Aflac Reviews

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About Aflac

Pros
  • Quick claims processing
  • Financial support during illness
Cons
  • Frequent claim denials
  • Poor communication from agents

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Aflac Reviews

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    How do I know I can trust these reviews about Aflac?
    • 4,691,129 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 5
    Customer ServicePricePunctuality & SpeedStaffProcess

    Reviewed Feb. 11, 2025

    First of all, I think it is a very good idea on the front end to read the policy carefully and be aware of what Aflac pays for and what it does not because it is rather expensive! The claims that I have qualified for have been paid promptly. Have your bills ready to submit in PDF format. Submitting the claims online proved to be difficult both times I have tried. I probably made the process more confusing because I submitted claims for treatment halfway through and then had to submit the other half. Both times I tried the online chat feature which appeared to be just an automated feature - very frustrating. And both times I had to call customer service - each time I spoke with a very helpful, very patient (!!) young woman who stepped me through the process. I wish I had gotten her name and found a way to reward her - I think it was the same person each time in the Cancer Claim section.

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    Punctuality & SpeedStaffProcess

    Reviewed Feb. 4, 2025

    I had the privilege of working with Matthew ** during a challenging time, and his professionalism, knowledge, and empathy left a lasting impression. As an associate at AFLAC, Matthew went above and beyond to help me navigate and unravel my deceased father’s policies. He demonstrated exceptional attention to detail and took the time to ensure I understood each step of the process.

    What truly stood out was Matthew’s compassion and dedication to providing clarity and support during a stressful and emotional situation. His ability to combine expertise with genuine care is a rare and invaluable quality. I wholeheartedly recommend Matthew to anyone seeking a reliable, skilled, and thoughtful professional in the insurance industry.

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      Punctuality & SpeedStaff

      Reviewed Jan. 29, 2025

      I'm so surprised there are so many bad reviews for AFLAC. I have found them so fast and fair! They have a super easy website to submit claims and their turnaround time is extremely fast! I have been using them for years and very happy with them! My rep., Ed **, is also always incredibly responsive and sweet!

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      CoverageStaff

      Reviewed Dec. 20, 2024

      Aflac came to the company I work for and after listening and asking questions to representative Maximo **, I decided to get the accident, hospitalization and cancer coverages for my husband and me. I recently had a surgery where I had to be home for three weeks. My company covered these weeks, but I could also obtain extra money from those coverages I paid for.

      Even though I haven't finished with claims waiting for the hospital documentation, I have to say that the representative worked on my case so fast that I had the money in two days in my bank account. He also called me and wrote emails to have an update on the claims and to wish me speedy recovery. I think this is a great insurance for extra coverages in times when health insurances themselves don't cover all. If you want to have access to these coverages, don't hesitate to write to the above-mentioned representative at his email: **. Besides, it is very easy to manage your account and to have access to claims.

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      Reviewed Dec. 8, 2024

      I have had my cancer policy for 30 years. Having been diagnosed with cancer twice in the last 10 years I thank God I had this policy. I have always had a great experience with Aflac and never an issue when filing a claim. I highly recommend them as we never know when the unexpected happens.

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      Punctuality & SpeedStaff

      Reviewed June 27, 2025

      I had two surgeries on May 30 2025, thought I would be OK having Aflac short term disability, I have submitted everything down to my w2s and still waiting 27 days later, you talk to a representative they all tell you something different, as soon as I can I am canceling my three policies with them, I have paid them for these policies for over 7 years and never have needed them and now I need to use my short term and have went through hell trying to get my weekly benefits, it's ridiculous that they don't let you even start the paperwork untill after you have the surgery and ridiculous they put people through this when they are trying to heal, it has been nothing but stress when I should be focusing on healing my neck and wrist surgery. Beware!

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      CoverageStaff

      Reviewed June 18, 2025

      My wife a major heart attack in January. I had taken the specific event policy that covers specifically heart attacks, strokes and brain injuries. The agent who sold the policy did not ask if my wife or I had diabetes or do or have smoked in the last 5 years. Oh we find out that those are preexisting conditions. Thus the policy should not have been sold to me. The claim has been in review since March. They won’t even decline the claim which is most likely even though I was sold a policy that is worthless. My feeling is I was sold a policy under false pretense so they should honor the policy. They are still taking money for it out of my check. I can believe that individuals have been sold this policy and never use it. And if you smoke or have diabetes you’re paying for nothing.

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      Customer Service

      Reviewed June 17, 2025

      Aflac is not the company it used to be. Claims were paid correctly and in a timely manner in the past. However, this is not the case any longer. They purposely don't pay benefits you are entitled to and pay some parts of the claim incorrectly (the mistake is never in your favor). When you call customer service, they will never let you speak to someone in claims.

      They put you off, hoping you will just take what they give you and go away, while still happily raking in your premiums. Over 3 weeks out from a review of a cancer claim shorting me 550$ in benefits that I am entitled to under my policy and they refuse to correct the payout on the claim. It seems that almost all insurance companies these days are out to just rip off the consumer. Check them out on the Better Business Bureau website. Their ratings are horrible as they are here, yet they manage to keep an A+ rating. Something stinks!

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      Coverage

      Reviewed May 27, 2025

      I have never submitted a review of anything before but I have also never been this angry before. I obtained coverage in October 2024 and gave birth to my child in March 2025 (early c-section). I applied for coverage afterwards and was informed that my time would be covered up to 6-8 weeks. For the next 6 weeks (as I did not work and was not paid) I was sent on a wild GOOSE chase with AFLAC stating I needed to upload "office notes from my initial consultation". Proceed to me recovering form after form to submit until my claim was denied for "failure to receive" the form that I submitted two weeks prior. After several calls to Aflac and my hospital to figure out what they needed, Aflac informed me they need the form sent to them directly from my physician.

      I initiated this process and after calling three times over the next week for updates and being told to wait, I was informed a week later (after I had gone back to work) that no one looked into my policy far enough and that I would not be paid due to my "pre-existing condition". I was assured SEVERAL times that all I needed to do was to provide the necessary paperwork. Now I'm out 6 weeks of pay when I could have been working from home and I have officially canceled my coverage. Absolute worst business that I have ever dealt with.

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      Staff

      Reviewed May 24, 2025

      They have taken my money for many years. Now that I need my short-term disability, they have found every reason to deny my claim! SCAM ARTISTS! I cannot work due to permanent nerve damage and they said I have to have an aide in order to get the disability. How can I afford an aide if I am not able to work! I have given every piece of information they’ve requested and they acknowledge the disability but since I can move, I am just fine. They have no clue what PHN does to a person.

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      Aflac author review by Matthew Brodsky

      Aflac is one of the best known American insurance companies. It offers various types of insurance, including disability insurance.

      • Real cost calculator online: Users can calculate the probable cost of medical care for injuries or illnesses prior to beginning a claim.

      • Health insurance as well as disability insurance: Users can purchase insurance to cover specific medical conditions or general medical care as well as disability insurance.

      • Short-term disability insurance available: sers can get short-term insurance to cover them when a temporarily disabling condition hits.

      • Lump-sum policies cover long-term illness: Although Aflac doesn't offer long-term disability insurance, users can get a lump-sum benefit for a critical illness, allowing them to continue to support themselves.

      • Rapid online claims processing: Users can file claims online and upload documents to get their benefits within 24 hours.

      by Matthew Brodsky Insurance Advisor

      Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

      Aflac Company Information

      Company Name:
      Aflac
      Company Type:
      Private
      Ticker Symbol:
      AFL
      Year Founded:
      1955
      Address:
      1932 Wynnton Rd
      City:
      Columbus
      State/Province:
      GA
      Postal Code:
      31999
      Country:
      United States
      Website:
      www.aflac.com