SuperMoney
  Aflac Life Insurance

Aflac Life Insurance

in Life Insurance from Aflac

Unaffiliated

Aflac Life Insurance

Unaffiliated

in Life Insurance from Aflac

SuperMoney Net Recommendation Score +10

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +10, equating to 3.2 on a 5 point rating scale.

+10

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

4 users recommend
3 users are unsure
3 users don't recommend
Cast your vote

Would you recommend Aflac Life Insurance to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Mostly recommended
Financial Strength Rating A+
Number of Reviews 10

Aflac Life Insurance Review

Aflac Life Insurance is an insurance carrier based in Columbus, GA. The company was founded in 1955 and offers life insurance in 50 states (and Washington, DC).

Aflac Life Insurance FAQ

What types of life insurance coverage does Aflac Life Insurance offer?

Insurance carries typically offer a wide variety of policies. One of the best ways to save money on life insurance is to avoid unnecessary coverage. Only purchase policies and riders you actually need.

Here is at brief description of the coverage Aflac Life Insurance offers.

  • Term Life Insurance - This is the simplest type of life insurance. It is payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Aflac Life Insurance offers term lengths ranging from 10 to 30 years.
  • Whole Life Insurance - Whole life insurance policies remain in force for the entire life of the policyholder provided premiums are paid.
  • Universal Life Insurance - This type of policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.

As well as the basic coverage types mentioned above, Aflac Life Insurance also offers the following policies:

  • Group Life Insurance - Aflac Life Insurance offers some of its policies as a group benefit to employees who meet certain eligibility requirements, such as having worked for a month in the company. Typically, these policies can only be adjusted or purchased after a qualifying life event, such as marriage or the birth of a child, or during an open enrollment period.
  • Guaranteed Issue Life Insurance - These policies offer a cash death benefit to the beneficiary. All coverage applications are approved regardless of health concerns. The catch is these policies usually have lower death benefits and higher than normal premiums.

What is the financial strength rating of Aflac Life Insurance?

The financial strength rating of a life insurance company scores its ability to pay contracts and policies. SuperMoney gives Aflac Life Insurance an A+, which is the highest available rating we give.

SuperMoney's financial strength rating is primarily based on the average score from insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Our Editor

What we love about Aflac Life Insurance

Aflac Life Insurance is one of the better-known insurance providers in the United States. It has a strong reputation for customer service and is financially stable, which is important for an insurance provider. The company aims to pay cash to its customers where other insurance, such as medical insurance, falls short, giving families the freedom to spend insurance benefits on the things they need.

Aflac offers a few different types of life insurance, including whole life and term life insurance. You can customize your policy to adjust the monthly bill to fit your budget and add additional features like long-term care coverage.

What could Aflac Life Insurance do better?

Aflac is one of the largest insurers in the United States for a reason. There isn’t much to complain about with the company.

One drawback is that it offers fewer coverages directly to consumers than it does through employers. If you’re looking to bundle a lot of different policies but don’t work for a company that’s partnered with Aflac, you might not have that option.

Another drawback is that it doesn’t have an online quote system or offer full policy details on its website, so you’ll need to start the application process to get full information about the policies you can get.

Aflac Life Insurance’s backstory

American Family Life Assurance Company (AFLAC), was founded in 1955. In the years since, Aflac has grown to be one of the United States’ largest insurance providers, offering coverage to more than fifty million people worldwide.

The Verdict

Aflac is one of the largest insurers in the United States for a reason. If you want life insurance, it’s one of the better choices out there, so you should certainly include it in your search when you shop around for a good deal.

Contact

  • Headquarters
  •   1932 Wynnton Road
    Columbus, GA 31999
  •   Visit Site

About Aflac Life Insurance

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Financial Strength Rating A+
Life Insurance Features
  • Online Quotes
  • No Medical Exam Policies
Term Length 10 - 30
Term Options Term Life
Whole / Permanent Life Options
  • Whole Life (Traditional)
  • Universal Life
Life Insurance Riders
  • Waiver of Premium Due to Illness / Disability
  • Automatic Premium Loan
  • Other Insured
  • Paid-Up Additions
  • Accelerated Death Benefit (Critical or Chronic Illnesses)
  • Accelerated Death Benefit (Terminal Illnesses)
  • Term Conversion
  • Disability Income
  • Return of Premium
  • Long-Term Care
  • Spouse Insurance
  • Accidental Death or Dismemberment / Double Indemnity
  • Guaranteed Insurability / Renewability
  • Child Term Rider

Aflac Life Insurance Community Reviews

 

Would you recommend Aflac Life Insurance to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +10, equating to 3.2 on a 5 point rating scale.

+10

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Life Insurance