Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 26, 2021

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Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page 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 life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 1932 Wynnton Road
City: Columbus
State: Georgia
ZIP Code: 31999
Phone Number: 1-800-227-4756
Year Founded: 1955
AM Best Rating: A+
Company Rating 0 (0 reviews)
The Facts of Life

  • Aflac Life Insurance reviews suggest the company needs improvement with its customer service.
  • Aflac offers whole and term life insurance options with death benefits maxing out at $500,000.
  • S&P and A.M. Best Aflac ratings both suggest the company is in great financial standing.

Aflac Life Insurance is a growing commodity from a popular company. Aflac has been touted as the largest supplemental insurance company in the United States. Aflac offers supplemental whole and term life insurance options.

With so many life insurance options, we know it’s hard to decide which company is best for you. We’ll provide Aflac ratings, reviews, customer satisfaction, and complaints throughout the Aflac Life Insurance review.

Hoping to qualify for affordable Aflac Life Insurance? Don’t forget to compare your options. Start comparing the most affordable life insurance companies using our FREE quote tool above to save money on life insurance today.

Is Aflac a good insurance company?

Aflac is a well-known insurance provider that was established in 1955. Since the early 2000s, Aflac has become a very popular insurer nationwide and in some foreign countries.

Aflac has been ranked as one of the largest companies in the country, one of the best companies to work for, and has been fruitful with donations to the Red Cross, Smithsonian Museum, and the Martin Luther King Jr. Memorial.

Despite all of these excellent qualities, you’ll still want to be sure Aflac is a good company. How does the best Aflac life insurance policy stack up to industry competitors? Let’s take a look.

What are the ratings for Aflac Life Insurance?

Even some of the most popular life insurance companies have bad ratings. You’ll want to be sure you aren’t just searching for an affordable Aflac Life Insurance policy. There’s more to life insurance than monthly cost.

Aflac’s Better Business Bureau ratings stand at a 1.11 out of 5 which raises some red flags. They have also reported over 155 complaints in the past year. This is far above the industry norm.

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It is worth noting that the Aflac Life Insurance rating from the Better Business Bureau does include all of its insurance products. Many of the most recent consumer complaints about Aflac were for its health insurance policies.

The Aflac Life Insurance A.M. Best Financial Strength Rating is an A+, which classifies as superior. This indicates that Aflac should have minimal risk of a financial collapse.

Aflac has consistent ratings amongst industry rating agencies. Even Aflac Life Insurance Japan Ltd. holds an A+ rating, according to S&P.

Aflac Life Insurance does not hold a J.D. Power rating. This makes it harder to gauge consumer satisfaction. It wouldn’t hurt to review your local Aflac agent’s reviews to confirm their customer satisfaction.

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What products does Aflac offer?

Aflac is a large company. Like many other large insurers, they offer a multitude of products. Unlike many others, Aflac specializes in providing supplemental insurance.

Supplemental insurance is designed to supplement the policyholder’s primary form of insurance. For example, a policyholder might want supplemental life insurance if the life insurance they have through their employer might not quite cover their needs.

Aflac Insurance Policies
Insurance TypeDescription
AccidentAssistance for covered accidents like cuts, falls, stings, etc.
VisionCoverage for expenses related to vision (glasses, contacts, etc.)
DentalAssistance on specified dental care treatments.
CancerFinancial support if the policyholder is diagnosed with cancer.
Critical IllnessShort-term assistance in case the policyholder is suddenly in critical condition.
HospitalFinancial assistance for incurred expenses during hospital stays.
Short-term DisabilityShort-term financial protection if the policyholder becomes disabled.
LifeFinancial assistance for beneficiaries of policyholders if the insured becomes deceased.
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As you can see above, Aflac has quite an assortment of insurance options. In this article, we’ll help you learn more about Aflac and the Aflac life insurance policies.

What life insurance options are available through Aflac?

Aflac Life Insurance offers common life insurance policies despite being labeled as supplemental. Aflac offers whole life insurance and term life insurance policies. Some of those can be guaranteed.

How does Aflac Life Insurance work? This depends on which type of Aflac insurance you choose. Most people will be looking for cheap Aflac Life Insurance quotes. The cheapest policies are almost always with term life insurance.

Aflac offers term life insurance policies for 10, 20, or 30 years. You can get up to $500,000 in coverage if you’re under the age of 68. They also offer guaranteed-issue policies up to $25,000 with no medical exam.

What life insurance riders does Aflac have?

Life insurance can be complicated sometimes. When shopping for Aflac Life Insurance policies, you might be wondering if you can save money on Aflac insurance by stacking policies.

In this case, there are some additional policies offered by Aflac that might help you save money. For life insurance specifically, Aflac has riders that can make your policy more dynamic and ultimately less expensive.

Beyond potential savings, you can essentially customize your term life insurance policy with riders. Aflac Life Insurance riders include:

  • Accelerated Death Benefit
  • Conversion
  • Spouse
  • Child
  • Waiver of Premium
  • Accidental Death

These are all essential riders that could be very valuable to you and your family. For example, if you were to become terminally ill and need financial support, the accelerated death benefit could help by providing you 50 percent of the face value to use for new expenses.

How much does Aflac Life Insurance cost?

Aflac life insurance may compare favorably to some other life insurance providers. However, if you’re simply looking for cheap term life insurance, there are probably better options.

Keep in mind that Aflac does also offer whole life insurance. Whole life insurance policies can have higher monthly premiums but with a cash value component.

Cash value in life insurance is like a secondary savings account. This adds up over time to serve as a sort of investment. Can you borrow from an Aflac life insurance policy? With whole life insurance, you may be able to borrow some of your cash value.

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Are Aflac’s prices and premiums competitive? Being such a large company, Aflac Life Insurance prices have to be competitive. You’ll still want to get quotes from multiple companies since prices vary so greatly.

How is the customer service experience with Aflac?

Aflac appears to be very responsive to any complaints or issues. When reviewing its records with the Better Business Bureau, most issues came down to products or services.

Aflac headquarters tend to respond in just a few days if you file a complaint via the Better Business Bureau. Many of the local Aflac affiliates do not have any reviews on customer service.

It’s worth noting that Aflac employees have graded their experience working for Aflac as a 3.5 out of 5. This indicates that the experience might not be desirable for the consumer or employee.

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What are the pros and cons of Aflac Life Insurance?

There’s a lot to consider if you want to buy Aflac Life Insurance. With such long-term commitments, you need to know the good and bad. We’ll highlight the reasons why Aflac is a great option and why they might not be for you.

Pros of Aflac Life Insurance

  • Strong financial ratings
  • Available nationwide
  • Helpful life insurance riders

Cons of Aflac Life Insurance

  • Few policy options
  • Low limit on the death benefit
  • Subpar company reviews

Aflac is a company that seems to keep growing. They have simple life insurance policies that fit the basic needs of many people. They won’t be able to cover those who might need an extensive death benefit, however.

Aflac Life Insurance: The Bottom Line

Looking for cheap Aflac Life Insurance quotes? With strong financial ratings, great availability, and a big reputation, you may be able to find good Aflac Life Insurance rates.

What is better than Aflac Life Insurance? Saving money. See if you can save on life insurance quotes today with our FREE quote tool below. Don’t wait.