Aflac is different from health insurance; it's insurance for daily living.
Major medical pays for doctors and hospitals. Aflac is insurance for daily living. It pays cash benefits directly to you, unless otherwise assigned, to help with daily expenses when you're sick or hurt.
Aflac benefits help with unexpected expenses.
Your Aflac benefits check helps you pay for the many out-of-pocket expenses you incur when you are sick or hurt - like the cost of transportation to and from medical facilities, parking and additional child care expenses.
Aflac pays you cash benefits to use as you see fit.
You can use your Aflac benefit check to help pay for groceries, child care, rent...it's totally up to you.
 
Aflac is affordable.
We have a range of products that fit most budgets. Aflac can provide you and your family with coverage and security to help maintain your everyday life in case of illness or injury. And, Aflac rates don't go up when you file a claim.
Aflac is an extra measure of financial protection.
When you're sick or hurt, Aflac pays cash benefits that you direct to help you and your family with unexpected expenses. The benefits are pre-determined and paid regardless of any other insurance you have.
Aflac goes with you when you change jobs.
When you have an Aflac policy - it's yours. You own it. Even if you change jobs or retire, you can take your Aflac policy with you.
 
Aflac claims are processed quickly - usually within 4 days.
Filing a claim with Aflac is never a 'wait and see.' Claims are usually processed within 4 days. Our forms are also easy to complete. So while you're focusing on your health, we focus on getting you a check quickly.
Aflac pays you benefits even when you're healthy.
We want you to be healthy - that's why we promote preventative care. Get a routine physical, a mammogram, or an eye exam and we'll pay you*. It's that simple. *Benefits may not be available in all states.
Accident
Policy Series A-34000
Policies A-34100-OR, A-34200-OR; A-34100-PA, A-34200-PA; A-34100-TN, A-34200-TN; A-34100-TX, A-34200-TX
  • Emergency Treatment Benefit
  • Specific-Sum Injuries Benefit
  • Accidental-Death Benefit
  • Initial Hospitalization Benefit
  • Plus much more
  • In 2005, about 36 percent of all hospital emergency depar tment visits in the United States were injury-related.
  • A disabling injur y occurs in the home about every 3 seconds.
  • As of 2004, unintentional injuries are the fifth leading cause of death overall and first among persons in age groups from 1 to 44.
Short-Term Disability
Policy Series A-57400
Policies A-57400-OR, A-57400-PA, A-57400-TN, A-57400-TX
  • Selection of:
      * Save FICA contributions.
      * Elimination period.
      * Benefit period.
  • Guaranteed-renewable to age 70
  • Benefits paid directly to you unless you choose otherwise Policy Series A-57400
  • Benefits paid regardless of any other insurance
  • There is an unintentional-injury death every 4 minutes, and a disabling injury every second.
  • An unintentional-injury death occurs in a motor vehicle every 12 minutes; and a disabling injury occurs in a motor vehicle every 13 seconds.
  • An unintentional injury death occurs in the home every 12 minutes; and a disabling injury occurs every 3 seconds.



Cancer/Specified-Disease
Policy Series A-75000 and A76000
Policies A76100OR, A-75100-PA through A-75300-PA, A76100TN, A76100TX
  • Ambulance, Transportation, and Lodging Benefits
  • Hospital Confinement Benefit
  • Radiation and Chemotherapy Benefit
  • Surgical/Anesthesia Benefit
  • Plus More
  • In the United States, men have slightly less than a 1-in-2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3. About 1,437,180 new cancer cases are expected to be diagnosed in 2008.
  • Approximately 10.8 million Americans with a history of cancer were alive in January 2004.
  • The five-year relative survival rate for all cancers diagnosed between 1996 and 2003 is 66 percent.
Hospital Confinement Indemnity
Policy Series A46000
Policies A46100OR through A46300OR, A46100PA through A46300PA, A46100TN through A46300TN, A46100TX through A46300TX
  • Hospital Confinement Benefit
  • Rehabilitation Unit Benefit
  • Plus much more
  • In 2005, an average hospital stay cost $8,534.90.
  • In 2005, outpatient surgery accounted for 63 percent of all operations.





Specified Health Event
Policy Series A71000
Policies A71100OR, A71200OR; A71100PA, A71200PA; A71100TN, A71200TN; A71100TX, A71200TX
  • Pays a First-Occurrence Benefit as well as Hospital Confinement and Continuing Care Benefits for:
      * Heart attack & coronary artery bypass surgery
      * Stroke
      * End-stage renal failure
      * Major human organ transplant
      * Major third-degree burns
      * Coma
      * Paralysis
  • About every 26 seconds, an American will suffer a coronary event. In 2008, an estimated 770,000 Americans will have a new coronary attack and about 430,000 will have a recurrent attack.
  • On average, someone in the United States has a stroke every 40 seconds. Each year, about 780,000 people experience a new or recurrent stroke.
  • Each year, about 60,000 more women than men have a stroke.





Hospital Intensive Care
Policy Series A18400
Policies A18400OR, A1840HOR; A18400PA, A1840HPA; A18400TN, A1840HTN; A18400TX, A1840HTX
  • Daily Hospital Intensive Care Unit Confinement Benefit
  • Daily Step-Down Intensive Care Unit Confinement Benefit
  • Plus much more
  • The cost difference between a general hospital room and a trip to the ICU, particularly for coronary and neonatal care, is huge. Beyond the room charges, expenses can soar well above the benefit levels of standard health plans.



Dental
Policy Series A81000
Policies A81100OR through A81400OR, A81100PA through A81400PA, A81100TN through A81400TN, A81100TX through A81400TX
  • Freedom of choice (Pick any dentist.)
  • Portable
  • Guaranteed-renewable at the same payroll rate
  • Pays regardless of any other insurance you may have
  • No deductible
  • Easy to understand
  • In recent years, however, it’s become clear that proper dental care isn’t just important for healthy teeth, but for overall health. In fact, studies have tied poor dental health to heart disease, cancer, and a shorter lifespan.
  • A yearly exam, tooth cleaning, and X-rays can cost well over $200, while more complex dental work such as root canals and capping teeth can cost more than $1,000.



Life
Policy Series A63000
Policies A63100AR through A63600AR; A63100OR through A63600OR; A63100PA, A63200PA, A63300PA, A63500PA; A63100TN through A63600TN; A63100TX through A63600TX
  • Provides up to $200,000 of whole life insurance, termlife insurance, or term life insurance with a Return of PremiumBenefit
  • Waiver of Premium Benefit
  • Optional Spouse & Child Riders
  • Optional Accidental-Death Benefit Rider
  • Fifty-six percent of married parents believe their current life insurance coverage is inadequate.
  • Twenty-two percent of families with dependent children admit they will have immediate trouble meeting everyday living expenses, and another 26 percent can cover expenses for only a few months if a primary wage earner dies.


Hospital Confinement Sickness Indemnity
Policy Series A-45000
Policies A-45100-OR through A-45300-OR, A-45100-PA through A-45300-PA, A-45100-TN through A-45300-TN, A-45100-TX through A-45300-TX
  • Physician Visits Benefit
  • Initial Hospitalization Benefit
  • Major Diagnostic Exams Benefit
  • Surgical Benefit
  • Plus much more
  • The demand for coverage that addresses physician costs for treatment of sickness • Physician Visits Benefit continues to escalate.







Vision
Policy Series VSN100
Policies VSN100OR, VSN100PA, VSN100TN, VSN100TX
  • Eye Examination Benefit
  • Vision Correction Benefit
  • Specific Eye Diseases/Disorders Benefit
  • No network restrictions
  • Plus much more
  • Vision problems are the second most prevalent health problem in the country, affecting more than 120 million people.
  • The annual financial burden of major adult vision disorders exceeds $50 billion annually.
  • Only 21 percent of employers offer or contribute to vision benefits.