Aflac Life Insurance

Aflac Life Insurance Reviews

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Overall Rating
1.9 out of 5
See all 35 reviews & ratings

About Aflac Life Insurance

Aflac Life Insurance Reviews

ConsumerAffairs has collected 35 reviews and 219 ratings.

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Page 1 Reviews 0 - 10
Customer ServiceCoverageProcess

Reviewed Nov. 9, 2023

After retiring from my company, my AFLAC policy was converted to a portability insurance plan. It took them nearly 6 months to process the paperwork. They threatened to cancel my coverage for non-payment when I never received a bill to make my payments. I made several calls asking for a bill. I always got an excuse that someone in the finance department would send out the bill, but never did for 6 long months even after I paid out of pocket for coverage. I've been trying to file a death benefit claim since September 20, 2023.

After calling today on November 9, 2023, about my September, October, and November bill, I was told it was the mail carrier fault and no fault of theirs. I was emailed a form today, Nov. 9, 2023, to fill out when I was told by a different representative not to fill out the form on October 4, 2023. Needless to say, I have been drained by their constant run-around. I have a file created just for AFLAC. I just want this nightmare to end. I would appreciate it if someone could assist with this disaster.

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Customer ServiceSales & Marketing

Reviewed Nov. 3, 2023

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.

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    Customer Service

    Reviewed Oct. 21, 2023

    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.

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    Reviewed Aug. 16, 2023

    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!

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    Reviewed 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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    Customer ServiceSales & MarketingOnline & AppStaff

    Reviewed 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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    Customer Service

    Reviewed 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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    Sales & Marketing

    Reviewed 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!!!!

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    Online & AppStaff

    Reviewed 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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    Customer Service

    Reviewed 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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    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