¹Average American Income: $55,775. Reference: US Household Income, US Department of Numbers, 2017. http://www.deptofnumbers.com/income/us/.

²Average age: 63. Reference: Average Retirement Age in the United States, Dana Anspach. August 12, 2019. https://www.thebalance.com/average-retirement-age-in-the-united-states-2388864.

³Average Debt: $136,206. Reference: 2018 American Household Credit Card Debt Study, Claire Tsosie and Erin El Issa. December 10, 2018. https://www.nerdwallet.com/blog/average-credit-card-debt-household/.

⁴Average: $101,160 (public four-year, in-state 4 years @ 25,290/yr). Reference: "Average Cost of College in America: 2019 Report" https://www.valuepenguin.com/student-loans/average-cost-of-college.

⁵Average: $11,700. Reference: Here’s how much money Americans have in savings at every income level, Kathleen Elkins. September 27, 2018. https://www.cnbc.com/2018/09/27/heres-how-much-money-americans-have-in-savings-at-every-income-level.html.

⁶Average: $107,000. Reference: The Average Retirement Savings by Age, Tim Parker. February 1, 2019. https://www.investopedia.com/articles/personal-finance/011216/average-retirement-savings-age-2016.asp.

⁷Average: $7,181. Reference: How much does the average funeral cost?, Amelia Josephson. May 21, 2018. https://smartasset.com/life-insurance/how-much-does-the-average-funeral-cost.

⁸Assumes the average cost of a gallon of gasoline is $2.77*. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates industry Class A; Aflac Life Solutions WHOLE LIFE POLICY - Series A68100; Female non-smoker age 18-21. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Bureau of Labor Statistics, July 2019.

In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400. Coverage may not be available in all states including but not limited to New York. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. Coverage is underwritten by American Family Life Assurance Company of Columbus.

A68000 SERIES - WHOLE LIFE ONLY

Limitations and Exclusions for residents of Arizona:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

1. If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
2. If the owner is required by law to accelerate benefits to meet the claims of creditors,
3. If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement, or
4. If the policy is being continued as reduced paid-up life insurance or extended-term life insurance.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

1. Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
2. War, or any act of war, declared or undeclared, or any act incident thereto;
3. Active participation in a riot, insurrection or terrorist activity;
4. Committing or attempting to commit a felony;
5. Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
6. Intoxication, as defined by the jurisdiction where the total disability occurred; or
7. Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
3. Participation in an illegal occupation or activity;
4. Active participation in a riot, insurrection or terrorist activity;
5. Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
6. Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
7. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
8. Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
9. Intoxication as defined by the jurisdiction where the accident occurred; or
10. Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.

A68000 SERIES - TERM LIFE ONLY

Limitations and Exclusions for residents of Arizona:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

1. If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
2. If the owner is required by law to accelerate benefits to meet the claims of creditors, or
3. If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

1. Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
2. War, or any act of war, declared or undeclared, or any act incident thereto;
3. Active participation in a riot, insurrection or terrorist activity;
4. Committing or attempting to commit a felony;
5. Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
6. Intoxication, as defined by the jurisdiction where the total disability occurred; or
7. Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
3. Participation in an illegal occupation or activity;
4. Active participation in a riot, insurrection or terrorist activity;
5. Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
6. Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
7. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
8. Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
9. Intoxication as defined by the jurisdiction where the accident occurred; or
10. Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.

A68000 SERIES – WHOLE LIFE ONLY

Limitations and Exclusions for residents of Idaho, New Jersey and Virginia:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

1. If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
2. If the owner is required by law to accelerate benefits to meet the claims of creditors,
3. If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement, or
4. If the policy is being continued as reduced paid-up life insurance or extended-term life insurance.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

1. Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
2. War, or any act of war, declared or undeclared, or any act incident thereto;
3. Active participation in a riot, insurrection or terrorist activity;
4. Committing or attempting to commit a felony;
5. Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
6. Intoxication, as defined by the jurisdiction where the total disability occurred; or
7. Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
3. Participation in an illegal occupation or activity;
4. Active participation in a riot, insurrection or terrorist activity;
5. Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
6. Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
7. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
8. Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
9. Intoxication as defined by the jurisdiction where the accident occurred; or
10. Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.

A68000 SERIES – TERM LIFE ONLY

Limitations and Exclusions for residents of Idaho, New Jersey, and Virginia:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

1. If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
2. If the owner is required by law to accelerate benefits to meet the claims of creditors, or
3. If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

1. Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
2. War, or any act of war, declared or undeclared, or any act incident thereto;
3. Active participation in a riot, insurrection or terrorist activity;
4. Committing or attempting to commit a felony;
5. Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
6. Intoxication, as defined by the jurisdiction where the total disability occurred; or
7. Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
3. Participation in an illegal occupation or activity;
4. Active participation in a riot, insurrection or terrorist activity;
5. Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
6. Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
7. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
8. Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
9. Intoxication as defined by the jurisdiction where the accident occurred; or
10. Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.