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Learn about individual policies.
For companies with fewer than three employees, please check out our individual and family coverage. Learn more.

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Supplemental Insurance

Aflac supplemental insurance provides an additional level of financial protection for your employees and their families in the event of a serious accident or illness.

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Controlling Costs

Here’s how: Through affordable premiums, our policies help manage health care-related costs that can be overwhelming for you and your employees. We provide employees cash benefits to help pay for those out-of-pocket costs, at no direct cost to your business.

Managing the Impact of Health Care Reform

In this changing health care landscape, Aflac offers products that help strengthen your employee’s medical coverage (to help with expenses they’re not prepared to pay).

Here’s how: We pay cash benefits regardless of any other insurance coverage your employees have in place, including policies available through government health care exchanges. By providing your employees with the resources to keep their minds off of their finances, you can help keep their focus on their jobs.

Employee Productivity

81 percent of employees see a growing need for voluntary insurance benefits.*

Here’s why:  Our supplemental policies help with out of pocket expenses that may not be covered by major medical insurance. These voluntary insurance plans can raise levels of job satisfaction and help people feel more financially prepared to cope with possible life events.*

Attracting and Retaining Talent

Having a strong benefits package is key to attracting employees.

Here’s how:  Aflac policies help boost your benefits because it complements your major medical insurance coverage. Employees will have more confidence knowing Aflac’s supplemental coverage will help them in the event of a covered illness or accident.

How could an accident impact your lifestyle?

The average cost of a broken leg is $9,300.1

After major medical coverage, you could still owe $3,720 in out-of-pocket medical expenses not covered by your insurance.2

What could a broken leg cost you?

(Based on the AVG Cost of $999.00) 3

man using smartphone

9Music Festivals
(Based on the AVG Cost of $400.00) 4

group of people at music festival

51Mobile Phone Bills
(Based on the AVG Cost of $73.00 monthly) 5

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