What is life insurance? Life insurance helps take care of your loved one's immediate and future financial needs following your death. Immediate needs can include burial/funeral expenses, uninsured medical costs and current bills and debts. Future needs could include income replacement, education plans, ongoing family obligations, emergency funds, and retirement expenses.
Aflac offers a variety of life insurance to suit every need and income:
Term life insurance
Provides a death benefit for a specific length of time, usually 20 or 30 years. Coverage expires at the end of the term.
Whole life insurance
Offers a death benefit, plus an investment component that may be collected, borrowed or used to pay the policy's premiums. The policy may remain in force for a lifetime, as long as the premiums are paid.
Term Life Insurance Riders
To cover children, a rider may be added to Aflac's term or whole life policies.
This is for illustrative purposes only. Benefits may not be available in all states.
View Plan Options
You can review all of your plans for coverage below. This is a brief overview. There may be multiple levels of the same coverage. Benefits and benefit amounts are determined by state, plan level, and type of coverage selected. Refer to the attached brochure for details on benefits, limitations, and exclusions before applying for coverage.
Term Life Insurance Policy
This insurance policy provides you coverage for a specific length of time, such as 10 years, 20 years, or 30 years. These premiums are less expensive than Whole Life but do not offer the same savings/investment feature. HSA Compatible.
Whole Life Insurance Policy
This insurance policy is designed to provide you coverage for your lifetime. Whole life policies offer guaranteed death benefits and also build tax deferred cash values making this type of policy a potential savings tool. HSA Compatible.