Aflac Logo
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25 User Reviews
LAST UPDATED: October 4th, 2021

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.

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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.

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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.

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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

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Star Rating

3.7

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25 Reviews

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60%

4 grade

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3 grade

12%

2 grade

8%

1 grade

20%

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Tx Mike Columbus, TX

If you are the type of person that saves all your grocery store and gas receipts and keeps them in a file in chronological order that you review and tabulate on a weekly basis, then AFLAC just might be the insurance company for you. While they promise great things about how you can save all this money and make a small fortune getting paid to go to the doctor for a hangnail, the reality is that the claims process is tedious and very time consuming for little reward. Not to mention, the insurance itself is expensive for the payout you receive. There are no free lunches out there and if you think your going to get one with AFLAC it will be the most expensive PB&J you ever bought!

1 month ago

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Tina Brandon Norman Park, GA

AFLAC is a very good supplemental insurance to have and my premiums were very reasonable. The worst part was that I had the plan through my job and when I left my job, I lost the insurance.

2 weeks ago

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Tammie Newsome Milledgeville, GA

When a accident occurs and your unable to work you need a sting company behind you. I did not think I could afford extra insurance but the premiums are not bad at all. With all the types of policy everyone is covered for anything.

1 month ago

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K.M. P. Charlotte, NC

Absolutely love this company. They supplement our accident coverage through our auto insurance help out with appointments aftercare from an accident where the person didn't have insurance.

1 month ago

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R. M Reseda, CA

I had it a few years ago. It was a nightmare that I got rid of! They charged me and when I needed them, they refused to pay for my hospitalization. Then I stopped it the following year but they kept charging me! Until I complained them to the Department of Insurance. I will never recommend it to anyone

3 weeks ago

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Rom Mendawi Los Angeles, CA

I had it a few years ago. It was a nightmare that I got rid of! They charged me and when I needed them, they refused to pay for my hospitalization. Then I stopped it the following year but they kept charging me! Until I complained them to the Department of Insurance. I will never recommend it to anyone

3 weeks ago

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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.

4 months ago

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Gabby A Norristown, PA

I have several different supplemental plans with AFLAC. They are reasonable in price and it is so easy to deal with a claim.

2 months ago

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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..

3 months ago

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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

4 months ago

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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

2 months ago

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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.

4 months ago

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victor ridgeway Columbus, OH

Good alternative to help with extra hospital bills

4 weeks ago

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Chris Bright Tempe, AZ

I felt like they over charged and did not do a great job explaining the service. I cancelled because I felt like I was throwing my money away.

1 month ago

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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

4 months ago

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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.

4 months ago

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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.

4 months ago

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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.

4 months ago

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seanth57 Columbus, GA

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

4 months ago

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Patriot Bren Houston, TX

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

4 months ago

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SA Plano, TX

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

4 months ago

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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.

4 months ago

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Lou G Venice, FL

Great customer service and next day payment really works

3 months ago

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Diane Cantrell Denison, TX

Way too expensive unable to afford there insurance

2 months ago

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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

4 months ago

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