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LAST UPDATED: May 22nd, 2021

Aflac is a major insurance provider internationally and a Fortune 500 company. It was founded in 1955 and thus has an established reputation as a provider of all types of insurance — including critical illness insurance. 

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The Good

  • Plan Benefits
  • Socially Responsible
  • Easy-to-Understand Policy

Plan Benefits

Aflac’s Critical Illness Plan offers a number of benefits. One such benefit is that if you choose to get critical illness coverage, it automatically covers your dependents as well, at no additional cost.

In addition, with Aflac’s plan, there are no deductibles, copayments, or network restrictions — you have complete control over your decision when it comes to a medical treatment provider, and you can trust that Aflac will cover you wherever you decide to receive treatment.

Plus, Aflac’s Critical Illness Plan has a “Subsequent Critical Illness Benefit” feature where you can receive additional payments if you have a recurring or different critical illness later in life. This feature has no lifetime maximum, so you don’t have to worry that you will lose coverage for repeat or additional illnesses.

Socially Responsible

Aflac as a company spends millions of dollars each year on socially responsible causes to protect the environment and be good stewards of the world. The company’s main focus is on childhood cancer research and treatment. 

Since many critical illness plans are similar and thus difficult to compare, the socially responsible aspect of Aflac as a company may persuade you to use its services over those of its competitors.

Easy-to-Understand Policy

Aflac’s Critical Illness Plan is all laid out in an easy-to-understand PDF. The company has a lot of options and ways to customize your plan to your needs. 

However, we would still recommend talking to a representative from Aflac or your employer before deciding if a critical insurance component to your insurance plan is right for you.


The Bad

  • Not Focused on Critical Illness Insurance

Not Focused Solely on Critical Illness Insurance

Aflac’s insurance plans are detailed and comprehensive, but this means that critical illness insurance is not the company’s sole focus. Thus, it doesn’t necessarily specialize in this branch of insurance and may not offer as nuanced of plans as companies that offer only critical illness insurance.


The Bottom Line

Aflac is a trusted brand that has been around a long time. While it doesn’t specialize specifically in critical illness insurance, the company offers it as a supplement to any of its main plans.

We recommend working with your employer or an Aflac representative if you are interested in adding critical illness to your insurance portfolio.
View Best Critical Illness Insurance Companies

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Tiffany I Gaithersburg, MD

I’m enrolled in Aflac’s critical illness. I’ve never had to use it but I like having a safety net if anything were to happen. The account rep showed us what would happen - financially - if we were diagnosed with a critical illness… It’s a small fee for peace of mind.

3 years ago