Aflac Life Insurance

Aflac Life Insurance

 3.5/5 (84 reviews)

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Overall Rating3.5 out of 5
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About Aflac Life Insurance

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    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: May 4, 2023

    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.

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    Verified Reviewer
    Original review: March 15, 2023

    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.

    First of all it was awful trying to figure out the app altogether, when I realized that I couldn't get in it took me several days to get a real person on the phone. When I finally got someone on the phone the gentleman told me that I had the wrong plan and the only way I could get the plan that I was looking for would be through an employer that offered it. I was livid!!! I told him to cancel this immediately and refund me my money. He stated that it would take a couple of weeks to do an investigation to track down the initial phone conversation but I was refunded the remaining amount from the cancelation. Well today I received a call from them stating that they had found the initial conversation and that the lady explained the policy, I never said she didn't explain I said she didn't sell me what I asked for. Long story short they will not refund me my money. They are out here scamming people. DO NOT TRUST THEM!

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      Verified Reviewer
      Original review: Jan. 17, 2023

      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.

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      Verified Reviewer
      Original review: Aug. 11, 2022

      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!!!!

      2 people found this review helpful
      Verified Reviewer
      Original review: June 2, 2022

      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.

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      Verified Reviewer
      Original review: July 29, 2021

      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.

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      Verified Reviewer
      Original review: June 16, 2021

      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.

      In conclusion, this once wonderful company is gone and replaced by a company that has the attitude "How can we NOT pay you". A very sad ending for a company that in the past was so kind and helpful. I wrote to the CEO of the company, too and of course heard nothing. So, if you are contemplating Aflac, beware they are now a company that does not care and does not process claims in a timely manner. I have some claims that are over 1 month old and never paid.

      8 people found this review helpful
      Verified Reviewer
      Original review: Dec. 4, 2020

      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.

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      Verified Reviewer
      Original review: June 16, 2020

      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.

      9 people found this review helpful
      Verified Reviewer
      Original review: Nov. 4, 2019

      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!

      32 people found this review helpful

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        Aflac Life Insurance author review by Neal Frankle

        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.

        by Neal Frankle Life Insurance Advisor

        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

        Aflac Life Insurance Company Information

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