Aflac

Aflac is different from health insurance; it's insurance for daily living.

Major medical pays for doctors and hospitals. Aflac is insurance for daily living. It pays cash benefits directly to you, unless otherwise assigned, to help with daily expenses when you're sick or hurt.

When you're sick or hurt, Aflac pays cash benefits that you direct to help you and your family with unexpected expenses. The benefits are predetermined and paid regardless of any other insurance you have.

Aflac has a range of products that fit most budgets. Aflac can provide you and your family with coverage and security to help maintain your everyday life in case of illness or injury. And, Aflac rates don't go up when you file a claim.

Filing a claim with Aflac is never a "wait and see". Claims are usually processed within 4 days. Our forms are also easy to complete. So while you're focusing on your health, Aflac focuses on getting you a check quickly.

For more information on Aflac's wide variety of products, please visit their website or contact us today to assist you.

Click here to visit Aflac's main site.

Accident Indemnity Advantage Plan 1

Accident Indemnity Advantage Plan 2

Accident Indemnity Advantage Essentials Plan

Accident Indemnity AdvantageSM

If you’ve ever been out of work because of an injury, you know there are two things that are increasingly hard to come by: Peace of mind and cash benefits. Our 24 hour accident insurance policies help provide both.

AFLAC's Cancer Products

Anyone can be diagnosed with Cancer. Despite the best efforts of doctors and researchers, cancer remains a concern for many individuals and families. People from all walks of life are at risk, regardless of age, gender, or ethnicity. In the United States, men have a slightly less than one-in-two risk of developing cancer during their lifetime; for women, the risk is a little more than one-in-three. Advances in pharmaceuticals, surgical procedures, and alternative treatments have improved the odds of cancer survival, and Americans diagnosed with cancer are living longer than ever. But with improved treatments and survival rates come increased costs.

Before purchasing cancer insurance, you should consider the following factors:

• The Insurance Carrier- There are many cancer insurance providers, so it’s important to consider the company standing behind the product. What do you know about the company offering the insurance? How long has it been in business? What about financial strength?
• The Policy’s Benefits, Limitations, and the Definition of Cancer-Make sure the policy you're considering covers the cost of treating recurrence or another form of cancer. And look for how the policy defines cancer. Most people are not familiar with the key benefits of a cancer policy or how plans are structured. Look for:
  • A benefit for the initial diagnosis of cancer
  • Strong benefits for radiation and chemotherapy
  • Generous hospitalization benefits
  • Comprehensive benefits for surgery
  • Benefits for transportation and lodging, in case travel is required
  • Rate Stability- Annual rate increases are often considered the norm, but it's possible to find a provider that doesn't regularly raise premiums. Ask you insurance representative whether the company you're considering has a history of rate stability.
• Claims-You’ll find out just how reliable your insurer is when you file a claim. Before purchasing a policy, research how quickly the insurer processes claims. Do the benefits require coordination with other coverage before payment is issued?
• Spouse and Dependents- Not all policies offer benefits or the same level of benefits to spouses and children. If you are the primary insured, make sure your policy offers your spouse and dependents coverage that is equal to yours.
• Early Detection and Cancer Prevention- Many of today’s tests and scans identify cancer at its earliest. Some cancer policies offer benefits when you take advantage of those tests, including annual mammogram or prostate screening tests.
• Control- Is the policy guaranteed renewable, or can your employer or insurance company terminate it at any time? Will your plan be canceled if your employer changes plans? Is the policy portable—can you take it with you if you leave your job?

Insurance companies’ underwriting questions vary, but one commonly asked question is, “How many years have you been cancer-free?” Some Underwriting Companies won’t cover you unless you’ve been cancer-free for at least ten years. Look for a company that is less strict in its underwriting requirements, and that will cover you if your cancer recurs.

Aflac Cancer Maximum Difference Plan

Aflac Cancer Maximum Difference-Essentials Plan

Aflac "Do I need a Cancer Policy" Information Brochure

*All AFLAC and cancer information provided on this page was furnished by our friends at AFLAC.