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Aflac Life Insurance Review

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Founded in 1995, Aflac offers a range of insurance products that includes hospital, dental, life, short-term disability, vision, critical illness, and accident insurance. Their focus is on supplemental insurance policies. The company is headquartered in Columbus, Georgia.
 
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How Do We Rate Aflac?

Breakdown

Our Overall Rating: 0 / 5 (N/A)

Aflac offers term and whole life policies which afford you the opportunity to customize your coverage through a range of add-on riders. They do not offer quite as much flexibility as some other insurers. The maximum benefit paid by an Aflac life insurance policy is is lower than some insurers' but their lower premiums reflect those lower coverage limits. Aflac may be a good choice for people who are budget-minded but still want the peace of mind life insurance offers. Aflac life insurance may also a good choice for people who want to augment the life insurance benefits they receive from their employers or for people who are self-employed.

Financial Strength

Key Details

Marketshare
1.14%
Standard & Poor's Financial Rating
A-
Moody's Financial Rating
A3
AM Best Financial Rating
A+

Company Stability - 0 / 5

Founded in 1995, Aflac is a relative newcomer to an industry dominated by long-established companies. In just a few decades, however, they've become something of a household name themselves and, more importantly, earned strong ratings from S&P, AM Best, and other organizations that rate corporate financial stability.

Reputation & Customer Experience

National Association of Insurance Commissioners

NAIC Total Complaints 2017
114

Customer Ratings

Trust Pilot Rating
3.0 out of 5
BBB Rating
A+
Number of BBB Positive Reviews
1
Number of BBB Negative Reviews
104
Date Collected
2020-04-23

Reputation - 0 / 5

Aflac is generally considered a strong company by the organizations that measure financial stability. Their less-than-stellar ratings with organizations who rate companies based on consumer feedback should be seen in context. Insurance companies are regularly the focus on consumer ire. Consumers who rate Aflac on such sites as the BBB are a self-selecting group and their opinions are not necessarily representative of Aflac's entire customer base. Aflac insures more than 50 million people. The 100 or so people who penned poor reviews of Aflac on the BBB site represent just 0.00025% of Aflac's customers. The handful of complaints we found could actually be interpreted as a favorable reflection of Aflac customer satisfaction.

Aflac Policies

Aflac offers customers the following life insurance policies: Term, Whole Life.

Term Life Insurance

Maximum Age
70
Minimum Death Benefit
$20
Maximum Death Benefit
$250
Available Terms
10 year
20 year
30 year

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Renewability
  • Waiver of Premium
  • Accelerated Death Benefit

Key Whole Life Policy Features

  • Guaranteed Insurability
  • Guaranteed Level Premiums

Policies & Coverage - 0 / 5

Aflac is a slightly different animal than other insurers. They specialize in supplemental insurance, which means their policies are designed mainly for people who already have primary insurance but are looking to extend protection with a second policy. While the maximum benefits offered by Aflac policies may be lower than some other insurers' limits, their premium prices are correspondingly lower, too. Supplemental policies offer the benefit of portability—when they are purchased directly by a consumer, their benefits don't disappear when you change jobs. Many employers cover you at a level that's determined by your salary. Aflac allows you to purchase the amount of coverage you need (up to their policy limits) regardless of what you earn. Self-employed people who don't have the benefit of employer coverage might also find Aflac a good option for meeting their life insurance needs.

Flexibility and Available Riders

Available Term Life Riders

  • Child Protection Rider
  • Accidental Death Benefit Rider
  • Waiver of Premium Rider
  • Disability Income Rider
  • Guaranteed Insurability Rider
  • Term Conversion Rider
  • Terminal, Chronic, and Critical illness Accelerated Benefit Riders

Available Whole Life Riders

  • Waiver of Premium
  • Early Payment Benefit

Flexibility & Available Riders - 0 / 5

Aflac life insurance offers considerable flexibility, though not quite as many special riders as some insurers. This may be due to the fact that Aflac offers many different types of policies, including critical illness coverage which, for example, protects customers should they require long-term health care.

Additional Company Information

Homepage URL
https://aflac.com
Company Phone
(800) 992-3522
Headquarters Address
1932 Wynnton Road, Columbus, GA, 31999
Mailing Address
1932 Wynnton Road, Columbus, GA, 31999
Year Founded
1995

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Top Rated
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