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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

Our critical illness insurance can help with the treatment costs of a serious health event, so employees can focus on more important things in life–like getting better.

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No Medical Questions

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

May not be available in all states

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One Day PaySM †

Protect your employees with cash to help cover their bills in the event of sickness or injury. And now they can get their claims paid the next day.

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Coverage Options

Give your employees the options of treatment-based benefits that pay over time or lump-sum benefits paid upon initial diagnosis.

How it works2

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

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

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

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

Policyholder

$23,100

Offer Aflac to your employees

Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.

Benefits Estimator

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Average Cost of a Heart Attack

45,804

Benefits Estimator

When your 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 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

equals
Aflac duck with carton of milk