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finder.com's rating: 4 / 5
★★★★★
18 to 70
Issue Age
$50,000 to $500,000
Coverage
Yes
Medical Exam Required
Policies | Term, Whole, Juvenile |
---|---|
Coverage maximum | $500,000 |
Term lengths | 10, 20, 30 years |
Medical exam required | Yes |
Available states | All 50 states |
Issue age | Not listed |
Riders |
Accelerated death benefit rider Accidental death benefit rider Child rider Spouse rider Waiver-of-premium rider |
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Review by
Amy Stoltenberg writes about lifestyle and money for Finder, researching the best options for shopping, banking, insurance and authentic travel experiences. After studying writing and fashion at Savannah College of Art and Design, she worked as a technical designer before opting for a career with unlimited travel time. She lives in Los Angeles. When her laptop's closed, you can find her wandering the streets looking for hole-in-the-wall eateries and daydreaming about her next great adventure.
Backed by financial strength, Aflac is a solid choice for life insurance. You might even qualify for a guaranteed issue policy that allows you to skip the medical questionnaire, depending on where you live and how much coverage you choose.
However, the coverage is limited to $500,000 and you won’t be able to get a sample quote online. If you have complex life insurance needs, this may leave your family underinsured.
Types of life insurance you can typically choose from Aflac include:
Read our review on Aflac disability insurance
The types and features of policies vary widely by state, and unfortunately you’ll have to contact Aflac to get any info on which options you could qualify for. Aflac may offer these riders as optional add-ons for some policies:
Aflac’s life insurance cost depends on how much coverage you want to buy. The amount you need depends on several different factors, including:
Aflac as a company isn’t rated by the BBB or Trustpilot. Overall, its reputation with consumers appears to be positive, and it’s known for paying out customers quickly. While there are case-specific complaints regarding its health insurance coverage, it has a solid industry reputation when it comes to life insurance.
AM Best financial rating |
A+ |
BBB accredited | No |
BBB rating | A+ 1.11/5 out of 120 customer reviews |
Trustpilot score | 2.6/5 out of 7 customer reviews |
Customer reviews verified as of | 18 January 2021 |
If the company you work for offers Aflac coverage, you can add it through your workplace. But if you want to buy it independently — or you own a business and want to offer it to employees — you’ll need to start by requesting a quote:
Follow these steps to file your life insurance claim:
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.