Aflac vs. American Family Life Insurance Company [2023]

Much of life can be planned from the college degree obtained to the career path chosen to the person married. However, things such as illness, injury and job loss cannot be planned, and the uncertainty of the these things that we cannot control can leave us with many questions.

Fortunately, it is possible for a person to deal with these unexpected circumstances. Having the proper insurance provider can mean the difference between reaching life goals in a reasonable period of time or becoming completely bogged down and out of balance with what you want to achieve, and when.

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AFLAC Overview

One company that provides insurance for the average family is AFLAC. While major medical insurance pays for doctors and hospitals, the employees at AFLAC know that many other expenses are involved when a person experiences illness or injury.

They also understand that funds need to be available when a person’s medical needs affect his ability to work. AFLAC offers supplemental dental insurance to keep financial concerns to a minimum when the unexpected happens.

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American Family Life Insurance Company Overview

American Family provides a broad range of insurance policies that go beyond just health care. While it does offer health and life insurance; this company also provides additional coverages for automobiles, homes and other possessions, offering potential customers the peace of mind knowing the variety of coverage options and insurance products available.

American Family describes itself as a “service-driven insurance company”, and employs over 3,500 independent contractor agents across the country to meet the expected affordability in mind among its policy holders. It also offers plans to ensure financial security during the retirement years.

Types of Policies AFLAC Offers

1. Short Term Care Policies

• • Accident

Instead of paying a provider directly, AFLAC pays cash to the policy holder in case of an accident. Although medical expenses are involved when an accident occurs, there are also everyday expenses that accrue when one has been injured unexpectedly. These are covered by the policy as well.

• • Short Term Disability

Sometimes an accident or an illness can mean loss of pay at a person’s place of employment while that person recovers. AFLAC offers monthly benefits in these situations so a person can heal without the stress of financial obligations going unmet.

• • Vision and Dental

Benefits for vision care are provided through AFLAC. Routine dental care can also be covered through AFLAC. Prevention is the best policy, so AFLAC provides coverage for cleanings and exams.

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2. Long Term Care Policies

• • Cancer

The employees at AFLAC understand how frightening a cancer diagnosis can be. Their goal is to give cancer patients the best chance possible to fight the disease. They offer insurance coverage and a lump sum at time of diagnosis to ease the financial burden that often accompanies long term care.

• • Critical Illness

Not all debilitating illnesses result from cancer. AFLAC offers two types of benefits for those who suffer a malady such as a heart attack or a stroke. At the beginning of the illness, the company provides a lump sum to cover the extra expenses accrued. To aid in recovery, they offer Critical Care and Recovery Insurance payable in cash directly to the policy holder.

• • Hospital Stays

At some point, almost every American will have to be in the hospital. Whether the hospital stay lasts a few days or a few weeks, expenses add up quickly. AFLAC provides coverage for those who must stay in the hospital due to an illness or other reason. The company offers an additional type of policy for those who need to stay in the pricier Intensive Care Unit.

3. Life Insurance

AFLAC offers several types of life insurance to care for family members when a policy holder is gone. Whole life is available for those who want access to the funds at an earlier date, and term life is available for those who only need insurance for their working years. AFLAC provides a separate policy for children called Juvenile Life Insurance. Although no one wants to think of the possibility of losing a child, a policy would be of great benefit in affording burial costs.

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1. Possessions

Everyone owns things that would be costly to replace. American Family provides coverage for just about all major purchases. The company’s automobile insurance policy has many discounts available such as a good driver discount and a discount for having an air bag in the car.

They offer home insurance as well as business insurance for the small business owner. If a person’s home is their business, they even have a separate policy for Farm and Ranch Insurance. Just in case these policies do not cover all the essentials, American Family provides an Umbrella policy for what they call “an extra layer of protection.”

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2. Personal

While many have peace of mind in knowing their possessions are covered by insurance, personal health and well-being is something that cannot be purchased. American Family offers a variety of medical plans for accidents, injury, hospitalization and surgery. They also have a Medicare Supplement Plan for those costs that Medicare does not cover. American Family helps people to prepare for their retirement years with an array of annuity products.

3. Life

American Family has many options for life insurance. Besides the term life and whole life insurance plans typical of other companies, they offer universal life insurance. For those that hold auto and homeowner policies with American Family, there is also a plan called Simply Protected Life Insurance.

Similarities in the Two Companies

Both AFLAC and American Family are reputable and well-known insurance companies. They are both committed to protecting financial interests of their customers. Both companies offer life insurance policies.

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Differences in the Two Companies

AFLAC is primarily a supplemental insurance company. The focus of this company’s policies is on health since most of its policies revolve around medical insurance needs. AFLAC offers several specialized plans for different health scenarios. American Family, on the other hand, has a broader focus. They specialize in offering a wide variety of insurance types, not just health insurance.

How to Choose the Best Company for a Customer’s Needs

One of the simplest ways to choose between these two companies, is for the customer to ask what type of insurance is primarily needed. If health care is a concern, AFLAC offers many more options. If one needs to insure a house or a car, AFLAC cannot help. When shopping for life insurance, a person must ask if any special policies are needed, such as AFLAC’s juvenile plan or American Family’s universal life policy.

With competent companies like these available to consumers today, the only planning that is needed is deciding which company and which policy is best for a particular family. With thoughtful foresight while purchasing insurance, policy owners can be better prepared for those unexpected emergencies of life.

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