What is Life Insurance?

Aflac 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 policy may remain in force for a lifetime, as long as the premiums are paid.

Term Life Insurance Riders
To cover your spouse or children, a rider may be added to Aflac's term or whole life insurance policies. 
Who should think about life insurance?

Who should think about life insurance?

If someone depends on you, you need life insurance. The question is: How much life insurance coverage do you need? The amount varies by age, income and level of responsibility, but it's essential protection for your loved ones.


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.
Did you know?

Did you know?

About 41% of American adults are uninsured. Two-thirds of uninsured households say they need more life insurance.*

Why do people purchase life insurance?**
· 56% to pay burial and final expenses
· 40% to replace income
· 35% to pay off a mortgage

*Cheryl D. Retzloff, LLIF, ACS, Person-Level Trends in U.S. Life Insurance Ownership, LIMRA, 2011, p. 8.
**James O. Mitchel, Ph.D., CEBS, 2011 Insurance Barometer Study, LIMRA, p.11.


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For details about a plan available from Aflac, please select your state of residence. Other plans may be available in your state.