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Choose an Individual Policy View all Individual Policies

Accident


What is it?

What is accident insurance?

It's a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.

When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that.

You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance:

  • Broken teeth
  • Concussions
  • Intensive care unit confinement
  • Ambulance, ground and air
  • Emergency room visits
  • Lacerations



Who needs it?

Why do I need accident insurance?

After an accident, you may have expenses you've never thought about before. Can your finances handle them? It's reassuring to know that an accident insurance policy can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow up treatments or physical therapy.

In addition, your regular bills, such as the mortgage or rent, car payments and utility bills don't stop when you're laid up after an accident. Aflac accidental injury benefits are paid directly to you, so you can use them to help with your normal bills as well.

Cancer


What is it?

What is Cancer Insurance?

No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is great. In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2009, American Cancer Society). A cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments.

A cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren't covered by your major medical health insurance policy, including:


  • Deductibles
  • Out-of-network specialists
  • Experimental cancer treatment
  • Travel and lodging when treatment is far from home
  • Child care and household help
  • Normal living expenses, such as your car payment, andutility bills



Who needs it?

Why do I need Cancer Insurance?

While you can't always predict the future, here at Aflac we believe it's good to be prepared. Aflac's cancer/specified-disease insurance is here to help you and your family better cope financially and emotionally if a positive diagnosis of cancer ever occurs. That way you can worry less about what may be lying ahead.

Critical Care & Recovery


What is it?

What is Critical Care & Recovery Insurance?

A serious health event such as heart attack, end-stage renal failure or third-degree burns is not only a life-altering physical event, but a devastating financial one as well. Critical Care & Recovery protection insurance may make all the difference by providing cash benefits as you concentrate on your recovery.

Covered health events also include:

  • Stroke
  • Paralysis
  • Coronary artery bypass surgery
  • Persistent vegetative state
  • Major human organ transplant
  • Coma



Who needs it?

Why do I need Critical Care & Recovery Insurance?

If a covered health event happens, you'll welcome cash benefits to help pay for items not covered by your major medical insurance plan, including the numerous out-of-pocket expenses you'll face.

Dental


What is it?

What is Dental Insurance?

Regular trips to the dentist are essential for good oral health. A dental insurance policy may help considerably with the costs, often paying 100 percent of the expense of preventive benefits. But a great smile often requires additional dental care, such as X-rays, sealants, and emergency oral evaluation.

 Aflac bases its dental care benefits on the American Dental Association (ADA) code and spells out the benefits for both wellness and other diagnostic/treatment services. Since each covered procedure has a specific benefit amount, you know exactly what you're getting. Translation: No surprises. Other advantages include:


  • No deductibles
  • No precertification
  • The freedom and flexibility to choose your own dentist
  • Benefit payment regardless of other dental or medicalcoverage that may overlap
  • Ownership of the dental care policy (in other words, if you switch jobs or retire, you can take the policy with you and receive the same benefits)



Who needs it?

Why do I need Dental Insurance?

Your body's overall health may be more closely linked to oral health than you realize. Some studies suggest that heart disease, clogged arteries, strokes, premature births and diabetes may be associated with poor oral health.

Hospital Confinement Indemnity


What is it?

What is Hospital Confinement Indemnity?

No matter how good your medical insurance is, when you're hospitalized for an injury or illness there will probably be medical expenses and out of pocket costs that aren't covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. 

The benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to extensive hospital coverage. Whether you want a plan that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation, Aflac can help.

Some Aflac advantages:
  • No deductibles
  • Increased benefit amount for the first five days of hospitalization
  • HSA compatible policies are available
  • We don't use networks, so you can be treated at the hospital of your choice
  • No precertification
  • You own your policy, so even if you change jobs or retire, you can take it with you.



Who needs it?

Why do I need Hospital Confinement Indemnity?

Concerned about the cost of hospitalization? Rightly so — a hospital stay, even a short one, can be very expensive. Even with the best major medical insurance policy, your entire hospital bill probably won't be covered. And what about things health insurance was never intended to cover, like transportation and meals for family members, help with child care or time away from work? 

Often it's those unexpected expenses that add up quickly and force you to dip into your savings or borrow. A hospital confinement indemnity insurance policy is designed to provide you with cash benefits during a covered hospitalization.

Hospital Confinement Sickness Indemnity


What is it?

What is Hospital Confinement Sickness Indemnity?

Our Hospital Confinement Sickness Indemnity insurance policies help ease the financial burden of hospital stays due to illness by providing you with cash benefits.  While the primary benefits of the policy pay for hospital care, there's also a physician visit feature for those times when you're sick, have an accident, or just need a routine exam.

Some of the policy benefits include:
  • Hospital confinement
  • Major diagnostic exams
  • Surgery
  • Ambulance transportation
  • Different levels of coverage to suit your needs and budget
  • No precertification or network requirements



Who needs it?

Why do I need Hospital Confinement Sickness Indemnity?

You might think of the hospital as a place to go if you have an accident, but the truth is that the majority of hospital stays are due to sickness. Just a few days in the hospital for routine illness can be expensive. Our hospital confinement sickness indemnity insurance policies can help protect you in case of a hospitalization due to sickness.

Hospital Intensive Care


What is it?

What is Hospital Intensive Care?

A hospital intensive care insurance policy provides cash benefits for accidents or illnesses that result in an admission to a hospital intensive care unit. With Aflac, these cash benefits are paid directly to you, unless you instruct us to direct them elsewhere, no matter what other insurance you have. The hospital intensive care insurance policy has a straightforward benefit design that complements your major medical, limited benefit or short-term health insurance plans.

Aflac advantages include:
  • Initial cash benefit for first seven days in the ICU, with an increased benefit for the next eight days
  • Progressive benefits that build over time
  • We process claims quickly – usually within four days
  • Ambulance benefit
  • Major human organ transplant benefit
  • No deductibles



Who needs it?

Why do I need Hospital Intensive Care?

Every year, millions of people are admitted to intensive care units after events such as major surgery, head trauma, respiratory ailments, burns, strokes or heart attacks, to name just a few. If you're admitted to an ICU, you'll find that bills pile up quickly. Benefits from a hospital intensive care insurance policy can help with many expenses, including pharmacy supplies, nursing services, medical equipment and daily household needs.

Juvenile Life


What is it?

What is Juvenile Life Insurance?

Aflac offers both whole and term life insurance for juveniles, helping provide peace of mind by knowing that your family can be financially protected, even in the toughest of times. A juvenile life plan also helps guarantee future insurability.

Juvenile Whole Life: Offers a death benefit plus the policy builds cash value that may be collected, borrowed, or may be available to pay the policy’s premiums. The policy may remain in force for a lifetime, as long as the premiums are paid. The coverage amount doubles on the policy anniversary following the child’s 18th birthday with no increase of premium.

Juvenile Term Life: Provides a death benefit until the child’s 25th birthday, at which time the child has the right to convert policy to an individual permanent life policy at no more than double the face amount.



Who needs it?

Why do I need Juvenile Life Insurance?

Juvenile Life insurance helps provide for future insurability and is a competitively priced life insurance. This means that even if your child develops a serious medical condition at a young age that would usually make life insurance as an adult cost-prohibitive or impossible to obtain, he or she would still have coverage.

Life


What is it?

What is Life Insurance?

Life insurance helps take care of your loved one's immediate and future financial needs following your death. Immediate needs can include burial/funeral expenses, uninsured medical costs and current bills and debts. Future needs could include income replacement, education plans, ongoing family obligations, emergency funds, and retirement expenses.

Aflac offers a variety of life insurance to suit every need and income:

Term life insurance

Provides a death benefit for a specific length of time, usually 20 or 30 years. Coverage expires at the end of the term.

Whole life insurance

Offers a death benefit, plus an investment component that may be collected, borrowed or used to pay the policy's premiums. The policymay remain in force for a lifetime, as long as the premiums are paid.

Juvenile life insurance

Provides a death benefit up to the age of 25, when the policy can be converted to a whole life policy.

Term Life Insurance Riders

To cover children, a rider may be added to Aflac's term or whole life policies.



Who needs it?

Why do I need Life Insurance?

Would someone face financial difficulty if you passed away unexpectedly? Make sure you've done all you can to protect their way of life, secure their future and provide them with the proper life insurance protection that will see them through rough times. In this time of diminishing 401(k) balances and property values, Aflac life insurance offers a measure of stability you and your loved ones can count on.

Lump Sum Cancer


What is it?

What is Lump Sum Cancer Insurance?

A lump sum cancer insurance policy provides you with a pre-established amount if you or another covered person is diagnosed with cancer. You can use the money to help pay the expenses that you'll have at the time, from medical costs to everyday bills. 

Aflac's cash benefits can be used to help pay for the expenses associated with cancer that may not be fully covered by your major medical insurance, including:


  • Transportation to and from medical facilities, including parking
  • Out-of-network specialists
  • Experimental treatments
  • Daily living expenses
  • Rehabilitation
  • Extended hospital stays



Who needs it?

Why do I need Lump Sum Cancer Insurance?

The American Cancer Society estimates that one in five people who are diagnosed with cancer use all or most of their savings during their fight against the disease (American Cancer Society, Cancer Facts and Figures 2008). By complementing your major medical insurance policy with a lump-sum cancer insurance policy, you'll have cash-in-hand to help pay for treatment expenses, as well as the cost of daily living.

Lump Sum Critical Illness


What is it?

What is Lump Sum Critical Illness Insurance?

A lump sum critical illness insurance policy provides a single cash benefit to you if you're diagnosed or treated for critical illness events. The benefit is triggered by covered critical illness events such as:

  • Heart Attack
  • Stroke
  • End-Stage Renal Failure
  • Coma
  • Major Human Organ Transplant
  • Paralysis 



Who needs it?

Why do I need Lump Sum Critical Illness Insurance?

While you, or a covered family member, are being treated for or are recovering from a critical illness, there's a good chance that you will be facing deductibles, co-pays, and even costs for travel and lodging. The security of knowing that you'll receive a lump sum cash payment from Aflac will allow you to concentrate on your recovery, not your finances.

Short Term Disability


What is it?

What is Short Term Disability Insurance?

A physician-documented disability often results in a loss of income. Our short term disability insurance pays benefits (i.e., a monthly amount that is a percentage of your gross income) for a period of time while you are disabled. Your agent will help you select the right amount of disability insurance benefits for your needs, as well as the length of time they are payable.

You should choose a level of disability coverage that best meets your needs for:

  • The price you feel you can afford
  • Your income requirements
  • The amount of monthly benefits you'll want
  • The period of time you want benefits to last
  • The number of days before coverage kicks in
  • Optional riders



Who needs it?

Why do I need Short Term Disability Insurance?

Can you ever be sure that you won't experience even a short term disability? In the case of illness or injury, or even a planned pregnancy, a short term disability insurance policy helps you maintain your standard of living and helps pay your bills.

Vision


What is it?

What is Vision Insurance?

Aflac's vision insurance policy goes beyond traditional vision insurance by providing benefits for eye surgeries, specific eye diseases, and permanent visual impairment. Since there are no provider network stipulations, you'll have the freedom to use your preferred eye-care provider. And with the vision correction benefit options (at time of application), you can choose the benefits amount and frequency of exams that best meet your needs.

Your vision insurance policy can help you pay for:

  • Eye Exams
  • Vision correction materials
  • Specific eye diseases
  • Permanent visual impairment 



Who needs it?

Why do I need Vision Insurance?

Even in today's economy, budgeting for regular eye exams is vital because early diagnosis and timely treatment of eye diseases - such as diabetic retinopathy, cataracts, and glaucoma - is made possible. Our vision policy can help defray the cost of those exams and treatment.