We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Aflac life insurance review 2019

Last updated:  

One of the largest employer-offered insurance companies in the industry.

Get a quote if…
  • Your workplace offers it and you want to beef up your coverage with supplemental insurance.
  • You want to buy juvenile coverage.
Choose a different provider if…
  • You want more than $500,000 in coverage.
  • You’re self-employed.

18 to 70

Issue Age

$50,000 to $500,000

Coverage Amount


Free QuotePhone
Insurance ProductsTerm, Whole, Universal, Juvenile
Issue Age18 to 70
Coverage Amount$50,000 to $500,000
Term Lengths10, 20, 30 years
Ways To File A ClaimOnline, Phone.
Ratings, Accreditation and MembershipsAM Best: A+, Fitch: AA-, Moody's: Aa3, S&P: A+
Policy Riders OfferedYes.

What type of life insurance does Aflac offer?

Types of life insurance you can purchase from Aflac include:

  • Term
    The policy is set in place for a specific amount of time and premiums tend to be cheaper.
  • Whole
    Lasts for the rest of your life and rates are locked in.
  • Universal
    Lasts until you die, but has the flexibility to change premiums and benefit amounts along the way. Rates can be unpredictable.
  • Juvenile
    Guarantees your child’s insurability as an adult, regardless of future medical circumstances. Can be purchased as term or whole.

What riders can I add to my life insurance policy?

A rider is a provision that you can add to a policy that adds an extra benefit, though usually circumstantial. Keep in mind that they can increase your premium as well. Aflac offers the following riders as optional add-ons:

  • Accidental-death benefit. Additional money that’s paid if the policyowner dies from something accidental, such as a car crash.
  • Waiver of premium benefit. Waives the entire premium amount if the policyholder is totally disabled due to an injury or disease for four consecutive months and throughout the duration of the disability. It also waives benefits due to loss of sight or limbs.
  • Accelerated benefit. If the policyholder is diagnosed with a terminal illness, this benefit pays a lump sum early, equaling up to one-half of a whole life policy benefit.
  • Optional children’s term insurance. If an insured child dies before their 25th birthday, this rider benefit is paid out. This rider is meant to be added to juvenile insurance plans.

How much does Aflac cost?

Aflac’s life insurance cost depends on how much coverage you want to buy. The amount you need depends on several different factors, including:

  • Annual income
  • Age you want to retire
  • Debt
  • Amount you want to save for college funds
  • Investments
  • Retirement fund
  • Level of life insurance
  • Expected end-of-life costs

Request a quote to learn how much a policy would cost based on your particular situation.

Pros and cons of Aflac


  • Financially stable. Agencies like S&P and Fitch rate an insurer’s ability to meet its obligations to policyholders. They gave Aflac an A+ rating, signaling its ability to pay your benefit.
  • Fortune 500 company. It’s prosperous, with a reputation for strong market value.
  • Guaranteed issue option. In some states, and with some products, there’s the option to skip underwriting questions to get guaranteed-issue insurance.
  • Automatic payroll deduction. Your premiums will automatically be paid each month.


  • Only available through work. Aflac isn’t for the self-employed or people buying life insurance independently.
  • $500,000 benefit maximum. If you want or need more than that, you’ll need to find a different provider.
  • Limited policy flexibility. It may be more difficult to get a tailor-made plan since the policy goes through an employer.

Compare life insurance companies that offer individual policies

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
Compare quotes from 16 life insurance companies side by side.
18 - 64 years old
$100,000 to $3,000,000
All 50 states
Customized term life insurance policies up to $3 million, no medical exam required.
18 - 75 years old
$100,000 to $10,000,000
Get a term life insurance quote from this A+ rated company, founded in 1875.
20 to 60 years old
$100,000 to $8,000,000
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
25 - 60 years old
$100,000 to $5,000,000
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
21 - 54 years old
$50,000 to $1,000,000
Not available in Alaska or New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
18 - 80 years old
$2,000 to $10,000,000
Depends on policy
20 - 80 years old
$25,000 to $10,000,000
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
20 - 85 years old
$100,000 to $1,000,000
Depends on policy
All 50 states
Get a term or whole life insurance quote from Fidelity Life - starting as low as $15/day.
25 - 83 years old
$25,000 to $1,000,000
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.

Compare up to 4 providers

Aflac reviews and complaints

Aflac 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.

How does Aflac protect my data?

Aflac keeps your information located on servers in the US and uses firewalls, data encryption and access controls for protection. You do give them access to personal information when you sign up, but they encode and protect their technology so only Aflac can read your data.

Aflac recommends only sharing personal information through your personal account using its safeguarded site.

How do I sign up?

To get a free quote, go to Aflac’s website and select Get a Quote. First, choose whether you’re an individual or a business owner. Then, fill out your contact information and indicate what time of day is best to call.

I’ve signed up. What happens next?

After you submit your contact information, an Aflac agent will be in touch regarding next steps. For whole or term insurance, they’ll likely direct you to your employer to ask about what’s available. If you’re looking for juvenile insurance, an agent can walk you through your options.

More about Aflac

Aflac was founded in 1955 by three brothers in Columbus, Georgia. It’s probably best known for its supplemental health insurance, offering policies that people can pick and choose from to round out their regular coverage. It’s got almost universal brand recognition due to its famous duck mascot, and today is one of the largest providers of employer-offered supplemental insurance with more than 50 million policyholders.

Bottom line

Aflac is well known and generally trusted for its ability to pay out claims and provide quality service. But if your employer doesn’t offer it, or you’re looking for a more personalized experience, look around to find a better match.

Frequently asked questions


Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site