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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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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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

UPDATED: Nov 19, 2011

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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: Link
AM Best Rating: A+
S&P Global Ratings: AA-
Moody's Rating: A3
Company Rating 2.48 (92 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 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. 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 frontrunner 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.

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, un-reimbursed medical expenses, 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. Even though 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 variety of insurance products at reasonable rates.

92 Reviews

  1. Glen Maltman August 3, 2020
  2. Anonymous July 6, 2020
  3. Roberta Turk July 2, 2020
  4. Nadine Ditsch May 28, 2020
  5. E Paul Robbins April 4, 2020
  6. Tasha March 8, 2020
  7. Anonymous January 22, 2020
  8. Anonymous January 8, 2020
  9. Anonymous December 12, 2019
  10. Tamela Weathersby December 11, 2019
  11. Jennifer Covert December 3, 2019
  12. Donald g wallig November 22, 2019
  13. Barry Jefferson November 13, 2019
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  31. Anabel Pena December 5, 2018
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  35. Doc August 1, 2018
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  41. Larry February 13, 2018
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  45. Diane December 11, 2017
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  55. Christel Andres-Ludwig July 17, 2016
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  61. MARIO MEZA January 31, 2016
  62. Anonymous November 12, 2015
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  65. DCouncil August 6, 2015
  66. Unsatisfied customer July 23, 2015
  67. Jane K May 15, 2015
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  73. Laura August 28, 2014
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  89. Anonymous May 25, 2012
  90. Kenya May 17, 2012
  91. Anonymous March 13, 2012
  92. Ryan McClister January 6, 2012

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