Aflac Logo
star star star star star_border
15 User Reviews

Originally called American Family Life Assurance Company of Columbus, Aflac was started by three brothers, Bill, Daniel, and John Amos, in 1955 in Columbus, Georgia.

The company is publicly traded, earning ~22.3 billion dollars in revenue in 2019. Offering multiple types of insurance — including accident insurance — Aflac is a major player in the market.

Top Ranked Companies

thumb_up

The Good

  • Wide Availability
  • Cash Payment
  • Lack of Medical Exam

Wide Availability 

Aflac’s accident insurance policies are available to individuals, not just through an employer. This widens access to supplemental insurance to many individuals who are self-employed or not able to be insured through work plans. MetLife has supplemental policies as well, but accident insurance is only available through an employer. Competitor Unum is also only available through employers.

Cash Payment

When a claim is filed and verified, the company pays individuals directly through a personal check or account direct deposit. There is no hassle as far as going through a middleman main insurance provider. Customers can choose personally how to use the claim money.  

Lack of Medical Exam

The company does not require a medical exam in order to apply for an accident protection policy. This shortens the process of onboarding, as well as reduces paperwork, time delay, and ease of getting started.

thumb_down

The Bad

  • Non-Transparent Pricing
  • Lengthy Claims Process
  • Sales Calls

Non-Transparent Pricing

Aflac does not have pricing and coverage listed on their website. Customers must fill out and submit information to request a quote. Competitor Unum also does not include pricing online either.

However, other companies provide more information up front and have automated sign up, so having to go through a sales agent is a bit of a deterrent. Buddy Insurance clearly lists pricing online — $50 per person or $128 per family per month — and makes that information about sign up a lot easier to find. 

Lengthy Claims Process

Many customers have complained about lack of communication from representatives, numerous requests for paperwork (sometimes duplicates of what was already sent), and Aflac avoiding paying out for claims. Payments also can take a long time to be received.

The number of complaints has increased significantly in the last two years or so, although a cause of this increase cannot specifically be determined.

Sales Calls

Customers have also complained about receiving calls from Aflac or affiliated partners wanting to upsell products, and that this happens frequently. This is par for the course for insurance brands, as the industry is highly competitive and rates change frequently.

gavel

The Bottom Line

Aflac is a known brand — there’s hardly a person online or who watches television, who isn’t familiar with the company.

Lesser known is that the company offers accident insurance — and that it is more widely accessible to customers independent of employment status.

Like any corporation, Aflac’s disadvantages come from bureaucratic hassles and red tape; however, its deep pockets make the company’s financial procedures a very attractive choice.

View Best Accident Insurance Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.0

star star star star star_border

15 Reviews

Review Breakdown

5 grade

67%

4 grade

0%

3 grade

13%

2 grade

0%

1 grade

20%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_border

Service

star star star star star_border

Trustworthiness

star star star star star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star_border star_border

Wendy W Collinsville, IL

Prices seem okay but when it comes to filing a claim they make it hard to do so. I was injured April 25, 21 and still haven't seen a penny. I keep sending in paperwork and signing consents and still they keep asking for more information. I'm also filling for short term disability for having surgery due to the accident and have been told it may not be classified as an injury and I may not get paid for it right away. If I had known it was going to be a fight to get paid I never would have purchased their insurance. Customer service is very sympathetic and understanding but can'r really help as "another department" that you can't speak to determines what is needed and if it meets the criteria of "an accident" or "illness" under their guidelines that are not identified in the policy paperwork they give you.

1 month ago

check_circle

Review Source

star star star star star

moose72 Muncy, PA

Great customer service and great service it is a must have to help cover the bumps in life when you need the money to pay bills and can not work

1 week ago

check_circle

Review Source

star star star star star

Ben Hayward, CA

I've had aflac for 25 years and the premium levels for everything they cover it's the best when it comes to claims fast response and never have let me down..

1 month ago

check_circle

Review Source

star star star star star

Marc Tucson, AZ

The customer service and response times are great. I have not had to use my Aflac insurance thankfully, but I love knowing I have them if I ever need them.

1 month ago

check_circle

Review Source

star star star star star

Tiffany I Gaithersburg, MD

Aflac is amazing at what they cover. My work offers Aflac and I elected for long term coverage. I haven’t needed to use it fortunately; however, a colleague had an accident, filed her claim, and was quickly paid

2 months ago

check_circle

Review Source

star star star star star

Phil Houston, TX

The service is perfect. They are dependable and fulfilled the contract fast. Nothing but good about this company and the service they offer

1 month ago

check_circle

Review Source

star star_border star_border star_border star_border

Debra Sims Chicago, IL

My husband had cancer and they paid for him just having cancer but they did not pay for his doctor visits that were cancer related we were very disappointed in them they are not very trustworthy only because they don't tell you things up front.

1 month ago

check_circle

Review Source

star star star star star

Igith88 Naples, FL

They were quick to respond and help me w a good rate. Friendly. And helpful. Every step of the way. I recommend them.

1 month ago

check_circle

Review Source

star star_border star_border star_border star_border

Toni Hudson Cantonment, FL

I had Aflac, paid hundreds of dollars for nothing. When I got hurt on the job. Aflac managed to not pay me for my ingery. They used loop holes or their own evaluation by looking at paperwork. Not a trust worthy insurance.

1 month ago

check_circle

Review Source

star star star star star

seanth57 Columbus, GA

The service is excellent. policies easy to understand, no hassles when a claim is filled.

1 month ago

check_circle

Review Source

star star star star star

Patriot Bren Houston, TX

Affordable prices for piece of mind in case of an accident or unexpected surgery!

1 month ago

check_circle

Review Source

star star star star star

SA Plano, TX

Excellent services offered to offset unexpected costs. Also good reimbursement for preventive care.

1 month ago

check_circle

Review Source

star star star star_border star_border

Don Dunagan Camillus, NY

It's not very easy to put in a claim. They paid quick, but I have struggled both times I submitted a claim. Not sure if I will keep it.

1 month ago

check_circle

Review Source

star star_border star_border star_border star_border

Judy St. Petersburg, FL

I tried and tried to purchase this coverage but they couldn't figure out how to cash my check so I couldn't purchase it! Lol

1 month ago

check_circle

Review Source

star star star star star

Lou G Venice, FL

Great customer service and next day payment really works

1 month ago

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information