1 ACCIDENT INDEMNITY ADVANTAGE – A35000 SERIES

In Arkansas, Policies A35100AR-A35200AR, & A35B24AR. In Idaho, Policies A35100ID-A35200ID, & A35B24ID. In New York, Policies NY35100-NY35400, NY35B24, & NYB35OF. In Oklahoma, Policies A35100OK-A35200OK, & A35B24OK. In Oregon, Policies A35100OR-A35400OR, A35B24OR, & A35BOFOR. In Pennsylvania, Policies A35100PA-A35200PA, & A35B24PA. In Texas, Policies A35100TX-A35200TX, & A35B24TX. In Virginia, Policies A35100VA-A35400VA, A35B24VA, & A35BOFVA. This is a brief product overview only. Coverage may not be available in all states. 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. For costs and complete details of the coverage, please contact your local Aflac agent.

Limitations and Exclusions for residents of Arizona:

  1. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
  2. Aflac will not pay benefits for treatment or loss due to Sickness including (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure for any Sickness.
  3. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
  4. Aflac will not pay benefits for an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
    1. Participating in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a Physician and taken according to the Physician's instructions) or while intoxicated (“intoxicated” means that condition as defined by the law of the jurisdiction in which the accident occurred);
    2. Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a Physician and taken according to the Physician’s instructions) or voluntarily taking any kind of poison or inhaling any kind of gas or fumes;
    3. Participating in, or attempting to participate in, an illegal activity that is defined as a felony (“felony” is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any type penal institution;
    4. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
    5. Having cosmetic surgery or other elective procedures that are not Medically Necessary;
    6. Having dental treatment except as a result of Injury;
    7. Being exposed to war or any act of war, declared or undeclared; or
    8. Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve.

Limitations and Exclusions for residents of Idaho:

  1. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
  2. Aflac will not pay benefits for an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
    1. Alcoholism or drug addiction;
    2. Participating in a felony, whether charged or not (“felony” is as defined by the law of the jurisdiction in which the activity takes place);
    3. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
    4. Having cosmetic surgery that is not Medically Necessary (except that “cosmetic surgery” shall not include reconstructive surgery when the service is incidental to or follows surgery resulting from trauma and reconstructive surgery because of Congenital Anomaly or disease of the covered Dependent Child);
    5. Having dental treatment except as a result of Injury;
    6. Being exposed to war or any act of war, declared or undeclared; or
    7. Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve.

Limitations and Exclusions for residents of New Jersey:

  1. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
  2. Aflac will not pay benefits for treatment or loss due to Sickness including (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure for any Sickness.
  3. Aflac will not pay benefits for an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
    1. Participating in any activity or event, including the operation of a vehicle, while intoxicated or under the influence of any narcotic unless administered on the advice of a Physician and taken according to the Physician's instructions (the term “intoxicated” refers to that condition as defined by the law of the jurisdiction in which the Injury or cause of loss occurred);
    2. Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a Physician and taken according to the Physician’s instructions) or voluntarily taking any kind of poison or inhaling any kind of gas or fumes;
    3. Attempting to commit or committing a felony or being engaged in an illegal occupation;
    4. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
    5. Having cosmetic surgery, except reconstructive surgery when such service is incidental to or follows surgery resulting from trauma;
    6. Having dental care or treatment except as a result of Injury;
    7. Being involved in war or any act of war, declared or undeclared; or
    8. Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve. (We will return the premium paid during such service, and upon termination of military service, you have the right to renew coverage.)

Limitations and Exclusions for residents of Virginia:

  1. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
  2. Aflac will not pay benefits for treatment or loss due to Sickness including (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure for any Sickness.
  3. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
  4. Aflac will not pay benefits for an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
    1. 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);
    2. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
    3. Having cosmetic surgery or other elective procedures that are not Medically Necessary (cosmetic surgery shall not include reconstructive surgery when such service is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly of a covered dependent child which has resulted in a functional defect);
    4. Having dental treatment except as a result of Injury;
    5. Being exposed to war or any act of war, declared or undeclared; or actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve. (Aflac will upon receipt of written notice of military service, refund all premiums as is applicable to such persons on a pro rata basis.

2 Broken Leg Diagnosis & Treatment, Mayo Clinic, July 1, 2020.
https://www.mayoclinic.org/diseases-conditions/broken-leg/diagnosis-treatment/drc-20370416.

Costs of diagnosis and treatment(s) are based on:

Transport - Ambulance Ride(1): $366.00
Source: http://cost-finder.com/what-is-the-cost-of-ambulance-transport/.

ER - ER Visit (1): $1,389.00
Source: https://www.debt.org/medical/emergency-room-urgent-care-costs/.

Diagnostic - X-Ray (1): $240.00
Source: https://www.newchoicehealth.com/procedures/leg-x-ray.

Treatment - Open reduction surgery (1): $3,655.00
Source: https://www.alliedacademies.org/articles/the-cost-of-quality-open-reduction-and-internal-fixation-techniques-versus-percutaneous-kwire-fixation-in-the-management-of-extraa.html.

Post-Treatment - Walking cast (1): $226.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails?cftId=345&directsearch=true.

Post-Treatment - Crutches (1 set): $228.00
Source: https://health.costhelper.com/crutches.html.

Wellness Maintenance - Doctor Visit (3): $645.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/225?directsearch=true&tab=ShopForCare.

Wellness Maintenance - Physical Therapy (7 visits): $525.00
Source: https://thervo.com/costs/physical-therapy-cost.

Total Cost: $7,274.00

3 The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources.

4 SHORT-TERM DISABILITY – A57600 SERIES. In Arkansas, Policies A57600AR, A57600LBAR. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK, A57600LBOK. In Oregon, Policies A57600OR, A57600LBOR. In Pennsylvania, Policies A57600PA, A57600LBPA. In Texas, Policies A57600TX, A57600LBTX. In Virginia, Policies A57600VA, A57600LBVA. This is a brief product overview only. Coverage may not be available in all states. 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. For costs and complete details of the coverage, please contact your local Aflac agent.

5 AFLAC LUMP SUM CRITICAL ILLNESS INSURANCE – B71000 SERIES. In Arkansas, Policies B71100AR & B7110HAR. In Oklahoma, Policies B71100OK & B7110HOK. In Oregon, Policies B71100OR & B7110HOR. In Pennsylvania, Policies B71100PA & B7110HPA. This is a brief product overview only. Coverage may not be available in all states including but not limited to: ID, NJ, NY & VA. Benefits and/or premiums may vary based on the state and benefit option selected. Riders are available for an additional premium. The policy has limitations, exclusions and pre-existing condition limitations that may affect benefits payable. The policy may contain a waiting period. Refer to the policy for benefit details, definitions, limitations and exclusions. For costs and complete details of the coverage, contact your Aflac insurance agent/producer.

6 LIFE A68000 SERIES – WHOLE & TERM LIFE. In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400 and Riders: ICC1368050, ICC1368051, ICC1368052, ICC1368053, ICC1368054, ICC1368055. This is a brief product overview only. Coverage may not be available in all states, including 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. For costs and complete details of the coverage, please contact your local Aflac agent.

7 Kaiser Family Foundation. Cost of Health Insurance. Published October 8, 2020. Accessed May 21, 2021. https://www.kff.org/report-section/ehbs-2020-section-1-cost-of-health-insurance/#:~:text=The%20average%20premium%20for%20single,2010%20and%2022%25%20since%202015.

8 Assumes the average cost of a package of adhesive bandages is $5**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry Class B, Accident Indemnity Advantage 24-hour accident essentials - Series A-35B24; Individual Age 18-70. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits. **Source: cvs.com, 2020.

9 Science Direct. Thermal Burn. Published June 2020. Accessed May 21, 2020. https://www.sciencedirect.com/science/article/pii/S0305417919304899.

10 Cost Helper Health. Fractured Ankle. Accessed May 21, 2021. https://health.costhelper.com/sprained-broken-ankle.html#:~:text=How%20Much%20Does%20a%20Sprained%20or%20Broken%20Ankle%20Cost%3F&text=Typical%20costs%3A,a%20fracture%20requiring%20a%20cast.

11 Future Medicine. Concussion. Published October 28, 2020. Accessed May 21, 2021. https://www.futuremedicine.com/doi/10.2217/cnc-2020-0012.

12 Health Grades. ACL Tear. Published August 4, 2020. Accessed May 21, 2021. https://www.healthgrades.com/right-care/acl-surgery/how-much-does-acl-surgery-cost#:~:text=According%20to%20Guroo.com%20(a,cost%20of%20your%20ACL%20surgery.