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Aflac Life Insurance can provide financial security for your loved ones. Get the added peace of mind of knowing you’ve taken care of your family.
Start My QuoteLife insurance is a policy that can help provide a financial safety net to loved ones after you pass away. In exchange for regular premium payments, your beneficiaries will receive a designated sum, known as the death benefit, upon your passing. Aflac term and whole life insurance policies offer competitive coverage that can help give policyholders peace of mind.
For example, you choose Aflac Life Insurance coverage for $50,000.
Aflac offers term life, whole life, and final expense life insurance policies.
Your policy stays active as long as you make payments.
Up to $112,500 is payable to your beneficiary.
Aflac offers term life, whole life, and final expense life insurance policies to meet your specific needs.
Guaranteed-issue is available for select products, which means no underwriting questions. May not be available in all states.
Coverage shouldn't be limited by where a person works or if they're retired. Aflac coverage goes wherever the policy holder goes.
When you help protect a child's future with financial security it means more opportunities for them to succeed.
The Aflac Life Insurance Calculator can help estimate the amount of life insurance coverage you'll need to keep your loved ones financially secure.
Launch the Calculator →
Aflac offers a few types of life insurance policies, including:
Whole life insurance can provide insurance for your entire life as long as you pay all your premiums. Generally, it includes a death benefit and cash value, which accrues interest at a fixed rate. Your beneficiaries can claim the death benefit upon your passing.
Term life insurance can guarantee financial protection for your family over a specific time period, such as 10 to 30 years. If you purchase term life insurance and pass away before the term comes to an end, your beneficiaries may collect the death benefit. Compared to other types of life policies, term life insurance often comes with reasonable premiums, but it doesn't last forever.
Final expense life insurance is a more affordable policy that pays a smaller death benefit intended to cover only an individual’s final expenses, such as a funeral or healthcare costs.
The type of life insurance policy you should choose depends on how much you want to pay and how long you'd like your coverage to last. If you're looking for coverage with comparable rates and that will last for several years or decades, term life insurance may be your best bet. However, if you don't mind paying more for lifetime coverage, consider applying for whole life insurance.
Life insurance rates can depend on several factors, like your age, medical history, nicotine use, lifestyle, and the type of policy you choose. In general, the healthier and younger you are, the more competitive your policy premiums will be.
When getting a life insurance policy, it's crucial to consider how much coverage you should secure. While it's common for a policyholder to get coverage worth several times their salary, your individual needs may vary greatly depending on your family's financial situation and your personal financial goals. Consider working with a financial advisor who can help you calculate the appropriate amount of coverage that is best for you.
Life insurance can help protect your loved ones from financial hardship in the event you pass away unexpectedly. A death benefit can help your beneficiaries:
While no amount of money can ease the grief of losing a loved one, life insurance can help reduce the financial burden your family members may face after you pass.
It may be in your best interest to obtain life insurance as soon as possible, especially if you have dependents. The younger you are when you purchase a policy, the more reasonable your premiums will typically be. If you wait until you're older, you may have to settle for higher rates.
If you're the breadwinner and your family depends on your income, a life insurance policy can be important. It's also worthwhile if you have children or own a home. And if you're a stay-at-home parent, a life insurance policy should be on your radar, as in the event of your passing it can help cover the cost of childcare, household duties, and other responsibilities you have.
The general rule of thumb is to purchase a life insurance policy that's at least several times your annual salary. Even if your employer provides life insurance, you may need additional coverage. This is because many group life insurance policies can be capped at one or two times your annual income.
While both individual life insurance and group life insurance serve the main purpose of providing a death benefit to beneficiaries, there are some key differences to take note of. Group life insurance is a type of coverage that's typically provided as part of an employee benefits package, while individual life insurance is a policy you can obtain on your own directly from a life insurance company.
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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)
Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.
Aflac Worldwide Headquarters | Columbus, GA
Aflac Group | Columbia, SC
American Family Life Assurance Company of New York | Albany, NY
Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.
Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)
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