Aflac sells term and whole life policies, as well as supplemental life insurance through the workplace.
Rating Breakdown
Financial strength rating
Exceptional
Online purchase
No
NAIC complaints
Far more than expected
Policies offered
Term, permanent & no-exam
A good fit for people who can get Aflac coverage through their employer.
For companies with better customer satisfaction, see our picks for the best term life insurance and the best whole life insurance.
About Aflac life insurance
Aflac primarily sells life insurance coverage through the workplace, such as supplemental life insurance. Availability varies among employers.
You can also buy term life, whole life and final expense insurance through an Aflac agent. But you may have better options. The company draws a lot of consumer complaints, and some policies aren’t available in certain states.
Aflac earned 3 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
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.
Aflac life insurance policies
Term life insurance. Aflac’s term life policy is open to applicants ages 18 to 70 (depending on the term length you choose), with up to $250,000 of coverage on offer. You can buy policies lasting 10, 20 or 30 years. Aflac’s term life option 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. It’s available in 32 states.
Final expense life insurance. Applicants ages 45 to 80 can get $5,000 to $50,000 of coverage. 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 ranges 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 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 in all states except New York.
Group Life Term to 120. Unlike regular term life, this policy offers coverage that lasts your whole life (until age 120). It doesn’t require a medical exam, and it comes with level premiums and living benefits you can use if you’re diagnosed with a chronic condition. Coverage options are available for employers in all states except California, New York and Virginia.
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.
Group term life and AD&D. Aflac offers various options for term life and accidental death and dismemberment insurance for employees and their dependents.
Aflac life insurance riders
If you buy a term or whole life policy from Aflac, you might be able to tack on these life insurance riders:
Waiver of premium rider. Pauses premiums for a period of time if you become disabled.
Accidental death benefit rider. Pays out an additional amount if you die in an accident.
Term life rider. Adds 10 years’ worth of term life coverage to your policy.
» MORE: Compare life insurance quotes
Aflac customer complaints and satisfaction
A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. 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.
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 riders available. The site’s “get a quote” buttons point you to agents who can provide further details.
Though you can’t get a quote or buy a policy online, the website does allow you to change beneficiaries and file claims.
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 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: Life insurance policies
What it’s like to apply for a policy with Aflac
Aflac doesn’t offer online life insurance quotes, despite there being “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 Oct. 28, 2025.
How Aflac compares to other insurers
Aflac | TruStage | AAA | |
|---|---|---|---|
Star rating | |||
Financial strength | Exceptional. | Strong. | Strong. |
NAIC complaints | Far more than expected. | More than expected. | Far more than expected. |
Policy types offered | Term, permanent. | Term, permanent. | Term, permanent. |
Online experience | Can change beneficiaries and file a claim online. | Can get a quote, buy a policy, change beneficiaries and file a claim online. | Can get a quote and file a claim online. |
Transparency on website | Average. | Average. | Above average. |
Read full reviews |
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: Not available.
Live chat: Available 24/7 from the company’s contact page, with agents available during business hours.
How we rate the best life insurance companies
✅ 445 life insurers reviewed
📝 210 policies assessed
🔢 1,515 data points analyzed
📊 Star rating categories
When NerdWallet evaluates life insurance companies, our editorial team considers the insurer's strengths and weaknesses, as well as the things that matter most to customers buying a long-term financial product. We then weigh these factors carefully:
💰 Financial strength (35%). We use AM Best ratings to confirm an insurer’s financial stability and ability to pay claims far into the future. The top life insurance companies have an exceptional financial strength rating of A+ or A++ (Superior).
🗣️ Consumer complaints (35%). Our top-rated life insurance companies have fewer than the expected number of complaints to state regulators over a three-year period, according to the National Association of Insurance Commissioners — so you can expect a smoother customer experience.
☎️ Consumer experience (20%). Insurers who allow consumers to contact them by email, phone and live chat earn the highest scores. The same goes for insurers who support online quotes, beneficiary changes and claims.
👀 Transparency (10%). Our methodology gives higher scores to transparent insurers who clearly display information about their policy options, coverage amounts and term lengths (if applicable) on their site.
⭐ What our star ratings mean
Companies with 5 stars are exceptional, with strong financials, diverse policy lineups and great reputations for customer service.
Companies with 4.5 stars are excellent, with solid financials and policy offerings, and good customer service track records.
Companies with 4.0 stars are good, and potentially great for people looking for niche coverage options.
Companies with 3.5 stars or fewer could do better in certain categories, like financial strength and customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our life insurance ratings methodology and editorial guidelines.
