What is Life Insurance?

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 options 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.

Juvenile life insurance
Provides a death benefit up to the age of 25, when the policy can be converted to a whole life policy.  

Life Insurance Riders
To cover children, these may be added to Aflac's term and whole life 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 stability you and your loved ones can count on.
Did you know?

Did you know?

  • In the United States, approximately 44 percent of all U.S. households (48 million) either do not own life insurance and believe they should, or own life insurance and believe they need more.
  • About 56 percent of married parents believe their current life insurance coverage is inadequate, and 43 percent of those couples want to purchase new or additional coverage in the next year.*

*LIMRA, April 2007, Every Excuse in the Book.
 
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