Armed Forces Mutual Reviews 

1,738
TrustScore 4.5 out of 5

4.7

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 145 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, helpfulness, and extensive knowledge, making interactions pleasant and productive. The customer service is frequently highlighted as exceptional, with many appreciating the personalized and understanding approach, often going above and beyond expectations. People are particularly impressed with the quick and thorough response times, along with the fair pricing for products and services. However, some people mentioned issues with slow response times to emails and online inquiries, noting that replies were sometimes generic and not personalized. A few other people also raised concerns regarding the company's policies on providing life insurance to individuals with certain health conditions.

What people talk about most

Staff

Customers consistently note positive experiences with staff, highlighting their helpfulness, professionalism,... See more

Customer service

Consumers find customer service to be positive, with many reviewers highlighting the friendly, knowledgeable,... See more

Service

Clients share positive opinions on service, with many reviewers consistently praising the efficiency,... See more

Response time

Reviewers highlight positive aspects of response time, with many praising the quick and efficient service... See more

Price

People report positive experiences with pricing, often highlighting that the services are the fastest,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

The speed of response is Amazing!. Email responses I received from Megan Penry were timely and comprehensive in resolving my issues. She promptly got my sons Birth Certificate sent FEDEX and resp... See more

Rated 5 out of 5 stars

AAFMAA has always been my go-to site for accuracy and up-to-date information. I've been a member since 1966, and have seen the company change and grow, but one thing has remained consistent: THE STAF... See more

Rated 5 out of 5 stars

I asked for a copy of my spouse's birth certificate which I had put in the AAFMAA vault 50 years ago. Megan had it sent to my wife within 2 hours of opening Monday morning. Much quicker than my St... See more

Rated 5 out of 5 stars

AFM is a great organization with a deeply meetingful mission. Amy Marotto was most helpful in updating the information I've kept on file as well as crafting a way ahead to prepare our affairs and ens... See more


Company details

  1. Non-Bank Financial Service
  2. Armed Forces Association
  3. Financial Planner
  4. Life Insurance Agency
  5. Mortgage Lender
  6. Term Life Insurance Provider Company

Written by the company

Established in 1879 by an Act of U.S. Congress following the Battle of the Little Bighorn, Armed Forces Mutual is the longest-standing, non-profit financial solutions provider supporting military families and Veterans. We deliver a full range of financial solutions and exclusive benefits to our Members, including our hallmark Survivor Assistance Services, which are included with every policy.

Military Trusted for 145 Years.

Written by the company

Established in 1879, the American Armed Forces Mutual Aid Association (AAFMAA) is the longest-standing, non-profit financial solutions provider supporting military families and veterans with advice, information, insurance, financial planning, investments, mortgages, survivor assistance and other benefits.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 85% of negative reviews

Typically replies within 1 month

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.7

All reviews

(1,738)

138 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Outstanding Service…

Paula was very profressional and patient with me. She is very knowledgeable and she showed concern. She went above and beyond to make sure I UNDERSTOOD EVERYTHING. Thank you AAFMAA!!!!

11 February 2025
Unprompted review
Rated 5 out of 5 stars

Timely and Complete Response

Amy Marotto provided me with a prompt and complete response to all my questions. Further, she furnished me with all the documents that I needed. Thank you very much for the highly professional assistance!

10 February 2025
Unprompted review
Rated 5 out of 5 stars

AAFMAA has been a trusted company over…

AAFMAA has been a trusted company over the decades for me and my family! They always come through with flying colors and the experience today with Megan Penry is no exception. Timely, on target and well appreciated..........HOOAH!

6 February 2025
Unprompted review
Rated 1 out of 5 stars

Absolutely horrible service

Absolutely horrible service, my husband recently passed and I have sent in information. I have not received a status or a phone call and it’s been almost 2 months since he has passed. They received the certificate but I still see they are charging my husbands account for monthly payments. Wouldn’t recommend.

5 February 2025
Unprompted review
Armed Forces Mutual logo

Reply from Armed Forces Mutual

Thank you for sharing your feedback, and we are so sorry for your loss. We understand how difficult this time must be, and we sincerely apologize for any frustration you’ve experienced.

Rated 5 out of 5 stars

Great Customer Service

I sent an email saying I needed my documents in the digital vault update/removed and in less than two hours the action was completed. Once again great customer service!

31 January 2025
Unprompted review
Rated 5 out of 5 stars

Recognition for superior service.

Just wanted to recognize the superb service and assistance provided by your VA Claims advisor, Veronika Petrova. She has been so helpful to me as I attempt to run the gauntlet of VA hurdles and hoops. In every instance Veronika went the extra mile to explain the process, finish the paperwork, and complete the follow-up actions. It is no surprise that I see previous accolades for Veronica on these pages. She is a wonderful ambassador for AAFMAA.

30 January 2025
Unprompted review
Rated 5 out of 5 stars

I wholeheartedly recommend Sandra M

I wholeheartedly recommend Sandra M. Bonina! From the moment we began the process of signing up for life insurance with AAFMAA, Sandra was truly outstanding. She assisted us through each step with professionalism, clarity, and a sincere concern for our needs.

Sandra made exceptional efforts to ensure we comprehended all the options available and dedicated herself to assisting us in selecting the plan that suited our family best. Her knowledge of AAFMAA's policies and her ability to explain the details in an easily understandable manner contributed to a seamless and stress-free process.

Sandra's patience and her readiness to address each of our numerous questions truly stood out, as she never made us feel rushed at any point. Her commitment to delivering excellent service and making sure we felt comfortable and assured in our choices was genuinely remarkable.

If you are contemplating life insurance with AAFMAA, I kindly suggest that you contact Sandra. She is a dedicated professional who sincerely cares about her clients. I truly appreciate your efforts, Sandra, in making this experience so enjoyable!

23 January 2025
Unprompted review
Rated 5 out of 5 stars

Assistance with Benefits claim

After my father passed I located several vital physical documents he had left in a filing cabinet with very little context. As the "Successor Trustee" for my dad's TRUST I contacted AAFMA to determine next steps on a very old insurance statement I had located. After corresponding with Megan and Jennifer I was given very clear direction and my claims were filed quickly and successfully, which is contrary to other experiences I have recently had with financial institutions and other insurance policies my dad had initiated prior to his passing. Megan and Jennifer were outstanding with their professionalism, compassion and expediency during this tough time for me, thank you, thank you, thank you!

21 January 2025
Unprompted review
Rated 5 out of 5 stars

Megan Perry provided exceptional assistance

Megan Perry provided exceptional help to me in updating my online records. She also asked if other types of situations might apply, and please upload that documentation. Phenomenal in this age of no personal intervention for customers, AAFMAA still has personal service just as they did when I joined 46 1/2 years ago!

14 January 2025
Unprompted review
Rated 5 out of 5 stars

Megan Penry provided outstanding…

Megan Penry provided outstanding service. After reviewing my file, she identified other documents I needed to upload and then helped me do so. This is way above and beyond normal duty, in my opinion!

13 January 2025
Unprompted review
Rated 2 out of 5 stars

Be cautious and do your homework first

Really need to be more upfront on process, explain the various documents being signed. THey need to actually know the docs being presented, and the underwriters need to 100% be flexible. It's always easy to say no when you have no real skin in the game besides a paycheck

23 October 2024
Armed Forces Mutual logo

Reply from Armed Forces Mutual

Good afternoon Brandon,

Thank you for your feedback. We apologize if the process wasn't clear and appreciate your concerns.

We’re continuously working to improve communications and transparency, especially regarding application documents. We encourage all of our life insurance applicants to be fully candid during the application process. That allows us to connect you with the best possible coverage for you. Over our 146 years of serving the military community, we have developed our policies to be flexible enough to serve Members at any age and in nearly every situation. If we understand where you are, we can meet you there with a policy that will fit.

Your input is invaluable, and we’ll use it to enhance our service moving forward. Thank you again for sharing your experience.

Rated 5 out of 5 stars

Highly recommend

Their policies give me peace of mind for after I’m done with active duty. Their CAP loan program is super helpful what you need a bit extra to get you through unexpected expenses.

23 October 2024
Rated 2 out of 5 stars

Everything is fine and dandy.

Everything is fine and dandy, with AAFMA, as long as you stay well but no matter how active and alert you are, if you have term life over 70 years of age, have had the service for over 5 years, and happens to get an illness they will drop you like a hot potato, or raise it so high you can't afford to keep it. That's how they did my retired military Vet husband and, and I'm sure they would do me the same.

31 December 2023
Unprompted review
Armed Forces Mutual logo

Reply from Armed Forces Mutual

Good afternoon,

Thank you for providing your feedback and for being an AAFMAA Member for the last 10 years. Once you become an AAFMAA Member, you are a Member for life. We have developed policies with the flexibility to ensure we can cover Members at any age and in nearly every situation.

In your case, it sounds like we could have done a better job communicating and advising you through your last policy renewal. For that we apologize and hope that you will consider reaching back out to us to discuss the options available to you. We offer several policies that do not require any medical underwriting and we would be happy to explore how those might fit your needs.

We encourage you to contact us at 800-336-4538 M-F 8:30-5:30 ET and ask a representative to connect you with our management team.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look