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Security report for afi.org

Armed Forces Insurance · Other · United States

Partial score · DNS & email only

57/100

0–100, higher is better. How it is calculated

Armed Forces Insurance (AFI) is a well-established insurance provider specializing in military-focused insurance products such as homeowner, renter, auto, business, flood, and motorcycle insurance. With a history dating back to 1887, AFI serves the military community with tailored insurance solutions and a strong commitment to protecting those who serve the nation. The website reflects a professional and consistent brand presence, offering clear navigation and comprehensive content relevant to its target audience. Technically, the site leverages modern web technologies including Sitecore CMS, Bootstrap 5, and various analytics and marketing tools, ensuring a responsive and engaging user experience. Security posture is strong with HTTPS enforcement, use of reCAPTCHA, and no visible vulnerabilities, although explicit security policies and incident response information are not published. Privacy compliance is addressed with clear privacy and cookie policies and consent mechanisms. Overall, AFI presents a trustworthy and credible online presence aligned with its business mission.

Scanned

NIS2 and GDPR posture

GDPR outside view
33/ 100 · High
Checks completed
6of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
0
Email security
75
DNS health
75
Network security
100
GDPR outside view
33
Average
57

Not counted

  • Security headers: did not complete in this scan.
  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

AFI occupies a niche market serving military personnel and their families with specialized insurance products. Its competitive advantage lies in its long-standing history, military focus, and personalized service model. The business model combines direct insurance offerings and partnerships with national carriers. Revenue streams likely include premiums from various insurance lines and ancillary services such as mobile app usage. The target customer segment is clearly defined as military members, veterans, and their families. The company maintains a robust partnership ecosystem including affiliated sites like AFIconnect for account management. Strategic observations indicate a mature digital presence with ongoing marketing and analytics investments, supporting growth and customer engagement.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS, integration of Google reCAPTCHA v3 to mitigate automated abuse, and use of security tokens and origin trials. Security headers are likely implemented though not explicitly visible in the HTML. No sensitive data exposure or vulnerable libraries were detected. However, the absence of a published security policy or incident response plan and lack of vulnerability disclosure mechanisms represent areas for improvement. The extensive use of third-party scripts necessitates regular security audits to mitigate supply chain risks. Overall, the site balances usability and security effectively but could enhance transparency and preparedness through published policies.

Recommendations

  1. Publish a dedicated security policy and incident response plan on the website to improve transparency and user trust.
  2. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  3. Enhance accessibility features to meet higher standards and improve usability for all users.
  4. Regularly audit and update third-party scripts and libraries to mitigate potential vulnerabilities.
  5. Explicitly configure and document Content Security Policy (CSP) headers to strengthen defense against cross-site scripting and related attacks.

Contact details published on the site

Addresses
Legal name
Armed Forces Insurance
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Armed Forces Insurance
Description
Armed Forces Insurance (AFI) provides military-focused insurance products including homeowner, renter, auto, business, flood, motorcycle, and more. Founded in 1887, AFI serves military members and their families with personalized insurance solutions.
Key services
Homeowner insurance, Renter insurance, Auto insurance, Business insurance, Flood insurance, Motorcycle insurance, Mobile app for account management
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, Bootstrap 5, Font Awesome, Google Tag Manager, Google Analytics, Hotjar, Facebook Pixel, StackAdapt, Sitecore CMS, Bodymovin/Lottie animations, PureCloud Webchat
Frameworks
Bootstrap 5, Sitecore
Platforms
Web, Mobile app (iOS and Android)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA v3
  • Secure cookies with samesite and secure flags (implied)
  • No exposed sensitive data in HTML
  • Use of security tokens and origin trials

Analytics and tracking

Services
Google Analytics, Hotjar, EmoryDay Analytics, StackAdapt, Facebook Pixel, Bing Ads
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
AdRoll, StackAdapt, Bing Ads
Tracking pixels
Facebook Pixel, Hotjar, Pingdom, EmoryDay Analytics
Marketing tools
Hotjar, StackAdapt
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges
  2. Strong focus on military insurance products and services
  3. Comprehensive navigation and content structure
  4. Multiple insurance product offerings clearly presented
  5. Use of modern web technologies and analytics tools
  6. Privacy and cookie policies are present with consent mechanisms
  7. Contact information is clearly provided including phone, email, and address
  8. No explicit security or incident response policies found
  9. No vulnerability disclosure or security.txt detected
  10. Mobile app presence enhances user engagement and service access
Technical notes

Notes

The website is built on a modern technology stack including Sitecore CMS, Bootstrap 5, and various JavaScript libraries such as jQuery and Bodymovin for animations. It integrates multiple analytics and marketing tools including Google Analytics, Hotjar, Facebook Pixel, and StackAdapt, indicating a mature digital marketing strategy. The site is mobile-optimized with responsive design and includes a mobile app for enhanced user engagement. Performance is moderate, with room for optimization especially given the number of third-party scripts. The technical infrastructure supports a professional and user-friendly experience but should maintain vigilance on script management and accessibility improvements.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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