AAFMAA (American Armed Forces Mutual Aid Association) is a not-for-profit, member-owned financial services association that provides life insurance, military benefits counseling, Survivor Assistance Services, residential mortgages, financial planning, investment management and trust services to the American Armed Forces Community. AAFMAA is a unique association formed in 1879 whose focus is solely on serving members of the American Armed Forces Community and their families. Life insurance benefits include policies with no war clause, no terrorist clauses, and no aviation clauses or exclusions. Survivor Assistance Services are included with all member life insurance policies and serve the survivors for their lifetime. Membership eligibility extends to all ranks of the United States Air Force, Army, Coast Guard, Marine Corps and Navy who are Active Duty (or within 240 day after separation from service), Retirees, National Guard, Reserves, US Air Force Academy, US Coast Guard Academy, US Military Academy, US Merchant Marine Academy and US Naval Academy cadets and midshipmen. Additionally, Reserve Officers’ Training Corps (ROTC) scholarship/contracts and veterans residing in Arizona, Connecticut, Florida, Hawaii, Maryland, North Carolina, Oklahoma, Rhode Island, South Carolina, Oregon and Virginia are eligible for membership.