Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 2, 2020

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Aflac vs. Amalgamated Life Insurance

Insurance choices abound in today’s market. Individual needs are just that, individual, and must be taken into account in making decisions regarding a person’s insurance policies. Do you have a home, mortgage, spouse, children, or automobile? Are you healthy or have you had numerous health challenges over your lifetime? Each condition will affect your choice of insurance providers, supplemental insurances, and conditions covered.

In comparing two different insurance providers, AFLAC and Amalgamated Life, we find first that neither of the two provides basic medical care, such as routine doctor visits.

For such basic health insurance, a person must buy a policy from a medical insurer like Cigna or Blue Cross. However, AFLAC and Amalgamated Life provide other benefits, some similar and some different.

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Let us examine the two insurance providers.

The Power of AFLAC

AFLAC provides what is called supplemental health insurance, based on the idea that when you are sick or in the hospital, other costs continue. If you are out of work, the mortgage or rent must still be paid, utilities do not stop billing and your family must buy groceries and other necessities.

Many different types of policies are available, depending on your health, the amount of savings you have, and the potential for certain types of diseases or disabilities to affect the breadwinner in your household.

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Disease Specific Policies

Cancer is a disease that can be planned for with an AFLAC policy. While no one wants to get cancer, if a policyholder does need treatment for it, an AFLAC policy can increase your peace of mind.

A policy that covers transportation to and from needed chemotherapy treatments or radiation, for example, makes getting what the patient needs easier, less costly and less troublesome. Medical deductibles may be covered under any of AFLAC’s policies as well as other expenses.

Lump Sum Cancer & Critical Illness Payments

If someone in your family is diagnosed with cancer, this policy provides a pre-defined lump sum of cash to help you fight the disease in any way you see fit. The same applies to any critical illness, such as stroke, heart attack or paralysis.

Critical Care and Recovery Policies

When the policyholder is hospitalized due to a heart attack or stroke, AFLAC steps in and helps take care of your family’s ongoing costs, as well as helping with the costs of care.

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Other Policies Available Through AFLAC

Accident, Dental, Life and Juvenile Life policies are all available to individual policy members; Short Term Disability and Vision coverage are also available through a person’s employer.

Amalgamated Life Insurance Offers Other Benefits

Amalgamated is also not a direct medical insurance provider, and insures primarily union workers; benefits are administered by the unions themselves.

In addition, through the Amalgamated family of companies, other entities like Alicare, administer employee benefit plans while another, Amalgamated Agency, offers plans to cover conditions as diverse as medical malpractice and auto insurance. Another in this family of companies, Aligraphics, even offers competitive union printing of projects of all sizes.

Clearly, Amalgamated Life offers more than just life insurance. But you should know that the group life plan, for actively working members, can be converted to an individual policy upon retirement, with no additional medical underwriting. Such life policies can include coverage for spouse and children, as well as supplementary benefits, on a contributory basis.

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Accidental Death and Dismemberment Insurance

If a policyholder is paralyzed or suffers other severe injury, or even accidental death on the job, this coverage provides help to the insured and his or her family by offering up to the entire amount in force on the insured’s basic life coverage.

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Disability Insurance at Amalgamated

Both types of disability insurance (short- and long-term) are available to group members, just like AFLAC. However, Amalgamated group members also receive income protection for events that are experienced in the normal course of life, such as accident, illness and even pregnancy.

At Amalgamated, such disabilities need not come from work-related events. Long-term disabilities, again, not necessarily work-related, see benefits and duration tailored to the individual’s needs, up to five years.

Both types of disability insurance are available as contributory or non-contributory.

Voluntary Insurance at Amalgamated

Voluntary insurance is purchased in addition to an employee’s group related insurance through Amalgamated. These programs can include a worker’s spouse and children, making them very useful. The worker can also add a critical illness benefit.

Critical Illness Protection

Here a lump sum is offered to the policyholder whenever he or she is diagnosed with cancer, stroke, heart attack, coma, paralysis, kidney failure or organ transplant. It also is offered in case of a hospital stay of thirty consecutive days.

An Amalgamated Critical Illness benefit reduces the death benefit by the same amount; the life benefit amount is restored two years after the employee returns to full time employment.

Amalgamated will be including voluntary Vision, Dental, and Accident insurance in the future. Retirement benefits are also available.

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AFLAC

  • Cash for expenses when you are out of work due to illness
  • Offered through the employer
  • Disease specific policies
  • Lump sums for certain conditions
  • Life and juvenile life, disability, vision, accident and dental policies

Amalgamated

  • Administered by unions for union workers
  • Life policies available for worker and families
  • Accidental Death and Dismemberment policies
  • Disability, both short- and long-term
  • Lump sum critical illness payments
  • Retirement benefits

The Choice is Yours

Comparing these two companies is rather like comparing two completely unlike programs. A person could opt for both programs, in order to be completely covered. A union worker in one or more of the Amalgamated insurance programs could certainly benefit from the cash provided by a supplemental medical program like AFLAC.

While it is clear that both insurance providers cover some of the possible needs a policyholder may have over his or her lifetime, it is vital that a person think over carefully all the ramifications of any plan being considered.

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