Welcome to Clement, Greg Agency, an agent for American Farmers & Ranchers Mutual Insurance Company (AFR). AFR offers a wide variety of insurance protection at affordable rates to match your lifestyle. Formerly known as Oklahoma Farmers Union, AFR is an Oklahoma based company that has been offering insurance since 1920. Our products include Automobile, Homeowners, Farm & Ranch, Dwelling, Life and more!. Automobile,Homeowners,Farm & Ranch,Dwelling,Life and more!