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Direct and indirect costs of cardiovascular diseases and stroke are estimated to total more than $316 billion.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


How could a heart attack impact your lifestyle?

The average cost of a heart attack is $125,013.3

After major medical coverage, you could still owe $50,005 in out-of-pocket medical expenses not covered by your insurance.4

What could a heart attack cost you?

(Based on the AVG Annual Cost of $999.00) 5

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16Hawaii Vacations
(Based on the AVG Cost of $3,095.00) 6

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29Ski Trips in Utah
(Based on the AVG Cost of $1,707.00) 7

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No direct cost to employers,

and affordable weekly rates as low as a gallon of milk.8

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