Aflac life insurance review 2024

Since 1955, Aflac has offered a number of supplemental insurance policies, including life insurance, short-term disability insurance, critical illness insurance, dental and vision coverage and many other products. Aflac may be known for the famous duck commercials, but Bankrate’s Aflac life insurance review reveals it also has a strong reputation for quick claim payout and offering numerous supplemental insurance policies. Aflac offers a unique blend of policies available through employers or policies that can be purchased directly for individual or family coverage.

To purchase Aflac life insurance, you will have to work through one of its independent agents since the life insurance quote process cannot be completed online. You may also find Aflac’s website resources limited since many details of the life insurance purchase process and policies are not included. However, Aflac’s mobile app may be able to help you with your policy management and your beneficiaries' claims filing process.

Aflac life insurance offers two types of life insurance policies: term and whole life. We break down Aflac’s life insurance options below:

• Term: Term life insurance is a policy that lasts for a specified period of time, or term. Aflac offers term life policies in 10-, 20- and 30-year terms. Aflac also offers group term life insurance policies purchased through your employer. These policies are considered portable, which means you can usually take them with you when you change jobs or retire. Young families or those who only need coverage for a short amount of time may find term life insurance an appealing option.
• Permanent: Unlike term life insurance, permanent insurance is designed to last for your entire life as long as the premiums are paid. Older adults may opt for permanent insurance over term, especially because term life insurance is generally not sold over a certain age.
• Whole: Aflac offers whole life insurance, which is the most basic kind of permanent life insurance coverage. Along with the death benefit, whole life policies also offer cash value, which you may be able to borrow against if needed. Final expense insurance, a type of whole life coverage, is also offered by Aflac. Aflac also has a juvenile whole life option, which could be a good idea to safeguard your child’s insurability. Buying Aflac’s juvenile coverage means that your child is guaranteed to have the option to keep their policy going, even if they develop serious health complications.
• Guaranteed: Aflac offers a guaranteed issue life insurance option for both term and whole life. Coverage ranges from $2,000 to $25,000, but there may be a waiting period after the policy is issued. This means that if the insured passes away during this period, there will be no death benefit paid to the beneficiaries.

Pros and cons of Aflac life insurance

Aflac offers a variety of term and permanent life insurance policies, but it's not the right company for everyone. Here are some key pros and cons of Aflac life insurance as identified by our insurance editorial team:

Before deciding if Aflac is right for you, you may want to compare it to some other top life insurers, such as the ones below:

Aflac vs. State Farm

State Farm won a Bankrate Award for Best Term Life Insurance in 2023 and 2024, so it might be a great option if you are looking for term coverage. The company earned top marks for customer service and has an easy-to-use mobile app. State Farm doesn’t sell as many supplemental products as Aflac, though, although it offers a few.

Learn more: State Farm Insurance review

Aflac vs. Guardian

Guardian has strong customer service and a network of over 3,000 financial representatives across the country. Guardian also offers an array of investment and other financial products along with its life insurance offerings. If you’re looking for cancer insurance, though, Aflac may be the better choice as Guardian doesn’t list this product as one of its offerings.

Learn more: Guardian life insurance review

Aflac vs. Mutual of Omaha

Mutual of Omaha may be of particular interest to those who want no-medical exam life insurance options and the ability to manage their life insurance policies online. The company also has strong third-party ratings for customer satisfaction and financial strength. They don’t have brick-and-mortar offices in all states, though, which might not appeal to those who want the option of in-person service.

Learn more: Mutual of Omaha life insurance review

Aflac might be a good company if you already have or need supplemental health insurance products along with your life insurance. The company also boasts an easy claims filing system and fast payouts. However, Aflac’s life insurance offerings may fall short when compared to its competitors, so you may want to shop around to make sure it’s the best company for you.

What are real-life customers saying about Aflac?

To provide more insight into the Aflac customer experience, we searched Reddit and Trustpilot for customer reviews on Aflac’s life insurance policies. While these were few and far between, there was some decent feedback surrounding Aflac’s other supplemental insurance products.

Customer experiences with Aflac vary widely. On Reddit, some users noted that while Aflac provides supplemental insurance that can be beneficial, many have found the claim process to be cumbersome and often frustrating. Trustpilot reviews echo these sentiments, with numerous complaints about claim denials, poor customer service and long processing times. Some customers reported having policies canceled without proper notification and difficulty reinstating them. However, a few positive reviews highlighted successful claim experiences, particularly when all necessary documentation was meticulously provided. Overall, while some customers find value in Aflac's supplemental policies, many express dissatisfaction with the company's customer service and claims handling.

Alfac company details

Here are a few ways you can get in contact with Aflac: 

• Customer service: 1-800-992-3522
• Group plan customer service: 1-800-433-3036
• New York service: 1-800-366-3436
• Live chat available on Aflac’s website
• Mailing address:
  Aflac
  Consumer Response and Resolution Department
  PO Box 5388
  Columbus, GA 31906-0388

State availability

Aflac policies are available nationwide, but policies may be underwritten by other companies depending on your state and policy type.

Aflac tools and benefits

In addition to term and permanent life insurance, Aflac’s main insurance products fall under the category of supplemental insurance. Aflac’s plans are intended to cover out-of-pocket expenses that may not be covered by medical insurance, such as copays and deductibles. Plans that Aflac offers include:

• Accident: Accident insurance is designed to help cover the costs of accidents that your primary health insurance excludes or denies.
• Critical illness: If you are diagnosed with a critical illness, this type of coverage could pay you a sum of money to help with expenses that health insurance won't cover.
• Hospital: A hospital insurance plan is a supplemental plan to help cover the costs of a hospital stay that your health insurance denies or excludes.
• Short-term disability: If you’re unable to work due to a short-term disability or injury, this policy could help replace the income you’d otherwise miss.
• Pet insurance: Aflac also offers pet insurance through Trupanion, which is like a health insurance plan for your animal.

Frequently asked questions about Aflac