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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 2, 2020

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Aflac vs. Centurion

AFLAC and Centurion are just a few of the many insurance companies that offer services in the United States. Both companies have their own special deals for customers that may not be offered by the other.

The following is a comparison of insurance products from the two companies that customers may take advantage of.

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Life Insurance

AFLAC’s life insurance policies come in a number of different types. For instance, what is the best kind of insurance policy? AFLAC has special life insurance options for individuals and their dependents. This includes Term Life Insurance that offers death benefits after a specific period of time, often a 20 or 30 year term. After this term, the coverage ends.

Another type of policy offered by AFLAC is Whole Life Insurance, which also includes death benefits. Whole Life Insurance comes with an investment component used to pay the premium.

The policy remains active as long as premiums are paid. Term Life Insurance, on the other hand, is designed to cover children. This may be added to the two life insurance policies aforementioned.

Centurion offers two types of policies under its life insurance plans. For Term Life Insurance, protection is provided to the client for a specified period of time.

The terms are more or less similar to that of AFLAC. It also boasts low initial costs compared to the other agencies. The company highly recommends this type of life insurance, as it is ideal for specific coverage needs. This can also be converted to Permanent Life Insurance.

Centurion Permanent Life Insurance offers clients lifetime protection.  All customers are provided with flexible and favorable premiums and monthly payment options. No matter where a customer is located, Centurion offers competitive rates.

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Health, Medical, Dental, and Vision Coverage

The AFLAC dental coverage plan allows clients to choose any dentists without network restrictions. They guarantee that dental plans are offered at very competitive rates with no deductibles. Dental plans cover regular dental check-ups, oral x-rays and other emergency needs.

AFLAC offers different types of health and medical benefits, including hospital confinement indemnity. This helps clients do away with personal out of pocket expenses for unexpected hospital bills.

This provides extensive hospitalization insurance that covers all diagnostic procedures and other emergency needs that are not covered by typical health plans. This plan guarantees that patients pay no deductibles, and it is compatible with HAS.

Another insurance policy provided by AFLAC is the critical care and recovery plan. This ensures that people who have had serious illnesses are provided with the cash benefits they need.

Hospital Confinement Indemnity covers all major diagnostic exams, surgery and confinement through cash benefits. Hospital Intensive Care Insurance, on the other hand, provides cash benefits to those who are admitted to intensive care. Initial cash benefits are given during the first seven days, and the rest are given progressively over time.

The AFLAC Cancer/Specified Disease policy provides coverage for clients who are suffering from cancer and other diseases.

Centurion provides both short and long term medical insurance. This can be purchased by individuals or provided by employers. Centurion medical insurance covers hospitalization expenses, diagnostic procedures and other laboratory exams.

Centurion also provides health coverage for disability and long–term care. This gives clients the benefits they need in order to recover from injury or support them when they become incapacitated and unable to work.

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Property Insurance

AFLAC concentrates more on health and business insurance and does not have a property insurance program.

Centurion offers a wide array of property insurance options for clients, including policies for both vehicles and homes. Auto insurance policies benefit both the family and the car itself, as it covers medical payments when accidents arise.

Recreational vehicles and boats are also covered with this policy. With this, owners need not worry about the unexpected need for repairs or replacing parts due to damage.

For homeowner policies, clients are provided with sufficient coverage for rebuilding homes, theft, identity fraud and much more.

Business Insurance

AFLAC extends its services to the business world by providing employers options to motivate their workers and give them what they deserve. Businesses can purchase almost all AFLAC insurance policies for employees.

Centurion defines business insurance in another way. It provides policies to protect employees, and also the business itself.

Centurion offers insurance for commercial general liability and commercial property insurance, ordinance or law coverage, business automobile coverage, employment practices liability coverage, home-based business coverage, inland marine insurance, professional liability insurance and excess liability insurance.

For the advantage of the employees, employers do have the option to purchase worker’s compensation insurance. This is tailored to meet the demands of worker’s compensation according to the laws of every state. This also provides protection in cases like employees getting injuries while working. It also protects the liability coverage of the employer.

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Other Products and Services

There are many other services that each company offers. AFLAC offers additional products like Juvenile Life Insurance. Centurion does not offer the same policy. In addition, it added Lump Sum Cancer and Lump Sum Critical Illness policies, in addition to basic disability coverage.

Lump Sum Cancer provides the client or the dependent affected with cancer with a pre-established amount to be used for cancer treatment, including diagnostic tests and lab exams. Everyday living expenses are also covered, including transportation, out of network experts and even experimental treatments.  The patient is covered from treatment until rehabilitation.

For Lump Sum Critical Illness, clients are provided with a single cash benefit if they are struck with serious diseases, such as heart attack, end-stage renal failure, stroke, coma and paralysis. It also covers major human organ transplants.

Centurion, on the other hand, offers personal umbrella insurance as well as commercial umbrella insurance. This works by providing additional liability protection at a very low cost. With this, home or business owners need not worry about being sued by someone affected by an accident.

Centurion Commercial Umbrella Insurance features worldwide coverage, blanket contractual liability protection, control coverage, care, personal injury coverage, advertiser’s liability, liquor law liability, watercraft liability and non-owned aircraft liability.

Which Insurance Company is a Better Choice?

Choosing the best insurance company really depends on the customer’s needs. While property owners may be able to get a broader range of coverage from Centurion, those who are shopping for the best health insurance would likely be better off choosing AFLAC. Both companies are well-known in the insurance industry, and either company will likely be able to fulfill the needs of most consumers.

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