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Bottom line: Aflac only sells life insurance through the workplace, but you can buy a supplemental policy if you need more coverage.
Policies offered: Term, permanent & no-exam.
Financial strength: Exceptional.
Complaints: Close to the expected number.
Buy online? No.
How we review life insurance companies
You may hear a duck sound in your head when you think of Aflac, but the company’s position in the insurance industry is no quacking matter. Aflac is a top seller of insurance benefits at work, such as supplemental life insurance, which you can purchase on top of your employer-provided coverage. Availability varies among employers.
Aflac life insurance
Aflac earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
» MORE: Best life insurance companies
Aflac life insurance pros and cons
Policies available directly from Aflac or through many workplaces.
No online quote option or policy details on website.
Aflac life insurance policies
Aflac only sells life insurance through the workplace. However, if you want more coverage than the amount your employer provides, you may be able to purchase supplemental life insurance through Aflac.
In some cases, Aflac’s coverage is guaranteed issue life insurance, which means you can get up to $50,000 of additional coverage without taking a medical exam. Aflac’s policies are portable, so you can take the coverage with you if you leave your job.
» MORE: Compare life insurance quotes
Aflac customer complaints
Over three years, Aflac has drawn close to the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.
More about Aflac life insurance
Aflac’s website has a life insurance calculator to help you figure out how much coverage you need, but otherwise it lacks details about the policies the company offers. Online life insurance quotes are not available.
Alongside life insurance, Aflac also offers a range of other coverage options like cancer insurance, pet insurance and dental insurance.
Life insurance buying guide
Before you start comparing companies, choose the type of life insurance you want, such as term or whole life. Decide which life insurance riders, if any, you want the policy to include. Calculate how much life insurance you need and how long you want the coverage to last. Check that the insurers you’re considering offer the coverage you’re looking for.
When comparing rates, be sure the quotes are for the same amount of coverage over the same period of time. It’s also important to make sure the policy’s medical requirements match your needs. For example, if you want to skip the life insurance medical exam but don’t mind answering health questions, confirm that the application process for each policy you're comparing aligns with that.
Price may not be the biggest driver behind your decision to buy. Look at the number of consumer complaints each company receives, as high numbers can be a red flag about the quality of service.
For more guidance, see our life insurance buying guide.
Life insurance ratings methodology
NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.