The following are real stories from Aflac policyholders. We invite you to add your story by clicking on the COMMENTS LINK at the bottom of this page.

*** "To any interested party,

If you are reading this letter, you are contemplating applying for an Aflac insurance policy. I would just like to take a few minutes and relate to you my experience with Aflac.
Over the years, I have filed lots of claims on my policies. As long as I have provided the correct documentation (and on the occasions I didn’t I got a letter from Aflac telling me exactly what I need to provide) claims have been paid promptly and they are paid directly to me. If I choose to pay medical bills with it so be it, or buy a sack of groceries or a present for a new baby or its beautiful mommy, the point is that it is my decision how the money is spent. It is my hope that you never need the policies to the extent that my family has but I can assure you that if you ever do you will not be sorry that you applied for the policies. I cannot put into words what it means to me and my family knowing that financially we will survive this crisis and the cold truth is that without our Aflac insurance policies, we would not. Even with the good primary insurance that we have, the cost of chemotherapy, surgery, travel, radiation and doctor visits would quickly overwhelm us." ***


*** "I'm writing you this letter to let you know how much my husband and I love the Aflac cancer, hospital intensive care, dental, accident, and specified health event insurance policies we have. Before I applied for the policies, my husband was really against us having anymore insurance policies. When I gave him the informational brochures about each policy, he was totally convinced we needed Aflac, since I’m planning on retiring within the next couple of years. Just knowing that when I leave my job, our policies will stay in force and there will not be a price increase, puts us at ease. The thing that really thrills both of us is how fast the claims are processed!!! Our dentist’s office also loves how quickly they are paid for services!! The best feature is that the yearly Wellness Benefit claims are automatically sent to you and they are simple to fill out!!! On a couple of occasions, I’ve called Aflac customer service, and am so pleased at the service I’ve received. With everything being so impersonal and automated, these days, it is a pleasure actually speaking to a human being, who actually cares about the customers. Thank you so much. I hope everybody has the opportunity to really understand what “supplemental” insurance is all about, and how affordable and important it is!" ***


*** "I just wanted to take the time to write a letter about my experience with Aflac. I had an accident at work and injured my right ankle. I was unable to work for 3 months and had only my husband’s income coming in. The benefits I received from Aflac’s accident insurance policy helped me pay my bills on time. Now I just had a baby and I am on maternity leave. Once again Aflac is helping me and my family. Thank you Aflac for everything. I recommend that everyone apply for Aflac insurance because you never know what could happen." ***


*** "I applied for my first policy in 1998. I was young and single and for the most part a very healthy man. I didn’t know much about Aflac at the time, but my older, wiser co-workers were applying for policies and it seemed to me that a little extra insurance couldn’t hurt. So, I applied for an accident insurance policy, a hospital confinement sickness indemnity insurance policy, and a cancer insurance policy. I never filed a claim until the end of the year and when it was all said and done, Aflac sent me a benefit check for wellness benefits and a trip to the emergency room.
I not only maintained these policies but added to them. My agent convinced me to apply for a disability rider on my accident insurance policy. It was very inexpensive and I still have it today. I have never used it but since I developed diabetes I could never get another one. So I can never let this one go. The point is that I now have disability coverage that I never thought I would need and at this point in my life could never get again. The next big event in my life was getting married and having kids. I never knew that wives and kids spent so much time at doctors!! I upgraded my policies and Aflac just sends me a benefit check every time we file a covered claim. I filed a claim on my accident insurance policy when my little girl fell off the bed and we took her to the emergency room. My hospital confinement indemnity insurance policy paid benefits each time my children were born.
Then, last December, we got the worst news any man can get…my wife had cancer. Our lives as we knew them stopped. Doctors and hospitals became the priorities. My wife had to discontinue her work and I was taking more time off than I had to take off. We found out what it was like to travel with a car full of kids to a far off city and spend days at a time there. Needless to say, money concerns hit us full force. Imagine facing Christmas knowing that you really need every penny you are spending on gifts for your kids to pay bills and expenses. Take it from me, it is heart wrenching. I consider myself a pretty sharp guy but it seems every time I file a claim with Aflac and I’m telling them what this recent situation qualifies for, they find another benefit that I overlooked.
I can assure you that in my eight plus years of dealing with Aflac my negative experiences have been practically non-existent and the level of service is unmatched.
Thank you for giving me the opportunity to address you today. I hope that you decide to apply for an Aflac insurance policy for your family. It is a peace of mind you will not regret." ***


*** "...There were some tough times for me financially and many times I thought about cancelling my Aflac policies. Thank God I never did! My Aflac agent kept reminding me to file claims on my annual wellness benefits and her presence and her caring ways always made me happy that I never made that phone call to Aflac to cancel my policies. Then the unthinkable happened. I found myself in the emergency room, suffering from a heart attack!!! When you’re in the middle of a life altering moment, there’s two things you’re thinking about: will I be okay health wise and what’s going to happen to me financially? Well, I’m happy to say that I’m healthy both physically and financially, the latter due to my Aflac specified health event insurance policy. My agent would take my paper work, file my claims and deliver my benefit check, usually in a week!!! Aflac is absolutely the best decision I have ever made, and I will NEVER be without it!! Thank you Aflac for all you do!" ***


*** "...We are SO glad that we decided to apply for the Aflac hospital intensive care insurance policy. You have no idea how much the benefits helped. Our baby was born 5 weeks premature, and spent the first 15 days of her life in the Neo-Natal Intensive Care Unit." ***


*** "I was afraid the paperwork would be too time consuming or confusing to fill out with a new child but I found that was not true. The claims forms were very simplistic and required only the necessary information. I received a benefit check in the mail for my stay in the hospital for much more than expected with NO QUESTIONS asked. Aflac is by far the best insurance company around." ***

*** "After hearing about Aflac for so many years, I enrolled through my work's insurance program. When I sat through the presentation, I was impressed with choices I was offered to fit my family's individual needs. Shortly after I was a member, my son became ill and needed to hospitalized for a few days after being taken to the Emergency Room. I have to admit, I was overwhelmed with the experience of having a child in the hospital, in addition to all of the new information I was required to know in order to take care of my son at home. I reported back to my company's Human Resources Director about my experience with Aflac, a wonderful service at a time when I needed it the most." ***