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AFR Reward Program

In an effort to discourage such activities, the Company will pay up to $5,000 to the person who furnishes original information that leads to the arrest and felony conviction of a person or persons committing theft, arson or vandalism on the property of an American Farmers & Ranchers Mutual Insurance member policyholder.

This member benefit is only applicable to property covered by your AFR policy. Such payments shall be subject to the following conditions and limitations:


  • The provision of this program shall not apply unless the insured has an official Reward Sign (obtained thru American Farmers & Ranchers) posted in a conspicuous place on the premises involved.
  • Only one (1) reward shall be paid for each violation, regardless of the number of persons arrested and convicted; or if the same person is convicted of several violations only one (1) reward shall be paid.
  • Rewards will be reported to the IRS on Form 1099 - Misc.
  • All claims will be submitted to the AFR Claims Director.
  • To be eligible, the member, whose property is impacted, must be a member in good standing with dues and policy premiums paid current at the time the crime was committed.


  • No reward shall be payable to the American Farmers & Ranchers Mutual Insurance member policyholder impacted, or members of his or her immediate family or household, or any person(s) having an interest in the damaged or stolen property.
  • Payment will be up to $5,000 based on the value of the damages to the property impacted.
  • Should another reward sign of AFR or Oklahoma Farmers Union be posted on the members property with a value less than $5,000, the maximum reward amount will be the number indicated.
  • No reward shall be paid to any law enforcement officer or family member.
  • Reward shall only be paid after a final conviction, and all rights of appeal have been exhausted. In case of juveniles, who are allowed special treatment on first offenses, reward will be paid on a letter verifying guilt by the appropriate presiding judge.
  • If two or more persons file claim for the reward, the merits of the various claims shall be evaluated by American Farmers & Ranchers.
  • The reward shall be paid to the first person reporting the information leading to the arrest or conviction.
  • If a reward is given, then the policyholder with the reward sign will be requested to have their photo taken for publications and publicity purposes by American Farmers & Ranchers as a condition of the additional protections afforded through this posting.

This reward program is a cooperative effort of your local AFR insurance agent, county farm organization, the state farm organization and the American Farmers & Ranchers Mutual Insurance Company.

Reward signs are available through your local AFR insurance agent office.