Aflac vs. Assurity Life Insurance in 2025 [Head-to-Head Review]
Aflac vs. Assurity life insurance offers monthly coverage from $12 and $20 for individual policyholders, respectively. Get Aflac’s supplemental coverage plan for cash benefits on medical costs and Assurity’s simplified issue term life with no medical exam for quick approval.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Feb 27, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 27, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Pros & Cons
0 reviewsCompare Aflac vs. Assurity life insurance, featuring a supplemental coverage plan for individuals needing cash benefits, and simplified issue term life for those seeking easy approval.
Aflac’s plan provides direct cash payouts to cover medical costs from injuries. Assurity’s policy offers quick approval with no medical exam for hassle-free coverage.
Both companies deliver distinct options catering to different insurance needs. Learn about the best options for top life insurance coverage available now.
Aflac vs. Assurity Life Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 3.7 | 4.2 |
| Business Reviews | 4.0 | 4.0 |
| Claim Processing | 3.5 | 4.3 |
| Company Reputation | 4.0 | 4.4 |
| Coverage Availability | 5.0 | 4.6 |
| Coverage Value | 3.6 | 4.2 |
| Customer Satisfaction | 2.5 | 4.0 |
| Digital Experience | 4.0 | 4.2 |
| Discounts Available | 3.8 | 4.3 |
| Insurance Cost | 3.5 | 4.0 |
| Plan Personalization | 3.5 | 4.3 |
| Policy Options | 3.5 | 4.2 |
| Savings Potential | 3.6 | 4.3 |
| Aflac Review | Assurity Review |
Their specialized programs help policyholders manage unexpected expenses and secure financial protection. Use our free quote comparison tool to find the best Aflac vs. Assurity life insurance rates today.
- Aflac vs. Assurity life insurance offers distinct coverage plans
- Aflac provides cash benefits for medical costs from injuries
- Assurity offers quick approval with no medical exam for coverage
Aflac vs. Assurity Life Insurance Coverage Rate Breakdown
This table compares Aflac vs. Assurity life insurance rates across the term and whole policies. Term policies start as low as $12, while whole policies reach up to $451.
Aflac vs. Assurity Life Insurance Monthly Rates by Coverage Type & Provider
| Insurance Company | Term Policy | Whole Policy |
|---|---|---|
| $12 | $451 |
 | $20 | $394 |
 | $14 | $329 |
 | $18 | $340 |
 | $17 | $330 |
 | $14 | $329 |
 | $14 | $329 |
 | $14 | $329 |
 | $19 | $352 |
 | $14 | $329 |
Assurity offers a term plan at $20 and a whole life at $394. Other providers, such as MassMutual, State Farm, and Penn Mutual, show varying costs for both coverage types.
This table outlines Aflac vs. Assurity life insurance rates based on age and gender. Younger policyholders see lower insurance premiums, with 16-year-old females paying $35 with Aflac and $30 with Assurity.
Aflac vs. Assurity Whole Life Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $35 | $30 |
| 16-Year-Old Male | $38 | $32 |
| 30-Year-Old Female | $45 | $40 |
| 30-Year-Old Male | $48 | $42 |
| 45-Year-Old Female | $85 | $75 |
| 45-Year-Old Male | $90 | $80 |
| 60-Year-Old Female | $140 | $120 |
| 60-Year-Old Male | $150 | $130 |
Rates increase with age, reaching $150 for 60-year-old males under Aflac and $130 under Assurity. Gender also influences costs, with males generally paying higher premiums.
Discover more by reading our guide: Different Types of Life Insurance
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Insurance Business Ratings & Consumer Reviews: Aflac vs. Assurity
This table compares Aflac vs. Assurity life insurance in business ratings and consumer satisfaction. Aflac scores 845/1,000 on J.D. Power, surpassing Assurity’s 810/1,000. Understand how can you have multiple life insurance policies works for coverage.
Insurance Business Ratings & Consumer Reviews: Aflac vs. Assurity
| |
|
|---|---|---|
 | Score: 845 / 1,000 Avg. Satisfaction | Score: 810 / 1,000 Above Average Customer Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 79 / 100 Good Customer Feedback | Score: 79 / 100 Good Customer Feedback |
 | Score: 1.12 More Complaints Than Avg. | Score: 0.13 Fewer Complaints Than Avg. |
 | Score: A+ Superior Financial Strength | Score: A- Excellent Financial Strength |
Aflac has an A+ rating for business practices, while Assurity earns an A- for financial strength. Complaint data shows Aflac reports 1.12, above average, while Assurity scores 0.13, indicating fewer complaints.
This table highlights the Aflac vs. Assurity life insurance market share compared to competitors. Aflac holds 3.5%, while Assurity controls 1.8%, leaving 94.7% to other insurers. Despite smaller shares, both companies maintain a strong brand presence.
Comment
byu/MadameCassandra11235 from discussion
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One Reddit user has discussed their experience with Aflac. This underlines how Aflac helps cover out-of-pocket costs along with primary health insurance.
Overview of Aflac Life Insurance
Aflac (American Family Life Assurance Company) offers optional flexibility in life insurance, including Term Life and Whole Life policies. These policies provide financial safety for individuals and family units. Explore how top whole life insurance coverage can secure your financial future.
Their coverages help with costs related to health crises, earnings loss, and ongoing security needs. Additionally, Aflac proposes extra benefits like the supplemental coverage plan, which promises direct cash disbursements when policyholders feel they need monetary aid.
Types of Aflac Life Insurance Policies
Aflac offers various life insurance policies, including Term Life, Whole Life, and supplemental Dental, Vision, and Health Insurance, providing diverse financial protection for policyholders.
- Term Life Insurance
- Whole Life Insurance
- Dental, Vision, and Health Insurance
Term life delivers temporary coverage, whole life builds cash value over time, and additional health policies enhance overall security with specialized benefits.
Aflac gives people insurance, which provides cash benefits and helps cover additional medical costs. These policies are present for persons:
- Short Term Disability
- Accident
- Critical Care and Recovery
- Hospital Intensive Care
- Hospital Confinement Sickness
- Hospital Confinement Indemnity
- Cancer or Specific Disease Coverage
- Lump Sum Critical Illness
- Lump Sum Cancer
Aflac’s unique insurance choices give critical financial safeguards, lessening out-of-pocket costs when severe health conditions happen.
Read more: Indemnity vs Expense-Incurred Long-Term Care: What You Need to Know
Aflac’s group insurance policies for businesses provide employees with direct cash benefits, ensuring financial support during medical emergencies.
- Accident
- Disability
- Whole Life
- Dental
- Vision
- Retirement Products
- Critical Illness
Aflac group policies offer cash benefits paid directly to the insured employee. Some of the group policies may not be available in every state, but a representative of Aflac can provide additional information for each state’s insurance products.
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Overview of the Assurity Life Insurance Company
Assurity Life Insurance Company offers term life, whole life, universal life insurance, disability income protection, and critical illness coverage.
Known for its simplified issue term life, Assurity offers quick approval with no medical exam, making it accessible for many applicants. The company focuses on affordable, customizable coverage to meet individual and business needs, ensuring financial security through flexible insurance solutions.
Types of Assurity Life Insurance Policies
Assurity insurance offers Term Life, Whole Life, and Universal Life policies, each designed to meet different financial needs and coverage preferences. Explore the benefits of choosing the best modified whole life insurance here.
- Term Life Policies
- Whole Life
- Universal Life
Assurity Life Insurance Company also provides a policy for disability income protection. The disability protection plan can be for a long-term disability or a short-term disability. The policies offered are:
- Simplified Disability Income Insurance
- Individual Disability Plan benefits
- Graded Benefit
- Business Overhead Expense
Assurity Life Insurance Company does not offer many versatile policies, but it does have some beneficial policies to help individuals if they become disabled. Assurity has been successful as an insurer for many years and has survived the changing economy.
Aflac vs. Assurity Life Insurance Company
When a loved one dies, it can be devastating. However, if the loved one is the breadwinner and has no insurance protection to cover burial expenses, financial obligations, and so on, the situation can become much worse. Aflac and Assurity Life Insurance Company want to help ensure that all families are insured.
Aflac specializes in supplemental coverage, while Assurity provides traditional life insurance. Aflac pays direct cash benefits for medical expenses.Jimmy McMillan Licensed Insurance Agent
The choice of choosing one company over another one is ultimately an individual decision. When comparing the two companies, the facts will help individuals make the right decision. Suppose a simple life insurance policy is needed. In that case, an individual might prefer Assurity. Still, Aflac would be the best choice if someone needs a more complex form of insurance from a more versatile company that allows an individual to build a complete package.
The breadwinner of the family will need to decide which package of benefits their family will need to survive if they were to become disabled or, even worse, die. They want to ensure they have left their family financially secure by choosing the right insurance company. Discover how accidental death and dismemberment insurance provides financial protection.
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Aflac Pros and Cons
Aflac vs. Assurity Life Insurance Company: Unraveling the Claims Process
Ease of Filing a Claim
Aflac and Assurity Life Insurance Company both offer claim filing options, ensuring that policyholders can access their benefits when needed. These options typically include online claim submission, filing over the phone, or utilizing mobile apps.
Average Claim Processing Time
It’s important to compare Aflac and Assurity Life Insurance Company’s average claim processing times.
Faster claim processing can provide policyholders with much-needed financial support during challenging times. Learn how long it takes to get a life insurance policy and what affects approval time.
Customer Feedback on Claim Resolutions and Payouts
Policyholders’ experiences with claim resolutions and payouts can shed light on the reliability and trustworthiness of Aflac and Assurity Life Insurance Company.
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Aflac vs. Assurity Life Insurance Company: Exploring Digital and Technological Features
Mobile App Features and Functionality
Aflac and Assurity Life Insurance Company may have their respective mobile apps with different features and functionality. Policyholders can benefit from mobile apps for tasks such as viewing policy details, submitting claims, and making payments.
Online Account Management Capabilities
Aflac and Assurity Life Insurance Company likely offer online portals where policyholders can access their accounts, update information, and perform various policy-related tasks. See how much life insurance coverage you need for future peace of mind.
Digital Tools and Resources
Comparing the digital tools and resources offered by Aflac and Assurity Life Insurance Company can give individuals insights into the level of support and information available to policyholders. See how Aflac vs Assurity life insurance compares by entering your ZIP code into our free quote tool.
Frequently Asked Questions
How does Aflac vs. Assurity life insurance compare?
Aflac focuses on supplemental coverage with direct cash benefits, while Assurity offers traditional life insurance policies, including term, whole, and universal life options. Discover the key benefits of understanding indexed universal life insurance and how it works for you.
Is Assurity Life Insurance good?
Yes, Assurity Life Insurance is a reliable provider known for its affordable policies and flexible coverage options, including term, whole, and universal life insurance.
How does Combined Insurance vs. Aflac stack up?
Aflac focuses on direct cash benefits for medical expenses, while Combined Insurance offers broader supplemental coverage, making Aflac ideal for out-of-pocket medical costs. Get customized Aflac vs Assurity life insurance quotes instantly by entering your ZIP code using our free tool.
What is Aflac burial insurance?
Aflac burial insurance helps cover funeral and end-of-life expenses, providing cash benefits directly to beneficiaries to ease financial burdens.
What is Assurity burial insurance?
Assurity burial insurance provides permanent coverage designed to help pay for funeral costs, medical bills, and other final expenses. Learn what a life insurance death benefit is and how it provides financial protection.
What does Aflac stand for?
Aflac stands for American Family Life Assurance Company, a provider specializing in supplemental insurance policies, including accident, disability, and life coverage.
How can you make an Assurity life insurance payment?
You can make an Assurity life insurance payment online, by phone, or through mail using your preferred payment method.
How do you access the Assurity life insurance login?
You can access the Assurity life insurance login by visiting Assurity’s official website and entering your policy credentials.
What does Assurity accident insurance offer?
Assurity accident insurance provides cash benefits for injuries, hospital stays, and disability resulting from accidental injuries. See how to choose a life insurance beneficiary and avoid common mistakes when naming one.
How do you contact Assurity life insurance customer service?
For policy assistance and inquiries, you can reach Assurity life insurance customer service by phone, email, or through their website.
What does Assurity health insurance cover?
Assurity health insurance provides supplemental coverage, including accident, critical illness, and disability protection.
How do you file Assurity claims?
You can file Assurity claims online, by mail, or through an agent with the required documents to process your request.
How do you access the Assurity agent login?
You can access the Assurity agent login on the company’s website by entering your agent credentials to manage client policies. Discover what a life cycle life insurance policy is and how it adapts to your needs over time.
Who is Aflac’s biggest competitor?
Aflac’s biggest competitors include companies like Combined Insurance, Colonial Life, and Allstate, which also offer supplemental insurance plans.
What is the rank of Aflac?
Aflac is one of the top supplemental insurance providers in the U.S., with strong financial ratings and a large customer base.
What is better than Aflac insurance?
What is better depends on your needs, as companies like Colonial Life and Mutual of Omaha offer similar supplemental policies with different benefits.
Is Aflac better than Globe Life?
Aflac is better for supplemental insurance with cash payouts, while Globe Life specializes in affordable life insurance with no medical exams. Explore why a life insurance medical exam is required and what factors are evaluated.
Who owns Assurity Life?
Assurity Life is a mutual organization, meaning it is owned by its policyholders rather than shareholders. See which policy fits your needs with Aflac vs Assurity life insurance by using our free quote tool.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
