Aflac Life Insurance

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Consumer Complaints and Reviews

Satisfaction Rating

I have had an accident policy since 2001. Really haven't had any really bad issues until my most recent claim. My husband fell on the ice and shattered his kneecap. He was taken by ambulance to the ER and then ended up having to have an Open Reduction Internal Fixation of his kneecap. I submitted the ER documents and was paid on those. They told me they needed to see the operative report for the surgery to pay that claim. I submitted it and they denied it. When I called to find out I was transferred to a woman named Shaniqua. She gave me a completely nonsensical reason my claim was denied. She basically inferred that the surgery really wasn't what the operative report said it was, which was not true. She was very rude, authoritarian and I didn't appreciate her attitude or tone.

Anyway I scanned a rebuttal and had to download documentation from the internet as to what an open reduction internal fixation of the kneecap was and submit it to them (like I really should have to do that?). They ended paying the claim. If they don't have claims adjusters who know what they are doing then they shouldn't even be in business. Anyway when I was done talking to Shaniqua I had selected the option to be transferred to complete a survey of my experience talking to her. Well she transferred me to some other dept and the chance to complete the survey on her was gone. Hmmm.

Fast forward to today, I submitted my documentation of the ambulance that took my husband to the hospital. It was an explanation of benefits from my insurance company showing they paid the bill and that we had a 0 responsibility. I was supposed to receive a $200 benefit. They denied the claim. When I called I had to talk to Shaniqua again, she told me they needed a bill from the ambulance company showing we had a 0 balance. When I asked her why as one of Aflac's big advertising pitches is that they pay regardless of what the insurance pays, she gave me another nonsensical answer that since I live in Oregon those were the rules. Again she was so rude and talked over me when I tried to inquire further about this "Oregon rule". And again when she was supposed to transfer me to the survey she transferred me to another dept where I was disconnected. Really?!

Anyway my advice to anyone who is considering signing up for AFLAC, be ready to fight them every step of the way when you submit a claim. I think they randomly deny claims and count on the fact that most lay people won't have the knowledge or wherewithal to question them or fight them. And I have no idea why they would have someone so rude and unknowledgeable working with customers in the capacity that Shaniqua does. In this day and age no paying customer should ever have to deal with a rude and argumentative person. Anyway I will get my ambulance benefit paid. It just really frustrates me that I am having to go through all of this nonsense to get it done.

Consumer Increased Rating!

Well amazingly I have received the checks in the mail and I'm astound that Aflac stood behind their word and even though it took so long to research it paid off.

Rachel of Saltillo, MS on

Original Review

I started a claim on 9/21/2016 for my father's life policy. Initially I was told policy was terminated for non pay. Being my father was disabled and I worked in insurance I was aware of waiver of premium benefit and since my father was disabled 2 years prior to when he died I questioned his rep first via email. He sent back same day miraculously however saying canceled for non pay and all he could say since he would require POA to discuss any further. Mind my father died so POA is void. Then he dropped his name off policies all 3. So called customer service, again and again and again! Get this form, get this info, sign this form, submit this! All physicians statements, employer statements, questionnaires, even social security benefit award letter poring he was drawing disability.

I was so frustrated just before Christmas I faxed and uploaded his entire medical history pages and blew out their online system! But I was tired of being kicked around and told crap that was unheard of ever in my life! It's 1/23/2016 and after filing claim with Georgia dept of insurance 2 weeks ago they now say he didn't qualify for waiver of premium. However, we didn't do our service correct as your father paid his premium for 2 months by CALLING US and we posted payment but failed to reactivate his life ins policy! So therefore they are gonna pay the death benefit less the almost 1-1/2 year of premiums and I'd have a check within 5-7 days. Claims will have to reactivate his policy and then they will process death claim. Well it's day 7 and when I email for update on the only 1 person the company has that is smart he tells me the claim file is open and should be processed within 24-48 hours but no check number as of yet!

After patiently waiting on this company to decide if they could research for a waiver of premium benefit to be active almost 4 months I'm guessing I'll have to wait a year till they decide to process and pay a claim on a life policy. Key thing with Aflac is to get a person that's a lead person rather than standard csr. Don't back down or give up on your claim process. Hate to say it but call, daily and after about a week threaten them with your state department of insurance by submitting a claim to them if needed. Once I actually filed a claim they got busy on my claim and I got more info on last 2 weeks than in all 4 months I've submitted the original claim.

I was very dissatisfied at them stating my father didn't qualify for wop. However I was amazed they told me they made mistakes 2 months in a row of posting my fathers payment but not making his policy active. His other 2 policies were drafted every 3 months out of his account and he asked them twice to add his life policy to the quarterly payment. And yet they didn't so policy terminated and never sent anything acknowledging it has done so! So if Aflac does do right like they have said over the phone to me recently I'll be updating this review with the outcome.

In light of all the BS I've been through with each CSR at the company if you're lucky and get an Andrew or Joel you'll be taken care of. However, if Rashene answers your call well get ready you'll have to prove everything in explanation as she tried to tell me that a government's letterhead stated Retirement and Pension was what my father was getting not disability from social security! I couldn't stand for why she claimed so I had to be rude and say lady, our federal government came up with their letterhead and how the title reads not me.

Social Security, Retirement, Pension and Disability Insurance is the header on all documents provided from Social Security when you request a benefit award letter! So without even reading the body in paragraph she proceeded to tell me I was wrong he was getting money every month from his pensions since he retired! I wanted to go to Georgia and grab that woman and take her outside! Ignorant! So we will see what good all of this effort has done maybe within few days but I've learned to not hold my breath on Aflac! That's for sure!

Satisfaction Rating

I am very very unhappy with Aflac. I am under my mom's insurance with this crappy company. We got into an accident on July 9th 2016 so we contacted Aflac a little bit later, told us we will get some money for the accident. So on Monday September 24, 2016 they told us if we do a smart claim it will be in our account in 24 hours. Well it's already Oct 1st 2016, I am very displeased because we have been getting nothing but a run around and they have been screwing up my claim and the left hand does not know what the right hand is doing!!! Now it shows in the system the account is paid but still nothing in my mom's account. It's **. I need the Monday for tomorrow for California and that are very ** unorganized... very very unhappy.

Satisfaction Rating

I've had my life insurance policy for about 5 years through Aflac. Luckily I've not had to use it! The representatives that I've dealt with in setting up my policy were very knowledgeable and were able to help pick the best policy for my needs. I like the idea that I can borrow money from my policy if needed and if I am diagnosed with a terminal illness I can pull from my policy without penalty. When submitting paperwork, they were very prompt in return communication.

Satisfaction Rating

Set rate forever. I've only had this insurance for a month so I haven't had much time for recommending. Low rates that never change as long as you keep the policy open.

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Satisfaction Rating

Worked for the company and know all the ins and outs of the company. No longer work there but would still buy their products. The agents are knowledgeable and they are easy to get in contact with. On other products we have they pay claims fast.

Satisfaction Rating

Our daughter passed away on 6/11/2015. After receiving the autopsy report, we filed her claim to Aflac. We were treated so nicely at first, then Aflac wanted medical records which had nothing to do with her passing. We provided all requested. I called after 1 month to get an update, I was told, because my daughter passed within the 2 year contestable period, Aflac is investigating the death. Another month past and I keep on calling for an update on the case, they tell me it's in upper management, then they said it was with their legal department and no one could ever tell me an update. So far I had called 6-7 times and it's the same story Aflac is prolonging the claim and as of today 12/9/2015 had not heard nor got any answers from them... Please don't buy any Aflac Policy. You will suffer like me in grieve over my daughter death and having to fight a giant like Aflac.

Satisfaction Rating

It was a very easy and smooth transaction. The agent was very knowledgeable about the product and when/how it could be used and paid for. The forms were all electronic and did not require an advanced degree in business/legalese to understand.

Expert Review

Neal FrankleLife Insurance Contributing Editor

Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of    More about Neal→

Founded in 1955, Aflac offers whole and term life insurance policies to individuals through their employers, with payment done by payroll deduction only. Aflac offers a variety of insurance policies that include life, auto and even cancer insurance.

  • No medical questions: The company has several policies that are guaranteed issue, with no medical questions to be answered, depending on your age and coverage choice.
  • Coverage is portable: Aflac allows you to take your life insurance policy with you when you change jobs or retire instead of having to find a new provider.
  • Policy choices: Aflac offers policies featuring up to $500,000 of protection, depending on the age of the insured.
  • Insurance calculator: Aflac provides an online questionnaire that helps determine how much life insurance you need based on certain factors.
  • Agent locator: The Aflac website features an easy zip code search tool to help you find a local agent close to your home or business.

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Aflac Life Insurance Company Profile

Company Name:
Aflac Life Insurance
Year Founded:
1932 Wynnton Road
Postal Code:
United States