Last Updated: 04/18/2025
SuperMoney User Recommendation Score +22
Mostly recommended18 total votes
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Highlights
Community Rating
Mostly recommended
Term Life Death Benefit Range
N/A
Term Options
Term Life
Financial Strength Rating
A+(Verified 04/18/2025)
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Number of Reviews
Aflac Life Insurance Review
Aflac life insurance Pros & Cons
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Aflac 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 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 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 They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.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.
What is SuperMoney's financial rating of Aflac?
The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Aflac 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.
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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.