Aflac Insurance Review & Ratings (2024)

Aflac life insurance rates average $26 per month for term coverage, which matches typical prices at other companies. However, life insurance rates depend on many factors, so looking at Aflac life insurance quotes before deciding is essential. Aflac life insurance options include term and whole life.

UPDATED: Apr 18, 2024Fact Checked

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

UPDATED: Apr 18, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Apr 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 18, 2024Fact Checked

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Aflac Incorporated

Average monthly rate for healthy individuals:

$172

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Diverse coverage options in health and life insurance
  • Recognizable brand with extensive policy offerings
  • Variety of discounts available to help customers save on insurance costs
  • Swift claim processing and efficient payouts

Cons

  • Lower customer service ratings compared to similar insurance providers
  • Potential for rates to be higher than some other insurance companies
  • Varied pricing in health insurance based on individual circumstances
  • Limited information on specific numerical data such as rates and ratings in the provided content

Final Verdict: Review of Aflac Incorporated

Aflac Car Insurance is a reputable provider of car insurance policies that offers a wide range of coverage options and discounts to help customers save on their car insurance costs. The company’s mission is to provide customers with the protection they need at a price they can afford.

Aflac’s car insurance policies are available in most states across the United States, with a variety of discounts available to help customers save money on their car insurance. Overall, Aflac Car Insurance is a good option for those looking for a reputable provider of car insurance policies with a wide range of coverage options and discounts.

What You Should Know About Aflac

What You Should Know

  • Although it sells a variety of coverage, Aflac is best known for health and life insurance
  • Aflac life insurance rates tend to match the national average
  • Customer service ratings for Aflac are lower than other similar companies

Famous for its duck mascot, Aflac is a trusted name in health and life insurance. However, Aflac insurance options include policies like final expense, vision, dental, and pet insurance.

While the company struggles with its customer service ratings, Aflac life insurance rates tend to match the national average. The same can be said for its health insurance, but quotes can vary significantly depending on your unique circumstances.

Explore your life and health coverage options with Aflac Insurance below. Then, compare rates with other companies to ensure you find the right policy for your needs.

Aflac Insurance History and Mission

Aflac Car Insurance is a well-established provider of car insurance policies with a long history dating back to the 1950s. The company’s mission is to provide customers with the protection they need at a price they can afford.

Aflac offers a wide range of car insurance policies, including liability, collision, comprehensive, and personal injury protection. The company also offers a variety of discounts to help customers save money on their car insurance.

Aflac Insurance Coverage Options

Aflac Car Insurance offers a wide range of car insurance policies to meet the diverse needs of its customers. The main products and services offered by the company include:

  • Liability insurance: This type of insurance provides coverage for damages or injuries that you may cause to other people or their property while operating your vehicle. It typically includes coverage for bodily injury liability and property damage liability.
  • Collision insurance: This type of insurance provides coverage for damages to your vehicle caused by a collision with another car or object. It typically covers repairs or replacement of your vehicle if it is damaged in an accident.
  • Personal injury protection (PIP): This type of insurance provides coverage for medical expenses and lost wages for you and your passengers in case of an accident.
  • Uninsured motorist coverage: This type of insurance provides coverage for damages or injuries that you may sustain in an accident caused by a driver who does not have insurance.

Aflac Car Insurance also offers additional coverage options such as rental car coverage, roadside assistance, and glass coverage. The company also offers a variety of discounts to help customers save money on their car insurance. Aflac’s car insurance policies are available in most states across the United States, making them accessible to most people.

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Aflac Insurance Rates Breakdown

The cost of Aflac Car Insurance varies depending on several factors, including the type of coverage you choose, your driving record, the make, and model of your car, your age and gender, and the area where you live. Additionally, Aflac Car Insurance offers a variety of discounts to help customers save money on their car insurance.

Some of the discounts available include safe driver discounts, multi-policy discounts, and discounts for good students. Customers can also qualify for discounts by completing a defensive driving course. The company’s customer service team can give you a quote based on your specific needs and circumstances.

Aflac Discounts Available

Aflac Car Insurance offers a variety of discounts to help customers save money on their car insurance. The discounts available, the qualifications required, and the amount of savings will vary depending on the state where you live, and the specific policy you are purchasing. Here are some examples of discounts that are generally offered by Aflac Car Insurance:

  • Safe driver discounts: Customers who have a clean driving record and have not been in an accident for a certain period may qualify for a safe driver discount. The exact qualifications and amount of savings will vary depending on the state and the policy.
  • Multi-policy discounts: Customers with multiple policies with Aflac, such as car and home insurance, may qualify for a multi-policy discount. The exact qualifications and amount of savings will vary depending on the state and the policy.
  • Good student discounts: Some states offer discounts to students who maintain a certain grade point average. The exact qualifications and amount of savings will vary depending on the state and the policy.
  • Defensive driving course discounts: Some states offer discounts to customers who complete a defensive driving course. The exact qualifications and amount of savings will vary depending on the state and the policy.
  • Low mileage discounts: Some states offer discounts for customers.

Managing Claims Successfully With Aflac Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Aflac Insurance understands the importance of a streamlined claims process. Whether you prefer to file a claim online, over the phone, or through their mobile app, Aflac offers multiple convenient options. Their online portal is user-friendly, allowing policyholders to submit claims with ease.

Alternatively, you can opt for the traditional route and file claims over the phone, where their customer service representatives are readily available to assist you. Aflac’s mobile app further enhances the experience, providing a quick and efficient way to manage your claims on the go.

Average Claim Processing Time

One of the critical aspects of a claims process is the speed at which claims are processed. Aflac Insurance has a reputation for swift claim processing. On average, they aim to process claims promptly, ensuring that policyholders receive their payouts in a timely fashion. This commitment to efficiency sets Aflac apart in the insurance industry, offering peace of mind during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurer’s claim resolution and payout performance. Aflac Insurance has garnered positive reviews from satisfied policyholders who have experienced smooth and hassle-free claim resolutions.

The company’s dedication to providing financial support when it’s needed most is reflected in the satisfaction of its customers, showcasing its reliability and commitment to policyholders.

The Future of Insurance: Aflac Insurance Technological Advancements

Mobile App Features and Functionality

Aflac Insurance embraces modern technology with its feature-rich mobile app. The app allows policyholders to access their accounts, file claims, and manage their policies from the convenience of their smartphones. It offers a seamless experience, with user-friendly navigation and intuitive features, making it easier than ever to stay connected with your insurance coverage.

Online Account Management Capabilities

Online account management is a crucial feature for policyholders seeking convenience and accessibility. Aflac Insurance provides robust online account management capabilities through their website. Policyholders can log in to their accounts to review policy details, make payments, and update personal information, ensuring they have full control over their insurance coverage.

Digital Tools and Resources

In addition to its user-friendly mobile app and online account management, Aflac Insurance offers a range of digital tools and resources to help policyholders make informed decisions. These resources include educational materials, calculators, and informative articles that empower individuals to understand their insurance options and make the right choices for their unique needs.

Aflac’s commitment to leveraging technology for the benefit of its policyholders underscores its dedication to customer satisfaction.

How Aflac Ranks Among Providers

Aflac Insurance, known for its iconic duck mascot, offers a diverse array of coverage options, particularly in health and life insurance. Despite its recognition in these domains, customer service ratings and competitive pricing have posed challenges.

Here’s an assessment of how Aflac ranks among insurance providers based on the information provided. Ranks Among Providers:

  • Coverage Diversity: Aflac stands out for its comprehensive coverage in health and life insurance. Its diverse policies cater to various needs, including final expense, vision, dental, and pet insurance. In these domains, Aflac holds a notable position among providers, offering a wide spectrum of options for customers.
  • Pricing and Rates: While Aflac’s life insurance rates typically align with the national average, its health insurance quotes may vary significantly based on individual circumstances. This places Aflac on par with the industry average in life insurance but requires careful consideration for competitive pricing in health coverage.
  • Customer Service: A potential area of improvement for Aflac lies in its customer service ratings. The company has faced challenges with lower ratings compared to similar insurance providers. Despite robust coverage options, these lower ratings affect its overall standing among consumers seeking reliable service and support.

Aflac holds a notable position among insurance providers, primarily in health and life insurance coverage. While excelling in offering diverse policy options, the company faces challenges in customer service ratings and competitive pricing.

Customers exploring insurance options with Aflac are encouraged to weigh the extensive coverage against reported customer service concerns to make an informed choice aligning with their specific needs.

Aflac Insurance Customer Reviews

Aflac Car Insurance has received positive reviews from customers for its wide range of coverage options, its discounts, and its customer service. However, some customers have reported that the company’s rates can be higher than other insurance providers.

Frequently Asked Questions

What is Aflac Insurance?

Aflac Insurance is a supplemental insurance company that offers a range of insurance products to help policyholders cover expenses that are not typically covered by their primary health insurance. These products include accident insurance, cancer insurance, critical illness insurance, and hospital indemnity insurance.

How is Aflac Insurance rated?

Aflac Insurance has an A+ (Superior) rating from AM Best, which is a credit rating agency that specializes in the insurance industry. This rating indicates that Aflac Insurance has a strong financial position and is likely to meet its obligations to policyholders.

What types of supplemental insurance does Aflac Insurance offer?

Aflac Insurance offers a range of supplemental insurance products, including accident insurance, cancer insurance, critical illness insurance, and hospital indemnity insurance. These products provide cash benefits that can help cover expenses that are not typically covered by primary health insurance.

How can I get a quote for supplemental insurance from Aflac Insurance?

You can get a quote for supplemental insurance from Aflac Insurance by visiting the company’s website and using the “Get a Quote” tool. You can also contact a licensed insurance agent who represents Aflac Insurance to get a quote and discuss your options.

Is Aflac Insurance a good company?

Aflac Insurance has a strong financial rating from AM Best, which is a positive indicator of the company’s financial stability. Additionally, the company has won numerous awards for its customer service and claims handling. However, like all insurance companies, the quality of customer service and claims handling can vary depending on individual experiences. It’s a good idea to read reviews and get recommendations from friends and family before choosing a supplemental insurance company.

How can I file a claim with Aflac Insurance?

You can file a claim with Aflac Insurance by contacting the company’s customer service department or by using the Aflac SmartClaim® online system. The SmartClaim® system allows you to file a claim online and track the status of your claim.

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Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

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