Aflac Life Insurance Reviews

Received a notification in the mail about a life insurance policy from Aflac that was lapsed because of nonpayment. Thankfully I had changed my bank account. The agent's name is Courtlan **. I have never spoken to this individual. When I called Aflac customer service, the lady that I spoke with reply was: "It's your word against his." I was really caught off guard. I found him on LinkedIn. He has been in insurance policy writing for only 11 months and that was a red flag. I already have life insurance and was not looking for more coverage. Be careful and constantly check your bank statements.

Aflac representative deleted important documents for my Husband's work injury claim after we submitted all Doctors notes and X-rays. House nearly fell on husband and we have pics to prove. I'm submitting the actual email where she directly states she deleted the information submitted. I don't want anyone else to have to suffer because of negligence from a supposedly reputable insurance company. OSHA will also be contacted..as there are many violations. Do not use **..out of work for 10 days no claim..no monies..

My wife died on May 12, 2025. I filed a claim on her policies and waited. I also called so that I could obtain a copy of both policies. I went through hell trying to get a copy, but was never able to as I was not the policy holder. Her claim for the Life policies is in review, so after a week I called and asked why. I was told they cannot tell me. Wow, nothing I do or ask them can I get an answer for. Do they believe that she is going to magically come back from death and give them authorization to talk to me? I sure seems like it. People, be wary of them, especially if you ever file a claim. They come across as this company that is caring and helps you when things happen in your life, but they are not.

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.

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!

To start, I have been waiting almost three months for my short term disability. I have submitted all required materials and all I have received so far is a $25 check which to be honest I'm not clear on the purpose of as I'm meant to be getting $2100/mo. Getting in contact with anybody has been a nightmare from the beginning. The guy who sold me my policy always took more than the 24 hours. I was promised to get back to me and he was completely unhelpful once I actually filed a claim, saying that it was no longer in his hands. Contacting the claims department has been even more frustrating - I have experienced wait times from 2-5 hours just to talk to someone. I do not recommend using Aflac for personal insurance and I will not be using them again for anything after this terrible experience.

I have seen so many good reviews and heard people say how great a company Aflac is but can not agree. I had a stroke on Sept 4 and the only thing I have gotten from Aflac is one more hoop to jump through. At first it was a problem with the claims form then it was the hospital would not release my records. Now it is that my claim is under review. I can not even get the agent to email me an address so that I can send them my records. I expect this is all just a game to keep from getting what I have been paying for. As far as I can see Aflac is just another scam to cheat people out of their money.

They say "get your claim back in 24 hours" is bs. I've been trying to get my claim for almost 6 months now. Have called every week for a month and a half to get just a paper to get my payments back and once again they keep putting me off. Been lied to on more than one phone call. I would have never had my surgery if I would have known this was going to happen. I am a mother of 5 kids I want my money BACK!