Aflac Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Aflac Insurance Score
4 Stars
Aflac was founded in 1955. The carrier offers quality supplemental insurance policies to individuals, families, and businesses. It has been ranked among “The World’s Most Admired Companies” by Fortune magazine over a dozen times.
AM Best, the leading global credit rating agency monitoring the insurance industry, gives Aflac an “A+” rating — the highest available — indicating the carrier is a superior choice for insurance customers.
We award Aflac a final rating of 4 out of 5 stars. Not only does the carrier have a well-established history, but it also has impressive financial stability and the highest possible ratings from both AM Best and the Better Business Bureau, which makes it a top contender within the insurance industry.
Aflac’s massive reach has provided millions of customers in and out of the workplace with quality supplemental coverage. That being said, the carrier does have a concerning volume of complaints filed against it through the BBB in recent years, and there are quite a few customer reviews stating that their claims are not processed or paid nearly as quickly as Aflac promises.
However, Aflac provides a highly user-friendly website and multiple options for customers to contact them and find exactly what they need, which aids their reputation as a trustworthy carrier that offers dependable coverage. Contact an independent insurance agent to help you decide if Aflac is right for you.
Aflac Pros and Cons
To help those in search of the right supplemental insurance carrier, we've gone ahead and assembled a few key pros and cons to keep in mind about Aflac.
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
|
||||
|
|||||
|
Our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you connect to an independent insurance agent near you.
Aflac Products
Aflac offers supplemental insurance products, including the following, to employers and individuals:
For individuals and families:
- Accident insurance
- Dental insurance
- Dental, vision, and hearing insurance
- Cancer insurance
- Life insurance
- Critical illness insurance
- Final expense insurance
- Pet insurance
- Supplemental dental insurance
- Hospital insurance (workplace only)
- Short-term disability insurance (workplace only)
- Supplemental vision insurance (workplace only)
For business owners/employers:
- Accident insurance
- Cancer insurance
- Critical illness insurance
- Life insurance
- Hospital insurance
- Short-term disability insurance
- Dental insurance
- Supplemental dental insurance
- Vision insurance
- Supplemental vision insurance
Whether you’re an individual in the market for supplemental insurance or an employer searching for supplemental benefits coverage for your employees, Aflac may be the right carrier for your needs.
What Discounts Does Aflac Offer?
Aflac does not provide information about any specific discounts that it offers on its insurance products. If you're interested in learning more about savings opportunities with Aflac, contact a local independent insurance agent.
Aflac Customer Service
Aflac allows customers to handle customer service issues and file claims online or over the phone. The carrier provides the following customer service options:
- 24/7 account access and claims reporting through the online customer portal
- Options to file claims via phone, fax, or email also available
- Email, phone, fax, and online chat options for customer service inquiries also available
Main hotline for customer service has the following hours restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8:00 am - 8:00 pm |
Fortunately for those who don’t like contacting their carrier directly, you can get in touch with your independent insurance agent instead. Independent insurance agents are available to handle claims and insurance concerns for you, which allows for much easier and smoother customer service.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
Aflac FAQs
Aflac does not offer a specific claims response timeframe. It does, however, state on its website, "We pay claims fast."
Aflac offers a toll-free phone line for prospective and current customers to reach them at slightly restricted hours Monday to Friday, as well as email, fax, mail, and online chat options. Customers also have the option to file claims, request quotes, and get matched with an agent through the public website. Most account services, including claims, can be handled through the online customer portal.
The carrier also has a social media presence on Facebook, X, Instagram, and YouTube, making it even more accessible to customers.
While Aflac does have options to file claims via phone, email, or fax, it encourages filing claims 24/7 through the online customer account. The website offers claims checklists for all of the different types of policies (e.g., dental claims, short-term disability claims), as each has different requirements.
Aflac’s website is fairly easy to navigate and quite informative. Prospective customers can easily locate information about the carrier’s products, get matched with an agent, or request a quote. Current customers can file claims, check on an existing claim’s status, and view their policy through their online customer portal.
Information for filing claims and contacting the carrier is readily available, as is a description of the company's claims process. The carrier has a presence on Facebook, X, Instagram, and YouTube, as well as on a mobile app. The company is, in general, very accessible to its customers.
With strong "A+" ratings from both AM Best and the BBB, along with being a Fortune 500 company that offers a ton of coverage options for customers of all kinds, Aflac can arguably be considered a great option. There's also a large volume of positive customer interactions reported across many review sites. So yes, we'd say that Aflac is worth looking into.
Aflac's accident insurance covers certain out-of-pocket costs you may face after an accident. Some of these expenses may include hospital stays, medical exams, emergency treatments, transportation, and lodging. It can help fill the gap in coverage between your health insurance and other policies you might have.
Aflac's accident insurance can help you with expenses related to:
- Burns
- Comas
- Paralysis
- Concussions
- Dislocations
- Fractures
- Broken teeth
- Eye injuries
- Epidurals
Having an added layer of supplemental accident insurance can help fill the gaps that your primary insurance may be missing. You can consider Aflac's accident insurance to be a great option.
https://www.aflac.com
https://investors.aflac.com/ratings/default.aspx
https://www.bbb.org/us/ms/batesville/profile/insurance-companies/aflac-0523-235836925/addressId/42856