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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

Small businesses like how easy it is to add voluntary coverage to their benefits package at no direct cost.

Here’s how: Through affordable premiums, our plans 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 keep their focus on their jobs.

Employee Productivity

More than 50 percent of employees wish their employer offered voluntary insurance.*

Here’s why:  Our supplemental plans help to build employee confidence by rounding out what major medical doesn’t provide. 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 by rounding out what major medical doesn’t provide. Employees will have more confidence knowing Aflac’s supplemental coverage will help them in case of an illness or accident.

Benefits Estimator

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

Aflac pays cash to help with unexpected out-of-pocket costs, which can keep your employees and their families financially secure.

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