Aflac Insurance Review 2026Employees who want cash-benefit supplemental coverage to fill gaps left by major medical insurance.
Aflac is a supplemental insurance company founded in 1955 and headquartered in Columbus, Georgia. It is best known for cash-benefit policies — accident, critical illness, hospital indemnity, short-term disability, and cancer coverage — sold largely through employers. These policies pay you directly to help with costs that major medical insurance doesn't cover, not as a replacement for health insurance.
Aflac at a Glance
Founded
1955
Headquarters
Columbus, GA
AM Best (financial strength)
Varies
Coverage & Products
- ✓Accident insurance
- ✓Critical illness insurance
- ✓Hospital indemnity insurance
- ✓Short-term disability insurance
- ✓Cancer/specified-disease insurance
- ✓Dental & vision insurance
Plan Features
Pros
- +Fast claims and direct cash benefits
- +Widely available through employers
- +Fills out-of-pocket gaps major medical leaves
Cons
- −Supplemental only — not a substitute for health insurance
- −Benefits are fixed cash amounts, not cost reimbursement
- −Value depends heavily on whether you use the coverage
Aflac — Frequently Asked Questions
Is Aflac a financially strong insurance company?
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Financial-strength ratings for Aflac vary by underwriting entity — many large insurers write through multiple subsidiaries, each rated separately. Ask which company underwrites your specific policy and check that entity's A.M. Best rating directly.
How is Aflac's complaint record?
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The NAIC Complaint Index is published primarily for property-and-casualty lines; for Aflac, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
How do I get a quote or contact Aflac?
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You can request a quote or reach Aflac at aflac.com. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
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Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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