Aflac Life Insurance Review – Know More

Introduction –

Aflac is an American life insurance company offering family life insurance. It is one of the largest supplemental life insurance providers in America. The company was founded in 1955 and ever since has been in light of success for providing a wide range of insurance policies and additional payroll deduction insurance coverage. This means that Aflac pays the policy-holder an insured amount after the accident or illness is covered. Through this policy of theirs, the policy-holders can recover the whole amount spent on the treatment. Let us know ‘Aflac Life Insurance Review’.

Aflac Life Insurance Review

AFLAC is an abbreviation for American Family Life Assurance Company. The company provides financial protection to a large number of people and it is for this reason that it holds a tremendously large number of customer bases across the US. Aflac provides insurance over almost every product like accident insurance, life insurance, cancer insurance, hospital insurance, vision insurance, critical illness insurance, short-term disability insurance, pet insurance, and dental insurance. With so many products and amazing customer dividend policy, they make their place unmatchable in the insurance market and are the most trusted insurance companies in the US. Let us read what review the customers have of Aflac Life insurance company. 

Aflac Supplemental Insurance – 

Supplemental insurance means getting additional insurance to save your additional expenses which are not usually covered under the normal medical and health insurance policies. These expenses can be very hard on your pocket and Aflac’s supplemental insurance can save you a handsome amount on these. One such example is Dental Insurance. This helps you when you have an unexpected dental problem and the treatment costs are too high. Normal medical insurance doesn’t cover dental expenses, but with Aflac’s supplemental dental insurance, you are covered completely. Some other expenses are – 

1. Vision insurance
2. Pet insurance
3. Short-term disability insurance, etc. 

Claiming an Insurance – 

One of the most relieving features of buying Aflac’s insurance is the easy claim return policy. The policy-holder can easily file for a claim by producing relevant pre-requisite documents. These claims can be made online also. Online claims have several benefits like:

1. Faster payments and direct deposits.
2. Complete information dissemination through their message service.
3. Tracking the status of your claim by using their tracking system online. 

You can also claim your insurance using their ‘SmartClaim’process and get your cash benefits faster. However, the normal claim processing time involves the documentation process and depends on how fast these processes can be completed. 

Aflac Insurance Customer Review –

Pros –

1. Convertible policies – Aflac life insurance policies are convertible. This means that before the end of one insurance term if you decide to renew it, you do not need to undergo a medical examination again. 
2. No medical exam – Some of the policies that are covered by Aflac do not even need an examination. Still, the coverage you can claim is up to $50,000 depending on the type of insurance enrolled and the illness registered. 
3. Child Insurance – For availing of a juvenile’s insurance, you do not need to cross the age bar of 21 or above. You can avail your child’s insurance also at Aflac.

Cons – 

1. Life insurance coverage is only applicable to people aged 70 and younger. This means that you can’t be older than 70 years to get life insurance. 
2. You cannot get an instant quotation for insurance. You have to fill up a request form online on their website to get a quote. 

Conclusion –

In a nutshell, it can be said that Aflac is a very reliable life insurance company and is running extremely successfully catering to a large audience. There can be a few cons but mostly, it is one of the best and offers great customer benefits to all its policy-holders. If you want complete family life insurance to be covered, then Aflac is undoubtedly your best choice. 

Frequently Asked Questions – 

1. What are the different riders that come along with Aflac’s life insurance policies?

Riders are additional befits or add-ons to your insurance giving you more coverage and higher benefits. Various riders at Aflac are –

1. Child term
2. Premium waiver
3. Accidental death
4. Terminal illness
5. Spouse rider.

2. How to contact Aflac customer service?

Aflac’s toll-free customer service number is (800) 992-3522. They are also available through online chat on weekdays (8 AM-8 PM). You can also fill out a form online on their website and raise a query. 

3. Does Aflac Insurance cover prescribed medicine expenses?

There is no limitation on how you want to spend the money you got with your insurance claim. However, there is no separate provision for the expense covering medical prescriptions, but you can use your claim money on these medicines. 

4. Is the premium waiver rider eligible for all policy-holders?

The waiver of premium rider on Aflac’s life insurance policy is applicable only to customers aged between 18-59 years as per the company policy. Let us know ‘AFLAC is an abbreviation for American Family Life Assurance Company’.