Aflac is a top seller of insurance benefits at work, such as supplemental life insurance. The Fortune company also sells some of its products, including term and whole life insurance, to individuals. Aflac earned 3. The scoring formula takes into account complaint data from the National Association of Insurance Commissioners and financial strength ratings. Whether you buy Aflac life insurance privately or through the workplace, your options are generally similar, with the main difference being coverage limits.
Until age 65, you may be able to convert the policy to permanent life insurance. Available term lengths are:. Some Aflac policies also offer life insurance riders , which let you pay extra for certain features. Available riders include:. The Employer Health Benefits Survey. Top health industry issues of Accessed on Feb. Notifications from Aflac. Dismiss all notifications closes this dialog. That cash can then be spent however you see fit. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected.
Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions.
Benefits paid by Aflac if any will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details.
Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs.
You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits.
View Data Sources to see our underlying sources. Postal Service, August Notifications from Aflac. Dismiss all notifications closes this dialog. The website features a cost calculator designed to illustrate expenses you may face, even if you have health insurance, if you suffer certain medical conditions or injuries.
Keep in mind that you cannot buy insurance from Aflac that will cover expenses resulting from all illnesses or injuries. Just remember that it should be a very low priority. For example, critical illness insurance may cover only two or three specific illnesses. But what type of insurance company?
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