In 2019, I celebrated 35 years of working for the company that has been an integral part of my life. My grandfather, C.W. Cameron, and my father, C.B. Cameron, started American Fidelity Assurance Company nearly 60 years ago with the goal of helping their Customers through hard times.

While so many things have changed in the past six decades, our dedication to our Customers has remained steadfast even as we’ve grown to serve more than 1.5 million policyholders in 49 states. Through services provided by the Cameron family of companies, we also have Customers and business interests in 20 countries around the world. It is our goal to deliver superior value and market-leading convenience for evaluating, purchasing and utilizing all necessary services to help our Customers achieve their health and financial wellness goals. We must be doing something right! American Fidelity continues to grow and strengthen our reputation in the industry as well as in the communities in which we do business. We are recognized year after year for our sound business practices that benefit both our Customers and our Colleagues.

One of the insurance industry’s oldest and most-respected ratings agencies, A.M. Best, reaffirmed our A+ rating, which is a testament to our dedication to Customers. Fortune magazine recognized our commitment to Colleagues by including American Fidelity on its list of 100 Best Companies to Work For, an honor we’ve earned 14 times since 2004. In addition, we’ve been recognized in several other “best” lists compiled by the magazine and the Great Place to Work Institute. In 2019, we were honored to be among People magazine’s 50 Companies That Care, a testament to our dedication to both our Colleagues and our community.

That kind of recognition is due to the excellent team of Colleagues we have, and their singular aligned focus on providing a different opinion for our Customers. We have a unique advantage with our understanding of our Customers’ needs. While many providers offer general coverage, as a specialist, we offer a different perspective – a different opinion. We are proud to serve you, and look forward to the next six decades and beyond.

Our strategic focus on growing sales, managing expenses and the continued work on building American Fidelity’s brand was an emphasis in 2019. Our success in meeting our goals is a testament to the expertise and dedication of our leadership and Colleagues.

It is remarkable how much we have accomplished, not only in terms of our financial performance but in our ability to deliver on our promise to be a different opinion for our Customer. We believe in our products, services and the value proposition we provide to our niche markets.

Our sales growth was largely dependent on our ability to add new Customer groups to our portfolio combined with expanding our capabilities to serve the Customers who have been with us for years and in some cases, decades. It is through these relationships that we continue to learn what we will need to do in the future to serve for them for years to come.

Innovation is a core driver in our technology efforts. American Fidelity is experiencing large-scale systems transformation while at the same time transitioning to a culture that embraces robotic automation as a way to bring immediate efficiencies to our administration. These combined efforts support our ability to increase our speed to market with products and services aligned to our Customers' needs.

It is important to recognize not only our strengths but also our challenges and turn them into opportunities. We look to our Customers for their feedback, and are building out our net promoter score to benchmark our services and benefits specifically designed for our niche markets in accordance with our brand. We have aggressive aspirations to re-invent how we provide services. Some of these efforts include our ability to execute on our quick claim strategy where our insureds can receive payment for claims as quickly as possible, even as little as one day for annual wellness and physician expenses when enrolled in direct deposit.

As we prepare to celebrate 60 years since the founding of American Fidelity, we will keep a watchful eye on our long-term vision and our proven ability to use the collective efforts of our Colleagues to continue to make things as simple and hassle-free as possible for our Customers.

Who We Are

American Fidelity Educational Services (AFES) provides supplemental insurance and added value to our Customers by delivering employer and employee value-based services. We focus on taking work off our Customers’ plates and making their lives easier. AFES strives to be fair and transparent while following through on promises and welcoming feedback and opportunities to improve.

AFES Accomplishments 2019

• AFES continued predictable and consistent growth with record-breaking sales while focusing on customizing solutions to Customer needs with an emphasis on efficiency of each enrollment.
• We landed a new endorsement in the large-growth state of Pennsylvania.
• Through solid recruitment, strong Colleague development programs and close manager involvement, AFES enjoyed one of the lowest turnover rates in recent years, which in turn increased sales.

AFES Goals 2020

• AFES will continue to focus on the rollout of objectives and key results (OKRs) to ensure employer focus is the main objective.
• We will work toward a successful hands-free billing that will provide a tremendous time savings to Customers.
• The division will leverage additional resources by using artificial intelligence and various technologies to enhance our speed to value to the employer.

Who We Are

The Association and Worksite Division (AWD) strives to offer our Customers single-source, solution-based benefits while determining how to be profitable and in line with overall growth and expense strategies. The division provides services to enable employer groups to manage expenses in addition to supplemental benefits for employees. AWD remains focused on the needs of our Customers.

AWD Accomplishments 2019

• AWD finished 2019 strong with record-breaking sales and improved growth in markets.
• We established a stronger foundation emphasizing Customer value and focusing on making employers’ lives easier.
• AWD shifted our focus to larger groups and re-focused on our employer value proposition.

AWD Goals 2020

• AWD will continue to build a strong core foundation to establish consistency and a predictive future.
• The division will educate and implement Challenger training for our sales Colleagues with an emphasis on value to the employer to enhance their experience and make their lives easier.
• We will continue to focus on new account development and work toward establishing another record-breaking year using objectives and key results (OKRs) with quarterly accountability.

Who We are

Strategic Alliances’ primary solutions are medical stop loss and direct first dollar benefits. Employers and health plans use stop loss coverage as a risk management tool to mitigate catastrophic risk. Employers offer our direct benefits to employees as an affordable way to support their individual health insurance needs. We also maintain distribution and operating relationships with a variety of insurance marketing and administrative partners. After being in the Medicare Supplement insurance market for several years, we are exiting it in 2020.

Strategic Alliances Accomplishments 2019

Strategic Alliances Goals 2020