the unique challenges that come with military service. They proudly serve active, retired and former military personnel, their families, and civilian Department of Defense employees. AFI is a "reciprocal exchange", a type of cooperative insurer in which the policyholders bear a relationship to each other. In effect, AFI is owned by the policyholders They serve. Their Subscribers' Advisory Committee (SAC), composed of active duty, reserve and retired military members, represents the insurance needs of members. The members of the SAC are also members of the Board of Directors, which oversees AFI business operations.