Aflac Life Insurance Reviews

Updated on 06/03/2024: You should file a complaint with your state's Office of the Commissioner of Insurance and Safety. I have been having issues with AFLAC since July 1, 2022. I finally decided to file a complaint in 2024 with the state's Office of Commissioner of Insurance after no results with AFLAC. They will continue playing the same game, just different players!

I've had coverage with AFLAC through work for 5 years. When I filed a claim it was impossible to get any kind of resolution to my claim. I was finally able to chat with someone and was told I my claim had an estimated review date several days later. However, my claim status for over a week said in review. My e- mails and phone calls were all ignored or not responded to. I at one point was kept on hold for over an hour only to be told that their system was down and they couldn't help me. I would definitely stay away from this scam company.

My wife was diagnosed with cancer in July 23. We got the same runaround as everyone else describes in these reviews. I didn't get anywhere until I threatened legal action. 4 days after I told them I was going to get lawyer they paid the whole policy. We have financial obligations. Aflac doesn't care. It took 10 calls, 92 days, and talk of possible legal action to get paid. When you're offered AFLAC at work please apply due diligence to your decision.

I was with Aflac for 12 plus years and I had paid them over $7,000.00 and when I got sick and had to take off work for a whole week they had the audacity to only give me $50 and when I let them know I was unhappy about the payout amount seeing that I have given them over $7,000 and never had a claim and asked for my premiums back they totally have ignored me and I asked them to cancel my account once I received my premiums back from the whole 12 plus years and all they sent me was a $3.54 check. I will advise anybody that needs disability insurance to not use Aflac. They will certainly take your money but when you are in need they treat you terrible!

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.