Aflac

This Aflac review will cover Aflac ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Aflac A.M. Best rating is A+, and the Aflac S&P Rating is AA-. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 10, 2021

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Company Details
Address: 1932 Wynnton Road
City: Columbus
State: GA
ZIP Code: 31999
Phone Number: (706) 323-3431
Fax: (706) 324-6330
Website: aflac.com
AM Best Rating: A+
S&P Global Ratings: AA-
Moody's Rating: A3
Company Rating 2.45 (94 reviews)

Aflac is a huge organization based in Columbus, Georgia, with assets valued at $56 billion and a huge clientele of more than 40 million individuals worldwide. The company’s goal is to provide an inexpensive, yet superior, insurance product to its clients and employers by combining advanced marketing strategies with thoroughly investigated quality insurance plans on the market.

Aflac is a huge organization based in Columbus, Georgia, with assets valued at $56 billion and a huge clientele of more than 40 million individuals worldwide. The company’s goal is to provide an inexpensive, yet superior, insurance product to its clients and employers by combining advanced marketing strategies with thoroughly investigated quality supplemental health insurance plans on the market.

American Family Life Assurance Company (Aflac), is among the most respected insurance companies in the US. It was started by three brothers: Paul, John and Bill Amos in 1955. Aflac very quickly became popular and sold over 6,400 policies and accumulated more than $380,000 in assets in its first year of doing business. Aflac has a wide variety of health and accident insurance policies to meet the needs of almost every person and employer alike, typically providing the type of insurance they are seeking. As of 2003, over 98% of all Aflac plans sold in the US were issued through payroll deduction, a great convenience to the customer making the insurance firm a front-runner in using that type of policy distribution approach.

As Aflac’s motto states they will make cash payments to their clients when they get hurt and are unable to work. To this end, they offer many types of insurance packages for business owners, employers and individuals covering:

  • Accident/Disability
  • Cancer/Specified Disease
  • Hospital Intensive Care
  • Specific Health Event
  • Vision
  • Dental
  • Critical Care and Recovery
  • Long-term Care
  • Hospital Confinement/Sickness Indemnity
  • Medicare Supplement
  • Short-term Disability
  • Life Insurance
  • Child Life Insurance

Even though many company execs who monitor the positive characteristics of insurance coverage have privately acknowledged that customer service can be somewhat spotty, which seems to fall in line with the insurance coverage in the marketplace, many clients have related very positive experiences with customer service reps and sales consultants. You can check out some customer reviews below.

Some positive points that should be considered when looking at Aflac insurance plans are:

  • Portability
  • They pay you directly
  • A wide variety of plan packages
  • Coverage for some preventive care
  • Simple to complete claim forms

Also available from the company are packages covering dependent day-care, out-of-pocket medical expenses (not reimbursed), and portable flexible spending accounts. The company also provides human resources services for COBRA and HIPAA management.

The company’s network marketing sales structure has made it among the most prosperous in the country. Although sales consultants earn lower commissions on average than other insurance companies, they have created a very profitable business model.

It’s simple to get coverage from Aflac. You simply need to request a quote from them and then meet with a policy consultant to discuss your particular needs. In general, Aflac has proven to be a trusted and reliable supplemental insurance company that offers a wide range of insurance products at reasonable rates.

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