Payer Overview

American Fin Security Life Ins Co is a specialized accident & health insurer operating across 19 states with a focused national presence. The company ranks as the #226 US A&H payer by premium and writes $27.4M in US premium, representing a 0.00% US market share; it serves an estimated 4.3K members nationally and does not operate through any affiliated subsidiaries.

The firm's footprint is concentrated across the Midwest, South, and parts of the West, and it does not hold a #1 position in any state. This concentrated, multi-state profile suggests targeted regional strategies rather than broad national scale, which affects how provider networks and reimbursement negotiations are prioritized across markets.

Premium by Scope

American Fin Security Life Ins Co's premium is exclusively concentrated in US states and DC, with $27.4M reported in that scope and no recorded premium in US territories or foreign jurisdictions. This indicates the payer's exposure is limited to the U.S. mainland markets covered in the dataset, so provider groups evaluating new contracts can focus negotiation and credentialing efforts on domestic state markets rather than international or territorial operations.

American Fin Security Life Ins Co's premium is concentrated in a subset of states with the largest premiums in Texas, Illinois, and Nebraska. The company reports $27.4M in total US premium across 19 states, and the estimated membership base of 4.3K members is skewed toward markets such as Texas (801 members) and Illinois (459 members). For national provider contracting, this concentration means negotiations will be most impactful if focused on high-premium states where the payer's enrollment and premium exposure are largest.

Geographic concentration in Southern and Midwestern states implies that regional provider networks and reimbursement strategies should be prioritized over a one-size-fits-all national approach. Systems with strong presence in Texas, Illinois, and Nebraska should consider tailored contracting and reimbursement terms to capture the majority of the payer's commercial premium exposure.

State-by-State Market Position

American Fin Security Life Ins Co shows its strongest premium presence in the South and Midwest, with particularly high premium written in Texas ($5.85M), Illinois ($3.18M), and Nebraska ($2.57M). The West and Mountain states have smaller premium footprints, and several states report negligible market share figures.

This distribution suggests multi-state provider groups should prioritize credentialing and contract negotiations in Texas, Illinois, and Nebraska to access the largest share of the payer's premium and members. Smaller state footprints still matter for local access but will have less leverage in statewide reimbursement discussions.

Nationally, the 6-18 age band (499) is the largest, followed by 35-44 (450), 55-64 (440), and 45-54 (435). The <6 (191) and >75 (183) bands are notably smaller, indicating a focus on school-age children and middle-aged adults. This suggests AMERICAN FIN SECURITY LIFE INS CO's membership is primarily composed of families and working-age individuals.

Some states, such as Nebraska and Illinois, show higher counts in the 6-18 and 35-44 bands, while states like New Mexico and Montana have very low member counts across all age bands. No state stands out as skewing significantly older or younger compared to the national profile, but the overall distribution is heavily concentrated in a few states, with most states showing a balanced age spread.

Estimated Members by State

The geographic distribution of estimated members for AMERICAN FIN SECURITY LIFE INS CO is highly concentrated. Illinois leads with 459 members, followed closely by Nebraska (454), Arizona (380), and Georgia (334). States such as North Carolina (296), Virginia (228), Mississippi (215), Oklahoma (210), and Kentucky (202) also have substantial member counts. In contrast, states like New Mexico (9) and Montana (14) have minimal representation, highlighting a significant disparity in state-level presence.

This concentration does not necessarily align with national market share rankings, as some high-population states have relatively low member counts. For providers, this means that AMERICAN FIN SECURITY LIFE INS CO's impact will be most pronounced in states with higher member concentrations, potentially affecting network negotiations and care delivery strategies in those regions. The uneven distribution suggests targeted market strategies or product offerings that resonate more in certain states than others.