American farmers and ranchers insurance phone number

Company Overview

Farmer and Ranchers Life Insurance Company was an Oklahoma-based company that was acquired by the Thunor Trust (the Trust also acquired Family Guaranty Life Insurance Company, First National Life Insurance Company of America, Franklin American Life Insurance Company, Franklin Protective Life Insurance Company, International Financial Services Life, and Old Southwest Life Insurance Company). In 1999, all the companies were placed in rehabilitation. Farmer and Ranchers Life was ordered liquidated in 2000, and the state life and health insurance guaranty associations helped arrange for its policies to be moved to Oklahoma Farmers Union Mutual Insurance Company (see below).

If you have any questions, please contact your state life and health insurance guaranty association.

Policy & Claims Administration

Policies of an insolvent company are often transferred to a financially sound insurance company. If policies are not transferred to another company, the policies are continued and claims administered by either the guaranty associations or a third-party administrator (TPA) working on behalf of the associations. Please contact the company/TPA listed below or the guaranty association in your state of residence for more information about your policy.

Contact Information

Guaranty association coverage is coordinated on a state-by-state basis, with coverage usually being provided by the association in your state of residence, regardless of where you purchased your policy. Policyholders should contact their state guaranty association with any questions they have about their policies. The drop-down menu below will take you to your state association's Web site, which provides answers to frequently asked questions and contact information.

The liquidator, by court order, becomes the sole owner of the company's assets and administers the estate of the company.

If you are unsure whom to contact with your questions, please e-mail us here, and we will forward your message to the appropriate party.

Company Details

NAIC Number: 63185

An NAIC number is a five-digit number assigned to every insurance company by the NAIC (National Association of Insurance Commissioners). Because each company has its own unique number, the NAIC number can be used to identify a particular company.

Domiciliary State: Oklahoma

The domiciliary state is the state in which an insurance company is incorporated or organized.

Rehabilitation Date: May 12, 1999

Liquidation Date: January 14, 2000

Frequently Asked Questions

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Also Known as:  AFR Insurance , americanfarmersandranchers.com, American Farmers & Ranchers Mutual Insurance Company

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Generally, an adjuster will contact you within one business day. Significant storm events could create delays.

Please contact the Claims Customer Service Department for further assistance at 405-218-5817 or email .

A deductible is the part of the covered loss that you owe. Typically, you pay your deductible along with the insurance proceeds directly to your contractor after the repairs are complete.

Yes, your policy requires that you protect any covered property from additional damage due to a covered loss. Please take photos to document the damage and save the receipt for reasonable emergency or temporary repair.

If your policy covers Additional Living Expense and your residence is uninhabitable due to a covered loss, we will reimburse you for reasonable increased costs needed to maintain your normal standard of living. This might include: hotel bills, meals if unable to prepare them in your home, etc. Please check your policy or consult with your agent for additional information if necessary.

Depending on the nature of your claim, it may be handled by phone or require physical inspection. If a physical inspection is required, your adjuster will contact you to discuss an appropriate time to conduct the inspection.

After inspection, the adjuster may be able to provide your estimate onsite. If not, you should expect to receive your estimate within 7-10 business days.

Depreciation is the lost value of an item or material to reflect its current age, wear, or market value.

If your policy has replacement cost coverage, you can make a claim to recover the depreciation within 180 days of the date of loss. To claim recoverable depreciation: submit itemized bills, invoices and/or receipts to your adjuster for completed repairs. Once reviewed, payment for eligible expenses will be released, not to exceed the actual cost to repair.

Please have your contractor discuss any differences with the adjuster.

Contact your adjuster as soon as possible so we can determine if the additional damage is covered and if an additional inspection is needed.

If your policy provides coverage for damaged personal property, you will need to make a list for your adjuster and keep the property for the adjuster to inspect. Include as much information as possible, including brand name, serial number, model number, purchase date/age, and original price paid. Also, indicate if the item can be repaired.

Please contact your mortgage company and let them know that you have a claim check that needs to be processed. The mortgage company will provide instructions on their endorsement process for insurance checks.

Please send the check back to us at PO Box 24000 Oklahoma City, OK 73124 with VOID written across the front with a note of the new mortgage company's name. If you have a document to show the change, please send a copy with the check. Also, let your agent know so they can update the policy.