Last Updated: 04/18/2025
SuperMoney User Recommendation Score +22
Mostly recommended18 total votes
Explore a similar product
Try this top product in Life Insurance
Everyday Life Insurance
Strongly recommended23 reviews
Community Recommended Products
View AllSponsored
Strongly recommended23 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Strongly recommended12 Reviews
Learn MoreCompare All Life Insurance
Filter & compare all your options in one place.
Highlights
Community Rating
Mostly recommended
Term Life Death Benefit Range
N/A
Term Options
Term Life
Financial Strength Rating
A+(Verified 04/18/2025)
Disclaimer popup with additional information
Number of Reviews
Aflac Life Insurance Review
Aflac life insurance Pros & Cons
| Pros | Cons |
|
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 They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.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.
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.
Other Services by Aflac
Community Recommended Products
View AllSponsored
Strongly recommended23 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Strongly recommended12 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +22, or 3.4 on a 5-point rating scale.
+22
-1000+100
No one recommends
Everyone recommends
Aflac Life Insurance Community Reviews
Would you recommend Aflac Life Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I personally have been lucky to not need to use life insurance on behalf of someone else, but I know people who have. Aflac is a great company that provides excellent life insurance options. It also acts as supplemental insurance even if you already purchased life insurance through your employer so that's a plus!
SS
Sophonie S.
Apr 22, 2022
May or may not recommend
I personally have been lucky to not need to use life insurance on behalf of someone else, but I know people who have. Aflac is a great company that provides excellent life insurance options. It also acts as supplemental insurance even if you already purchased life insurance through your employer so that's a plus!
Vanessa J.
Apr 12, 2022
May or may not recommend
I am familiar with Aflac and the services that they provide to people in need of various types of insurance. I would recommend Aflac to others because they seem to follow along with their promises to look out for their clients' best interest.
Yannick M.
Mar 9, 2022
May or may not recommend
The Aflac life insurance company provides both group and individual coverage up to $500,000. That really works for me.
PP
Presley P.
Mar 6, 2022
May or may not recommend
Lots of people feel ripped off, not having their needs met when services are needed.
DC
Daniel C.
Feb 17, 2022
May or may not recommend
My experience with Aflac has been good overall. they offer great payouts disability insurance, etc. I would feel good about going with them for life insurance.
Candice L.
Jan 10, 2022
May or may not recommend
I absolutely despise Aflac. I had life insurance and short term disability through them and paid them for over five years. I ended up needing to use their service that I had put a lot of money into and because I was ONE day short of their starting time, they didn't pay me anything. I would NEVER recommend Aflac unless you want to be ripped off in the end.
ES
Eric S.
Dec 16, 2021
May or may not recommend
IF you ever needed someone by your side with an accident. Then Aflac is the insurance company to pick. They will help you with medical and just everyday bills.
MW
Madison W.
Dec 2, 2020
May or may not recommend
My family has had Aflac for a couple years now and are pretty impressed. We have a decent amount of coverage and are rarely put out too much for copays. They have great customer service and are very transparent with their plans and what they are offering which is nice to have when it comes to insurance.
U
Anonymous
May 2, 2015
May or may not recommend
My wife and I just added a life insurance policy with Aflac to our insurance portfolio and I am glad we did. Now I can finally rest at night knowing that if anything ever happened, she would be ok.
U
Anonymous
Mar 12, 2015
May or may not recommend
So far, I've had only good experiences with Aflac. I have them for my life insurance, and they've been great. I haven't had any issues so far, where I'd have to use the actual insurance, but their customer service department is pretty good. I'm the kind of person that will ask a million questions, just to be comfortable with the policy I'm paying for. They've always been there to answer ...Show More
U
Anonymous
Mar 12, 2015
May or may not recommend
I've had multiple life insurance companies through multiple employers, but Aflac is the only one that I've really gotten attached to. Usually, when I accept a new position, I just take on whatever life insurance the company provides. But when I moved for a job opportunity to another company, I kept my Aflac. My new employer offered life insurance, but I didn't take it. I researched that company, and it ...Show More
U
Anonymous
Mar 12, 2015
May or may not recommend
Aflac is a great life insurance provider. I happen to have them directly through my job, and they have been great so far. My wife had a medical condition, and we expected to pay for it out of pocket. She suggested I check with Aflac to see if they would cover any of the costs, and they did. They were able to cover the majority of her doctor bills and ...Show More
Peter V.
Oct 22, 2014
May or may not recommend
Great product but I dont like the way the business is ran. Sales agents are only after their commission without keeping the best interest of their client in mind.
Jen L.
Jun 23, 2014
May or may not recommend
One of my past employers offered supplemental insurance through Aflac and I was skeptical at first and didn't think I would ever use it. I ended up signing up for their accident plan (mostly because I wanted the duck they gave you when you signed up for a policy and because the rates were so cheap), and ended up needing it just 2 weeks later. I was in an ...Show More
keywester 1.
Feb 25, 2014
May or may not recommend
I took retirement. When they converted my insurance to a cobra life policy they charged me $264 per month for coverage. I feel like I have been ripped--off and there is nothing I can do. Since I am retired no one wants to insure me. So much for Obamacare and all the federal regulations/state regulations that guarantee you insurance.
rcallender 0.
Feb 25, 2014
May or may not recommend
I had inserent through them, if i broke a bone they said they would pay me for being out of work and the doctor bills.I paid them for over 2 years until I got hurt and they paid me out 173.00 total. I cacel my police and will never use them again. I hope everyone reads this so they don't have the same thing happen to them.
Melanie C.
Oct 10, 2013
May or may not recommend
I obtained Aflac through a company that I used to work for. The great thing is, It has stayed with me at the same rate... which will never change!! When signing up, they were patient and answered all my questions and made sure that I understood everything. They were no pushy, even asking if I wanted to take a few days to think about it before signing. It was ...Show More
Showing 18 of 18 reviews
