Life Insurance, Serious Illness & Critical Illness Cover Tailored for Military Families
Protect what matters most with specially designed cover for you and your family. Whether you’re planning ahead or transitioning from service, AFFS offers expert help—fast, straightforward, and fee-free for HM Forces.
Life Cover Insurance
Provides a lump sum payment to your loved ones—helping with mortgage, bills, or securing children’s future. Choose from; decreasing term, level term, index-linked or whole of life policies. Cover includes protection against standard wartime risks.
Serious Illness Cover
If you’re diagnosed with a serious illness your cover pays out a lump sum. The pay out is tax-free and can cover your expenses while you take time to recover.
Get Expert Help With Your Life insurance
Fill in a life insurance fact find
Check out our critical illness FAQs.
Typically serious illness covers health conditions that cause discomfort and requires medical assistance but doesn’t necessarily put your life at immediate risk and often has a good prognosis for cure with timely treatment as well as life threatening conditions.
Should your condition get worse, or you suffer with another condition, you can claim again. You can keep doing this until you’ve used up your whole cover amount.
Critical Illness Cover
Critical illness cover will pay out if you are diagnosed with a life threatening conditions or injuries that are life-altering and may require extensive treatment or result in long-term disability
Why Military Clients Rely on AFFS
- Expert advisers with military background who understand deployment, MOD pay, and risk exposure
- Fast, clear support — especially when you’re posted or time-limited
- No advice fees for serving or retired Forces clients
- Whole-of-market access for protection and insurance products
How It Works
- Fill in a fact find — We need this info to understand your situation
- Market search – We match your needs to suitable policies across multiple insurers
- Application support – We explain your options and guide you through applying
- Leave it to us – We handle everything from provider liaison to policy setup
What our clients say
“This is the second time Dianne has helped us with our mortgage and life insurance, and once more she has made the entire process seamless.”
— Jennifer Swift (Trustpilot Review)
“Without the help of AFFS we would never have got the amazing deal on the mortgage or the superb cover for our life insurance. I would highly recommend their services.”
— K Davies
Common questions we get asked
Can I get life insurance or critical illness cover while serving?
Yes. Many providers offer cover to serving personnel, including those posted abroad. We work with insurers who understand military life and can offer appropriate protection—even if you’re deployed or working in higher-risk roles.
Will deployments or training affect my ability to get cover?
Not usually. Some insurers have experience underwriting military cases and won’t penalise you for training exercises or overseas postings. We help you find those providers and explain any limitations clearly upfront.
What’s the difference between life insurance and critical illness cover?
Life insurance pays out to your loved ones if you pass away during the policy term. Critical illness cover pays a lump sum to you if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. Many clients choose a combination of both for more complete protection.
Still got questions, send us a message
By completing this form you consent to AFFS holding and processing your details.
We will use your name, email address and number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy or info@affs.co.uk
Protecting the Armed Forces Community Since 2004
FCA Regulated | Whole-of-Market Advice | No Advice Fees for HM Forces
Learn more about our mortgages, remortgages or Help to Buy services or see our FAQs on Critical Illness Cover