pay option allows you to lock in lifetime paid-up coverage at childhood rates, which are the lowest possible cost. 

Payment Coverage

Permanent Coverage

Once the policy is fully paid up, our polices give you permanent coverage for the insureds entire lifetime and cannot be canceled even if your child develops health problems or has an accident making them insurable in the future.

Easy Application

Easy Application

We make it easy to purchase a life insurance plan for your child or grandchild with an easy application with only three medical questions and limited underwriting.

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
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! 


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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.


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Youth 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.

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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.