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!

Had an accident - went to emergency room - trauma team activated.. CAT Scan, x ray, ER visit. Had follow up dr visits and 4 OT visits. Submitted 74 pages to them. Made us get traffic crash report, ER stuff again, multiple trips and made us dance just to pay us for the ER visit. Customer "service" is awful and rude. They are full of misdirection and misinformation. On the 4th check and they still have not paid me fully for the benefits I have in writing. Multi calls to lodge complaint and no one will take it. AFLAC is terrible.

All they do is take your money. When something happens and they say 1 day to receive, don't believe it. Been over 2 months for a friend. They are still getting the runaround. Waste of money. Don't do.

We have policy for Specified Health Event. My husband passed away this Thanksgiving and we were able to file claim under this policy. Nowhere did it say you needed a will or an estate to collect. My husband nor myself have any of these due to him passing so sudden. Aflac stated to write a letter to collect no more than what their Affidavit states which that too also has loopholes. I wrote letter forfeiting some of the amount, signed their affidavit, just for them to write back and say, "Sorry. We cannot reissue check in your name. You need to go to probate court and get an estate granted to you." WTH??? We pay all this money every month and Aflac won't do a damn thing to help you one damn bit. Don't buy their life insurance policy because they will fight you and find any excuse not to pay out on that policy as well. I know I'm dealing with that part also.

November 2018, my husband passed away from a sudden heart attack. I submitted the Critical Illness claim to which the paperwork clearly states to submit a death certificate. I submitted all paperwork forms asked for on December 11, 2018, via email. Now have been told by 4 different representatives that I have to submit a Medical Examiner's report, discharge papers from the hospital, and the cardiologist report.

DON'T GET ACCIDENT INSURANCE WITH AFLAC. IT IS TERRIBLE. One example - they pay out for lacerations by the inch but doctors use centimeters. Plus doctors don't measure with a tape measure. They estimate. I had a 2.25 inches laceration. Doc estimated 5 cm which is 1.91 inches. Laceration less than 2 inches 50 dollar pay out over 2 inches 250 dollar payout. You can't go back to E-room doc to have him measure the cut better because many ER's use traveling doctors and getting a hold of the guy will be next to impossible... bet you didn't know any of this before you went E-room but bet Aflac does.

Beware of Aflac! When Aflac puts you on hold for over an hour so that you can contact a customer service representative, it is unethical to see how they handle issues. When you are sick and trying to get some help when you have paid and paid, they have the nerve to put you on hold continuously for up to over a whole hour and get nowhere. But, if you call to open up a new policy, they will answer within twenty seconds of your call! This should tell you something about this company. There are other companies that will do better. Aflac doesn’t even serve you or help in any way at all, they just want your money and that is all. I am sure that the CEO’s are getting the big money, and that money comes from what we pay them every single week. They always have an excuse with the claims, like they didn’t receive the paperwork, or it wasn’t dated. There is a huge lack of continuity in service.

I signed up for Aflac at the end of 2017. I had a specific reason for purchasing the insurance. I have been dealing with some issues for about 15 years. I have no idea what those issues are. Just that I have them. After signing up for the insurance, I was told it would become effective on 2/1/2018 and that any diagnosis I received before this date would not qualify me for a claim.

I am currently waiting for Aflac, to pay my husband’s life insurance policy here in the state of California. My husband passed away of a heart attack in May of 2017. He had, during open enrollment, just started a new life insurance policy through Aflac at the beginning of last year (2017). My first issue was the fact that Aflac chose not to contact me within the first 30 days to let me know that they would be disputing/investigating his claim. I had been in contact with a local Aflac representative, but he did not know they were contesting the claim. Their claims department waited until I sent them a request almost 3 months after his death to let me know the investigative status of the claim. At this point they informed me via a telephone conversation that they could simply choose to “not pay the claim at all and just close the claim”. After this conversation, I received two letters in the same envelope, each dated with a different previous month.

I have been a customer on Aflac since 2002, holding 3 policies, Cancer, Hospitalization and ST Disability. I never had to use these policies until last April when I became very ill and unable to support myself and my daughter. I should mention, that, on numerous occasions, although I have not missed a payment have received letters telling me that I was 3 months past due! When I would call to question these letters, I could never get a straight answer, just as now. I have been collecting disability (ST with much difficulty), for the last 9 months, and I have now received a letter stating my policies are all canceled due to lack of payment for too long. Again, I sent bank documents in (Twice) proving my payments, yet 5 Aflac agents refuse to acknowledge their existence? I have a surgery claim to send in, that I am certain, will be more waste of time/money on my part. Can anyone help me with this scamming company? Thank you.

My husband was injured at work and we thought... we had the Aflac disability insurance for out of work and work accidents, but as it turns out after 3 months of doing the paperwork dance we do not have the work injury insurance. We have had Aflac for years because my husband's job can be physically demanding and we are so disappointed with the company trying to get out of helping us through this injury. The Aflac representative told my husband today "I don't know what you want me to do about it." Thanks from a hardworking family. Not a fan.

This is the definition of Insurance... "A practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium." This is not Aflac. I have been faithfully paying Aflac for the past 9 years and unfortunately, became ill this year, believe me, just like everyone else, this is not what I wanted. I went to 2 additional doctors under the advisement of the my pcp and All 3 of them, told me that I needed to stay home. First, I was diagnosed with a high blood platelet count, (cancer) Thank God I don’t I have that, but now, I have a heart condition that I'm currently in stage 3 in, and if it goes to stage 4 I will be in need of heart surgery.

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.

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.

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.

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.

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.

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.

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.