Service Company Insurance

When life gives you setbacks, Aflac is here to help you make a comeback.

See how we can help meet your

The strategy focuses on easy-to-use technology, value-added programs and specialized underwriting capabilities

Technology

  • True platform integration
  • Full-scale enrollment capabilities and benefits administration technology
  • Billing consolidation of all non-medical benefits
  • ACA reporting and compliance and more

Benefits Communication

  • Communicate important information such as plan design changes and wellness programs
  • Enroll employees in all of their benefits
  • Confirm vital employee data

Value-Added Services

  • Complimentary AD&D coverage
  • Fraud Protection
  • Telemedicine
  • Health and Financial Wellness with Medical Bill Saver
  • Aflac Pass Discount Program
  • Flexible Spending Accounts

Underwriting

  • Public Sector-specific benefits such as the Tenure Benefit and Public Safety Benefits
  • HSA-compliant and Guaranteed-Issue options
  • Long history of rate stability
  • Group and Individual Products
  • Pre-tax eligible
Benefits Communication
Value-Added Services
Underwriting
Technology
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AFLAC ACCIDENT ADVANTAGE

Be Prepared for Life’s Unexpected Mishaps

Accidents can happen at any time. You could suffer an accidental injury while you are working around the house or walking into work. Or your child may get injured at basketball practice. When an accident happens, it can be costly. Even with major medical insurance, there may be out-of-pocket expenses that you’ll have to pay.

In the event of an unexpected injury, Aflac can help protect your personal finances. We provide individuals and families affordable insurance that helps with expenses that may not be covered by major medical insurance. Aflac pays cash benefits directly to you (unless you specify otherwise), so you can use the cash for anything you want. Which means uncovered medical expenses won’t break the bank if you are injured.

And since we can process your claim quickly, Aflac helps give you the peace of mind knowing you can spend more time recovering and less time worrying about bills.

The facts say you need the protection of the Aflac Accident Advantage insurance policy:

AFLAC CRITICAL CARE PROTECTION

Critical care for you. Added financial protection for your family.

Aflac’s Critical Care Protection policy helps provide financial peace of mind if you experience a serious health event, such as a heart attack or stroke. You will receive a lump sum benefit upon diagnosis of a covered event with additional benefits to be paid for things such as a hospital confinement, intensive care unit confinement, ambulance, transportation, lodging, and therapy. Benefits are also paid for specific heart surgeries, such as heart valve surgery, coronary angioplasty, coronary stent implantation, and pacemaker placement.
All benefits are paid directly to you, unless otherwise assigned, and can be used for any out-of-pocket expenses you have such as car payments, mortgage or rent payments, or utility bills. Aflac Critical Care Protection allows you to help protect the things you love the most from the things you expect the least.

The facts say you need the protection of the Aflac Accident Advantage insurance policy:

DENTAL INSURANCE

Smile. We’ve got you under our wing.

Millions of people believe a smile is the most important physical attribute—more so than hair, eyes, or figure.1 The best way to maintain or improve your smile is to brush and floss your teeth daily, visit your dentist, and apply for an Aflac Dental insurance policy. Aflac Dental provides benefits for periodic checkups and cleanings, X-rays, fillings, crowns, and much more. It’s your smile and your policy; Aflac Dental gives you control.
  • You choose your dentist. Because Aflac doesn’t use a network of dentists, you can go to any dentist you choose.
  • You and your dentist choose the best treatment for you. Aflac Dental doesn’t have precertification requirements. If the treatment is covered by your policy, you don’t need Aflac’s permission to receive it.
Aflac Dental is different from many other dental plans you may have seen.
  • You know what you’re getting with Aflac Dental. The plan spells out the benefits for both wellness and other diagnostic/treatment services. There are no gray areas. Each covered procedure has a specific benefit amount.
  • Aflac Dental doesn’t have an annual deductible. Other dental plans may require you to meet an annual deductible before benefits are payable.
  • Aflac Dental pays benefits regardless of any other plan. Even if you have other coverage, you’ll receive your full Aflac benefit amount.
With Aflac Dental’s Annual Maximum Building Benefit, you can receive even more benefits. Aflac will increase each Covered Person’s Policy Year Maximum by $100 after each 12 consecutive months the policy is in force up to a maximum of $500 per Covered Person.

“The Public Speaks Up on Oral Health Care: An ADA and Crest/Oral-B Survey,” American Dental Association, October 2008. 2Subject to applicable Waiting Periods.
3If the applicant retains existing dental coverage with another company, only the Essentials plan can be offered.

4“Warning Signs in the Mouth Can Save Lives,” Academy of General Dentistry, October 2008.

AFLAC CHOICE
HOSPITAL CONFINEMENT INDEMNITY INSURANCE

Life is full of tough choices,
but this isn’t one of them.

Aflac Choice makes selecting the right coverage easier and less stressful. With your trusted Aflac agent you can tailor Aflac Choice to meet your specific needs and enhance your existing coverage. Choose the options you want and ignore the rest.

Here’s how we can help

Aflac Choice offers our best selection of hospital-related benefits to help with the expenses not covered by major medical, which can help prevent high deductibles and out-of-pocket expenses from derailing your life plans.
If choosing the right coverage has given you one giant headache in the past, don’t worry. We’re here to help.

Why Aflac Choice may be the right policy for you

  • It’s customizable. You choose the plan that’s right for you based on your specific needs. It also works well with our other products.
  • Guaranteed-issue options available—that means there is no medical questionnaire required.*
  • We pay cash directly to you (unless you tell us otherwise)—not the doctor or hospital.

*Payment of claims is subject to all policy limitations and exclusions and pre-existing condition limitations.

How it works:

The above example is based on four scenarios. Choice 1 Scenario: Policyholder has the Aflac Choice policy only; includes a Hospital Confinement Benefit of $1,500 and a Hospital Emergency Room Benefit of $100. Choice 2 Scenario: Policyholder has the Aflac Choice policy plus the Hospital Stay and Surgical Care Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus an Initial Assistance Benefit of $100, a Surgery Benefit (appendectomy) of $200, and a Daily Hospital Confinement Benefit of $300 (hospitalized for 3 days). Choice 3 Scenario: Policyholder has the Aflac Choice policy plus the Extended Benefits Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus a Physician Visit Benefit of $25, a Laboratory Test and X-Ray Benefit of $35, a Medical Diagnostic and Imaging Exams Benefit of $150, and an Ambulance Benefit of $200 (ground). Choice 4 Scenario: Policyholder has the Aflac Choice policy plus both the Extended Benefits Rider and the Hospital Stay and Surgical Care Rider; includes the benefit amounts from Choice 1 Scenario (shown above), plus a Physician Visit Benefit of $25, a Laboratory Test and X-Ray Benefit of $35, a Medical Diagnostic and Imaging Exams Benefit of $150, an Ambulance Benefit of $200 (ground), an Initial Assistance Benefit of $100, a Surgery Benefit (appendectomy) of $200, and a Daily Hospital Confinement Benefit of $300 (hospitalized for 3 days). Benefits and/or premiums may vary by state and benefit option selected. The policy has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to the policy for benefit details, definitions, limitations, and exclusion.

AFLAC SHORT-TERM
DISABILITY INSURANCE

Helping Pay Your Bills, While You Pay Attention to You

What if one day, not very far in the future, you become disabled and you can’t go to work. How would you pay for the expenses of daily life such as monthly mortgage or rent, groceries and your utilities? The bills keep on coming even if you’re unable to work. That’s where Aflac’s short-term disability insurance policy can help make the difference. It’s a source of monthly income you may need to help take care of your bills while you take care of yourself.

Why Aflac Short-Term Disability may be the best choice for you:

  • It’s sold on an individual basis. You choose the plan that’s right for you based on your financial needs and income.
  • We offer the option of guaranteed-issue,* short-term disability coverage. That means no medical questionnaire is required.
  • We pay you a cash benefit for each day you are disabled.**

Here’s how we can help

When disabled, you may not only lose the ability to earn a living, but you may also lose savings or retirement funds. The financial obligations can be overwhelming. Disability insurance plays an integral and important role in your financial planning.
Aflac does not coordinate benefits. Regardless of any other disability insurance you may have, including Social Security, we will pay you directly.

*Subject to certain conditions.

**Subject to your benefit period and elimination period.

The facts say you need the protection of the Aflac Short-Term Disability plan:

(3) 2015 Disability Insurance Awareness Month, Facts from LIMRA.

How it works:

The above example is based on a scenario for Aflac Short-Term Disability that includes the following benefit conditions: ages 18–49, employed full-time at the time disability began, $2,000 monthly disability benefit amount, $40,000 annual salary, elimination period 0/7 days, 3 month benefit period, benefits based on policy premiums being paid with after-tax dollars.

The policy has limitations and exclusions that may affect benefits payable. For costs and complete details of the coverage, contact your Aflac insurance agent/producer.  

This brochure is for illustrative purposes only. Refer to the outline of coverage and policy for complete benefit details, definitions, limitations, and exclusions.

AFLAC VISION NOW®
VISION INSURANCE

The First Plan Designed to Help Protect One of Your Most Valuable Assets—Your Vision

According to an old proverb, the eyes are the windows of the soul. While we agree that may be true in a philosophical sense, at Aflac we also believe your eyes are the windows to even more: Your overall health for instance. Aside from maintaining good vision and detecting conditions such as glaucoma, eye exams can also reveal much more. They can help spot high blood pressure, diabetes, high cholesterol, and even brain tumors.
That’s why we’ve developed the Aflac Vision Now® vision insurance policy.
The Aflac Vision Now® plan is different because it encourages individuals and their families to be more proactive and preventive about caring for their vision. Most importantly, it takes vision insurance to the next level by paying benefits for eye surgeries, specific eye diseases/disorders, and permanent visual impairment.

*Subject to certain conditions.

**Subject to your benefit period and elimination period.

The facts say you need the protection of the Aflac Short-Term Disability plan:

1 American Optometric Association, “Healthy Vision on the Job Is Everyone’s Business,” <www.aoa.org/x14313.xml>, accessed on February 8, 2012.

2 Centers for Disease Control and Prevention, “Vision Health Initiative Fast Facts,” <www.cdc.gov/visionhealth/basic_information/fast_facts.htm>, accessed on February 8, 2012.

Our Vision Now® insurance policy offers you three plan options with Vision Correction Benefits of $90, $220, or $380 for materials, such as glasses and contacts. All three options include an Eye Exam Benefit of $45.

How it works:

The policy has limitations and exclusions that may affect benefits payable. This sample is for illustrative purposes only. Refer to the policy for complete details, definitions, limitations, and exclusions. 

Ready to take the next step to protect your future?

Fifty-eight percent of Americans have less than $1,000 to spend on out-of-pocket expenses. When unexpected healthcare costs like these come your way, there’s Aflac. See how we can help meet your needs.