1 The Facts of Life and Annuities: 2019 Update, LIMRA, January 7th, 2020. https://www.limra.com/en/research/research-abstracts/2020/the-facts-of-life-and-annuities-2019-update/.

2 JUVENILE LIFE 65000 & B61000 SERIES – WHOLE & TERM LIFE

Aflac Juvenile Life Insurance - Policy Series 65000: In Idaho, Oklahoma, Pennsylvania, Texas and Virginia, Policies ICC0965JTO and ICC0965JWO; Policy Series B61000: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. Coverage may not be available in all states, including but not limited to NY. The policies have limitations and exclusions that may affect benefits payable. For costs, complete details of the coverage and for policies available in your state, please contact your local Aflac agent.

3 The above example is based on a scenario for 20‐year term life insurance (domicile state) that includes the following benefit conditions: $50,000 death benefit, $50,000 accidental death benefit, and $12,500 seatbelt benefit. Benefits may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a “How It Works” scenario customized for your state.

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.

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:

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

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

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:

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

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

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:

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

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

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:

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

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

4 Assumes the average cost of a gallon of gasoline is $2.08*. 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, June 2020.