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Only 1-in-10 middle-income Americans feel confident in having enough savings to cover family emergencies.1

Critical Illness Insurance

With critical illness insurance, you’ll provide benefits options to help clients’ employees better cope financially—and emotionally—if a serious illness ever occurs.

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No Medical Questions

Guaranteed‐issue is available for select products, which means no underwriting questions.

May not be available in all states

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Coverage Options

Your clients’ employees can choose between treatment-based benefits that pay over time or lump- sum benefits paid upon initial diagnosis.

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HSA-Compatible Options

Offer a pre-tax saving account to supplement a variety of high deductible health plans.

How it works2

Policyholder suffers a heart attack and is transported to the hospital by ambulance.

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He has heart surgery to implant a stent and is hospitalized. After leaving the hospital, he receives physical therapy.

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Several months later, he has heart valve surgery and is hospitalized.

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Policyholder submits via Aflac SmartClaim® by 3pm and receives benefits in just a day.

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Payable to: Policyholder


Benefits Estimator

Average Cost of a Heart Attack


Benefits Estimator

If your clients’ employees are sick or injured, the costs can really start to pile up.

Aflac pays cash for those unexpected out-of-pocket costs, keeping your clients’ employees and their families financially secure.

Get The Real Cost
No direct cost to employers,

and affordable weekly rates as low as a gallon of milk.3

Aflac duck with carton of milk