Help for those affected by the hurricanes | Learn More

A message from Aflac

To our policyholders in areas affected by the recent hurricanes, please know that the thoughts and prayers of everyone at Aflac are with you. We are working with government agencies that represent all declared disaster areas to ensure we do everything possible to help you. Based on that guidance, we have extended the due dates for policy premiums by 60 days for those living in places that have been declared disaster areas. If you have a question about your policy or need help, contact us at 800-992-3522. To help with the recovery, Aflac made a $500,000 donation to the American Red Cross, and our employees are making their own private contributions. Please be safe, as the care of you and your families is paramount.

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woman with a paper cut-out of a family in her hands

What do people fear more than death? The popular answer is public speaking, but a recent report1 gives a different response: lots of things. When asked their level of fear about 88 fears across topics such as crime, government, disasters, personal anxieties and technology, only 19 percent of Americans listed "dying."1

We’re not particularly scared of death, yet we’re still uncomfortable talking about life insurance. It can be a difficult conversation, but it’s one that’s worthwhile, because life insurance helps protect the financial future of your loved ones.

What is voluntary life insurance?

Voluntary insurance helps people cope with the out-of-pocket costs associated with injury, illness and death. Voluntary products are optional benefits that employers may choose to offer to employees, who usually pay the premiums.

There are two types of life insurance:

  • Term life offers a level of protection employees can choose for a specified length of time, such as 10, 20 or 30 years.
  • Whole life helps provide a lifetime of security and financial protection. It builds cash value and pays benefits for final expenses.

3 things you didn’t know about life insurance

  • In 2016, there were nearly 5 million more U.S. households that have life insurance coverage compared to 2010. However, nearly 30 percent of households remain uninsured.4
  • When calculating your need for life insurance, don’t underestimate funeral costs. The average funeral cost $7,181 in 2014. If a vault was included — a common cemetery requirement — that number rose to $8,508. And these prices don’t account for cemetery, monument or marker costs, or miscellaneous cash-advance charges such as for flowers or an obituary.5
  • Even as people are finding many of their day-to-day activities can be accomplished online, a majority of people (51 percent) still prefer to purchase life insurance in person. And 3 out of 4 of them say a major reason they would prefer to meet with a financial adviser or agent in person is so they can ask questions and get immediate answers.6

Why consider offering it?

Employers can strengthen their benefits packages and provide unparalleled support and protection for employees against potential financial needs by offering life insurance. And the policies could benefit and appeal to more employees than one might think.

Generally, a person buys life insurance to provide:

  • Financial security for a spouse and children,
  • Money for the future education of children, or
  • Added income for retirement because savings, social security and pensions are often no longer sufficient.

A common misconception is that only people who are married and/or have children need to buy life insurance, but this is a fallacy. In 2014, 60.6 million Americans lived in multigenerational households.2 Many of these individuals are financially contributing to these households, and their incomes would be missed. Similarly, single people may have siblings, nieces, nephews or other loved ones for whom they’d like to provide.

Unlike life insurance for adults, juvenile life insurance is not designed to protect against loss of income. With youth and health statistically on their side, children are much easier to insure at competitive rates. That competitive coverage will already be in place if the child should later develop health issues that could affect future insurability. Parents and grandparents who buy life insurance for children are creating a base of coverage that may be even more valuable when the child becomes an adult.

Businesses that offer voluntary life insurance are in good company: 26 percent of employers offer voluntary benefits to their employees, and 43 percent consider life insurance as an essential benefit to offer employees. Voluntary insurance is more likely to be offered at companies that say they’re growing (28 percent) than those that say they’re maintaining (23 percent) or declining (18 percent).3

Why do workers need it?

In the unfortunate event of a death in the family, millions of Americans would quickly feel the loss of not just their loved ones, but also their loved ones’ incomes.

Among households with children under 18, 4 in 10 say they would be in immediate financial trouble if a primary wage earner died today. Overall, 7 in 10 of all households said they would have trouble covering everyday living expenses after several months if the primary wage earner died.4

Why benefits are important

Most business owners understand that a strong benefits package is important for recruiting and retaining employees, and the Aflac WorkForces Report gives insight into just how important:3

  • Eighty-two percent of employees said an overall benefits package is at least somewhat important in the decision to leave their current employer.
  • Sixty percent said they’re at least somewhat likely to take a job with slightly lower pay but more robust benefits.

So, consider boosting your benefits while helping workers answer the question: How would financial matters be handled in my absence? Life insurance is the solution that gives employers a competitive edge and gives employees peace of mind and financial protection.