Aflac
Bottom line: Aflac sells term and whole life policies, as well as supplemental life insurance through the workplace.- Policies available directly from Aflac or through many workplaces.
- No online quote option or policy details on website.
- Coverage is not available in all states.
- High number of complaints.
Why trust NerdWallet
1,413 life insurance rates sets collected.
441 life insurers analyzed by our team of experts.
185 policies assessed.
Dive deeper: Ratings methodology for life insurance.
NerdWallet's life insurance content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in life insurance. We follow strict editorial guidelines to ensure the content on our site is accurate and fair so you can make financial decisions with confidence and choose the products that work best for you.
About Aflac life insurance rating
Aflac earned 3 stars out of 5 for overall performance, ranking well for financial strength but drawing a high volume of consumer complaints.
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 sells insurance benefits at work, such as supplemental life insurance, which you can buy on top of your employer-provided coverage. Availability varies among employers.
You can also buy term life, whole life and final expense insurance through an Aflac agent. Some policies are not sold in all states.
Pros
- Policies available directly from Aflac or through many workplaces.
Cons
- No online quote option or policy details on website.
- Coverage is not available in all states.
- High number of complaints.
» MORE: Compare life insurance quotes
Aflac life insurance policies
Term life insurance. Aflac’s term life policy is available to applicants ages 18 to 70 (depending on the term length you choose), with up to $250,000 of coverage available. You can buy policies lasting 10, 20 or 30 years and have the option to add a waiver of premium, accidental death benefit or child term life rider. Aflac’s term life policy is available in 32 states.
Whole life insurance. Similarly, Aflac’s whole life policy offers up to $250,000 of coverage to applicants ages 18 to 70. You can add a range of riders to your coverage, including a 10-year term life rider to your policy or an accidental death benefit rider, which pays an additional amount if you die in an accident. Whole life coverage is available in 32 states.
Final expense life insurance. Policies are available to applicants 45 to 80, with $5,000 to $50,000 of coverage on offer. This type of policy is available in all states except New York. Depending on your age and health, you may qualify for one of two plans:
Level plan. Under this plan, there is no waiting period for accidental and nonaccidental death, which means your beneficiaries could receive the full death benefit immediately. You must be between ages 45 and 80 to apply, and coverage amounts range from $5,000 to $50,000.
Modified plan. With this plan, nonaccidental deaths are subject to a waiting period, which means your beneficiaries won't get the full death benefit if you die of natural causes within the first two years of taking out the policy. You must be between 45 and 75 to apply, and coverage amounts range from $2,000 to $25,000.
Supplemental life insurance. Aflac also sells life insurance through the workplace. These policies are portable, so you can take the coverage with you if you leave your job. If you want more coverage than the amount your employer provides, you may be able to buy supplemental coverage such as:
Juvenile life insurance. This policy can cover employees’ children 14 days to 17 years old. You can buy $10,000, $20,000 or $30,000 in coverage for your child and choose a term or whole life policy. Juvenile life coverage is available nationwide.
Group Life Term to 120. This hybrid policy doesn’t build cash value but, unlike regular term insurance, offers coverage that lasts your whole life (until age 120). The policy offers level premiums and living benefits you can use if you’re diagnosed with a chronic condition. Coverage is available in all states except California and New York.
Whole life insurance. Aflac’s group whole life policy has coverage up to $300,000, and you can add waiver of premium, accidental death benefit and accelerated death benefit riders. This policy is available in all states except Massachusetts, New York and Vermont.
Aflac also made our list of the best life insurance for children.
Aflac customer complaints and satisfaction
Over three years, Aflac has drawn far more than 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: Best life insurance companies
Where Aflac stands out
You can buy term and whole life policies through Aflac agents, as well as get coverage through workplace plans. Plus, you can use Aflac’s online life insurance calculator to help you figure out how much coverage you need.
Where Aflac falls short
The website lacks details about the policies the company offers to individuals, and you can't get a quote online without speaking to an agent. Also, some plans aren't available in all states.
» MORE: Life insurance policies
What it’s like to apply for a policy with Aflac
Aflac doesn’t offer online life insurance quotes, despite the fact that there are “get a quote” buttons all over the site. When you click one, you’ll fill out a few quick fields and schedule an appointment with an agent at a time that suits you.
Screenshot captured by our editorial team on January 27, 2025.
How Aflac’s customer experience stacks up
Aflac’s homepage clearly lays out the types of life insurance available. When you click on “life insurance,” the site offers basic information about whole and term policies and the difference between the two. It doesn’t include specifics about Aflac’s offerings, such as the coverage limits and life insurance riders available. The site’s “get a quote” buttons point you to agents who can provide further details.
When we called the insurer, it took five minutes of navigating automated menus and waiting on hold before we were connected to a human. (If the wait time had been longer, we would’ve taken the option to hang up and receive a call back.) The operator who answered the call forwarded us to a sales representative who was able to answer our questions about term life insurance.
The Aflac mobile app is compatible with both Apple and Android phones. You can use it to view policy information, make payments, update your policy or get your agent’s contact information. However, star ratings for the Android version of the app are mixed, with some reviewers complaining about glitches that make it hard or impossible to use.
Aflac has a chat feature that’s available around the clock. It starts with a bot that can answer common questions, but it also offers the option to connect with a live representative during business hours. When we chose that option, we were told that all representatives were busy and that we should try again later or call the company instead.
More about Aflac
Alongside life insurance, Aflac also offers a range of other coverage options, such as:
Cancer insurance.
Dental insurance.
Accident insurance.
Hospital insurance.
Vision insurance.
Short-term disability insurance.
Combination dental, vision and hearing insurance.
How to contact Aflac
Aflac can be reached by:
Phone: Call 800-992-3522 for customer service in most states. In New York, call 800-366-3436.
Email: Aflac doesn’t advertise a customer service email address, but it does have a complaint form you can fill out and submit online.
Live chat: Aflac’s chat service is available 24/7 from the company’s contact page.
- How we review life insurance companies
In our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:
Policies offered. There are many types of life insurance on the market, and they fall into three key categories:
Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.
Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.
No-exam life insurance issues coverage without the need for a medical exam.
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:
Exceptional: A+, A++.
Strong: A-, A.
Moderate: B, B+.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.
Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.
Dive deeper: Ratings methodology for life 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 2021-2023. To assess how insurers compare with 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.
