American Fidelity International

What American Fidelity International does

American Fidelity International Ltd. (AFIL) is a privately held life insurance carrier domiciled in Barbados with a parallel Bermuda corporate identity, operating within the international insurance market since 2004. The company is part of the American Fidelity family of companies and is affiliated with American Fidelity Assurance Company, a US-based insurance organization with over 62 years of industry presence that provides brand credibility and institutional backing.

The company's product portfolio consists of three core lines — Universal Life Insurance (a permanent policy combining death benefit with a cash value savings component and flexible premium scheduling), Term Life Insurance (pure protection for a defined period without cash value), and Critical Illness Insurance (lump-sum benefit upon diagnosis of covered conditions) — supplemented by an Indexed Universal Life variant where cash value performance is linked to a stock market index. Underwriting is quote-based, with pricing tailored to individual age, health, coverage amount, and policy type, and policies are billed on a monthly cadence.

Distribution is sales-led through a network of trained agents providing in-person consultation, supported by a secure online client portal for existing policyholders. The customer segment is horizontal, targeting individuals and families seeking financial protection for dependents, mortgage coverage, education funding, and business continuity. Marketing relies on a professional website and a LinkedIn corporate page; no management team, employee count trends, revenue figures, or funding history are publicly disclosed, indicating a deliberately low-profile operating posture.

Name

American Fidelity International

Legal name

American Fidelity International Ltd.

Website

https://afibl.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

American Fidelity International Ltd. (AFIL) is a privately held Barbadian life insurance carrier, affiliated with American Fidelity Assurance Company, that distributes Universal Life, Term Life, Critical Illness, and Indexed Universal Life policies to individuals and families in international and Caribbean markets through an agent-led model.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life Insurance Carriers (524113)

SIC

Life Insurance (6311)

akta.pro primary industry

Universal Life (UL) Insurance (FSAIABAB)

akta.pro secondary industry

International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ)

Keywords

• Life insurance
• Universal life insurance
• Term life insurance
• Critical illness insurance
• Indexed universal life

Headquarters

HQ city

Hamilton

HQ country

Bermuda

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Life Insurance Premiums: The company generates revenue through insurance premiums collected from policyholders. Premium payments can be adjusted in schedule and amount for universal life policies, providing flexibility while maintaining recurring revenue streams.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

American Fidelity International Ltd. (AFIL) sells life insurance products to international clients, offering Universal Life, Term Life, Critical Illness, and Indexed Universal Life insurance. Products are distributed through trained agents who provide personalized consultation, with existing policyholders accessing accounts via a secure online client portal.

Product overview

American Fidelity International offers a portfolio of life insurance products designed for international clients. The core product lineup consists of three main insurance types: Universal Life (a permanent life insurance combining protection and savings with flexible premium payments), Term Life (a more affordable pure protection product for a specific period without cash value accumulation), and Critical Illness (providing financial protection upon diagnosis of covered critical conditions). Additionally, Indexed Universal Life Insurance is offered as a variant of universal life where cash value performance is tied to stock market index performance. The company is part of the American Fidelity family of companies, backed by American Fidelity Assurance Company's over 62 years of experience in the insurance industry.

Differentiator

Problem solved

Functional benefit

Products and services

• Universal Life Insurance

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• American Fidelity Assurance CompanycoreOthersAmerican Fidelity International Ltd. is a member of the American Fidelity family of companies along with its affiliate American Fidelity Assurance Company, a leading organization in the insurance industry for over 62 years. This affiliate relationship provides institutional backing, brand credibility, and operational support.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• American Fidelity Assurance Company: The affiliated U.S. parent company that provides institutional backing, brand credibility, and 62+ years of industry experience. Directly comparable product mix (life, disability, supplemental) at much larger U.S. scale, making it the closest reference point for AFIL's strategy and operating model.
• Guardian Life Insurance Company of America: Large mutual insurer with a strong individual life insurance franchise including UL and Indexed UL, plus disability and wealth products. Comparable in product mix and emphasis on advice-led distribution, though operating at far greater U.S. scale.
• MassMutual: Mutual insurer with a deep permanent life insurance franchise (whole and universal life, including indexed). Comparable on UL and IUL product focus and on agent/advisor distribution, though at substantially larger U.S. scale.
• Lincoln Financial Group: Major provider of universal life, indexed universal life, term life, and linked-benefit products with strong advisor distribution. Highly comparable product-by-product, especially on Indexed UL where Lincoln is a market leader.
• Prudential Financial: Global life insurance and retirement leader offering term, universal, indexed universal, and critical illness-adjacent products. Comparable across the full product matrix AFIL offers, with significant international operations relevant to AFIL's cross-border ambitions.
• MetLife: Global life and health insurer with significant international operations across the Americas, including the Caribbean. Comparable on international life insurance distribution and group/individual product breadth, though at vastly greater scale.
• New York Life: Mutual insurer with a strong permanent and universal life franchise, especially in affluent and international segments through NYLife International. Comparable on UL/whole life product emphasis and advisor-led model serving cross-border clients.
• Transamerica: Major U.S. life insurer with universal life, indexed UL, term life, and supplemental health offerings distributed through advisors. Comparable across AFIL's full product line and on agent-led distribution model.

Direct peers

• Sagicor Life Insurance: Caribbean-domiciled life and health insurer offering individual life, critical illness, and group benefits across the Caribbean and Latin America. Most directly comparable to AFIL on geographic footprint, target market (Caribbean), and core product lineup.
• Pacific Life: Specialist in indexed universal life and other permanent life insurance products with strong advisor distribution. Directly comparable on the Indexed UL and UL core of AFIL's product set, with a similar focus on accumulation-oriented permanent life.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/american-fidelity-international-bermuda-ltd

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Fidelity International