Aflac Life Insurance

If you buy this insurance be careful and have a good rep. Got it for all my employees and couldn’t get answers to questions after about 2 years of using them. I canceled the policies and they still charged me for almost 5 months. No excuse for this.

So back in January of this year I contacted Aflac because I was scheduled to have surgery and was looking for a plan that would help with compensation while I was out of work. I spoke to the sales representative and explained to her exactly what I was looking for. She came back on the line with 2 plans and explained them to me. I agreed to the plans because I was under the impression that she found what I was looking for. So surgery day came and I went on the app to try to file a claim.

Honestly, if I could give this company, less stars I would. My mother-in-law passed away, almost a year ago, and we have submitted every single document well more than five times because they either needed someone else to review it lost or didn’t have record of it, or some other bogus excuse. We are almost a year to the date that my mother-in-law passed away and yet every time we call, it’s still in review. It needs to be passed on to a manager supervisor, and someone’s gonna call us back and someone’s gonna be reaching out to us. And they never have and I’ve called literally every week at least once a week since the claim is submitted and we still have nothing. No amount of money will ever be able to bring her back. But it will help me to get out of debt with the personal loans I took out to help bury her.

Aflac is a joke, they are nothing more than a scam company. Please if you are reading this, do not waste your time with this joke of a company!!!! With them you can never provide enough information for them, so they don't have to pay!!! This Company Is A Fraud!!!!

They will deduct your money from your account and tell you that their website is down which will stay down for 3 and a half months while you are paying them. You will get a address finally to submit your claim where they tell you they never got it. The website comes back up and you submit your claim with about 15 sheets of back paperwork to support everything and just as you think as is well they continue to tell you that you will need to submit more paperwork. They are scammers. This would have been my biggest claim with all verifiable paperwork and they stalled. So I just canceled their services. Such terrible business. Never expected it... Told family members and they cancelled as well. Don't waste your hard-earned money on a company that's not trustworthy.

At 62, I’m sorry I didn’t purchase more. The company has been totally hassle free. Now retired, my first 20 plus years of premiums were painlessly auto deducted! Thus, I would certainly highly recommend this company, and any of its equally well run subsidiaries, to any families, or, individuals looking for life insurance.

I used to love dealing with Aflac. My disease was enough, so it was nice to know that my claims were properly and promptly processed. Since about May 1 2021, the company has basically ceased functioning. If you call Customer Service there is a 6-8 HOUR DELAY. And, no new claims are being processed that are the same as that paid for the same procedure. And if you do get though to CS they lie and say they will take care of it and they don't. As icing on the cake they took away a user friendly website and replaces it with a 'duck' theme, which regularly crashes. I have been asked for paperwork on ONE CLAIM 15 times and have told them in notes it is the same procedure they paid before a few times.

Affordable, flexible, favorable to over 55, monthly payments help balance budget, customer service needs help, should advertise their life insurance more so people know they are out there, too many inquiries into extra - burial insurance isn't necessary for everyone.

Had two claims in two years. Both times they could not find me in their system. After multiple, multiple tries got thru and they told me to submit a claim. Did so. They told me I did not have the coverage I was sold. No payout. 2nd claim still waiting after 4 months. Worst ever. Save the headache.

My husband and I have had Aflac life insurance for 10 years. All of a sudden THEY cancelled our insurance without notice. This is the kind of service you get from this company. If I could give them zero stars, I would! Then when my husband called to ask why it was cancelled, they said it was because they automatically cancel all policies after 10 years. Don’t do business with this company. Totally irresponsible and unreliable!