Aflac Life Insurance
Aflac Life Insurance
in Life Insurance from Aflac

Aflac Life Insurance

in Life Insurance from Aflac
SuperMoney Net Recommendation Score +22  


This product is mostly recommended by SuperMoney users with a score of +22, equating to 3.4 on a 5 point rating scale.


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.

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Aflac Life Insurance Review

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

Aflac life insurance FAQ

What types of life insurance products does Aflac life insurance offer?

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

Here is a brief description of life insurance options Aflac life insurance offers.

  • Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are 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 policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
  • Universal Life Insurance - This type of universal life insurance 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 company also offers the following life insurance policies:

  • Group Life Insurance - Aflac life insurance offers some of its life insurance policies as a group benefit to employees who meet certain eligibility requirements, such as having worked for a month in the company. Typically, these term life insurance 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 whole life insurance policies offer a cash death benefit to the beneficiary. All coverage applications are approved regardless of health concerns. The catch is that these life insurance policies usually have lower death benefits and higher than normal premiums.

What is SuperMoney's financial rating of Aflac life insurance?

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

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

SuperMoney Disclosure: 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.


About Aflac Life Insurance


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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
  • Accelerated Death Benefit (Terminal Illnesses)
  • Child Term Rider
  • Guaranteed Insurability / Renewability
  • Accidental Death or Dismemberment / Double Indemnity
  • Spouse Insurance
  • Long-Term Care
  • Return of Premium
  • Disability Income
  • Term Conversion
  • Accelerated Death Benefit (Critical or Chronic Illnesses)
  • Automatic Premium Loan
  • Paid-Up Additions
  • Other Insured

Aflac Life Insurance Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +22, equating to 3.4 on a 5 point rating scale.


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.

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