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: Mar 19, 2020

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Aflac vs. Cuna

AFLAC and CUNA are two popular insurance providers that offer very different insurance coverage packages, pay-out options and they cater to different clientele. However, both protect you against many financial burdens with health and life coverage. If you are trying to decide between these two insurance companies, then read on to see what each one offers and which company is the best for your needs.

Start saving money on insurance today by entering your ZIP code into our FREE quote comparison tool at the top of the page!

Coverage Types

CUNA is a traditional insurance company that pays percentages directly to doctors or other institutions, depending on what coverage you purchased. Your co-pay, and the amount of money CUNA pays, depends on your package and the nature of your injury or need. Since most people are used to this type of insurance, and it is easy to understand, you may like this if you want just normal insurance.

AFLAC offers non-traditional coverage called “supplemental health insurance.” Instead of paying a percentage to doctors, AFLAC pays you a certain amount of money. The amount of money paid changes based on your injury or need and your package size. AFLAC is not really meant as standalone insurance; it is meant to be conjoined with another insurance package so the two complement each other.

At the same time, once you are paid money from AFLAC you can use it for a variety of purposes. This makes AFLAC’s coverage more versatile, while CUNA is more traditional and normal.

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What is Covered

Both AFLAC and CUNA cover a variety of insurance types. CUNA offers life, health, disability, vision, accident and dental coverage. All are group packages, so only businesses are able to purchase this insurance for employees. They also offer special protection for credit unions with bonds, collateral protection, cyber insurance and many other packages.

AFLAC lacks the credit union protection, but its supplemental insurance covers most of the common areas. You can get dental insurance, hospital, vision, life and health insurance supplemental coverage through this company.

Automatic Renewal

Most insurance companies do not offer automatic renewal, which can be very dangerous for people with expensive medical problems or terminal conditions like cancer or certain diseases. CUNA does not offer automatic renewal, so it may not be good if you have any conditions fitting this description.

AFLAC does offer conditional automatic renewal, but the conditions are easy to satisfy. As long as you are good standing with your account and you pay your premiums on time, you will be eligible for automatic renewal. It does not matter how many times or how much you use the AFLAC insurance, you can continually renew your policy. However, if you already have the chronic condition, you might have some difficulty getting into AFLAC, as it may not cover a preexisting condition.

Compare Prices Online

Buying insurance online, especially if you are looking for the cheapest insurance company, can be tough. Being able to compare prices automatically makes this easier on you, and makes insurance buying more convenient. CUNA does not offer a comparison tool, but AFLAC does. If this is important to you, then check out the AFLAC website to see the cheapest insurance prices for your package needs.

How would you like shopping for insurance to be simplified? Enter your ZIP code into our FREE quote comparison tool at the top of the page to start saving today!

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Individual and Group Plans

As stated above, CUNA only sells to businesses and credit unions. If your employer does not endorse CUNA, then you cannot buy an individual package. AFLAC is usually best as a group package, as this reduces its cost, but you can buy the supplement insurance as an individual.

Standalone Insurance

One of the biggest problems with AFLAC is that it is supplemental insurance, meaning you shouldn’t use it alone. While you can make this your only coverage, AFLAC is made more to supplement your lost wages when you cannot work or to help pay for bills after medical insurance has already reduced the overall amount.

CUNA, as a traditional insurance plan, tends to pay more as it covers a higher percentage of medical bills.

If you just want to buy one package based on the amount of coverage you will get, CUNA is best. However, AFLAC can be used alone to cover minor bills or it can work well with CUNA to help effectively pay bills during an emergency.

General Clientele

AFLAC and CUNA are made to satisfy two different types of people. CUNA is made for businesses and credit unions, as it only offers group policies and it has many policies that help credit unions. Not only that, but business-minded people may not see the point in getting supplemental insurance, as it tends to pay less than normal insurance.

AFLAC is great for people that have the money to pair it with another insurance type, and it is also good for individuals. Oftentimes, regular insurance does not pay enough when an emergency happens, so you may be left with a big bill that is hard to pay. AFLAC comes in during this time and helps you pay. This problem tends to affect individuals more, and AFLAC tends to be more personable than CUNA.

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Problems with CUNA

CUNA does not offer many additional benefits outside of traditional coverage. While it has a number of different policies, half of their policies are for credit unions, so most businesses and individuals will not be able to use CUNA to its full potential. It also does not have automatic renewal, so if you have a chronic condition, you may end up having your insurance canceled after a year or so.

Problems with AFLAC

AFLAC does not pay out as much as CUNA, especially if you have a big medical bill. This is because it is supplemental insurance and not direct insurance. It offers less policy types overall, but since these policies are common most people will not notice the difference. Another big problem is that, unless paired with regular insurance, AFLAC may seem a bit of a waste considering the amount it pays during emergencies.

The Winner

Deciding the winner between these two is very difficult, as it depends what you are looking for.

If you own a business, are a credit union or just want regular insurance, then CUNA is the best. However, if you already have regular insurance and you want to supplement it, or if you want to take advantage of the great extras AFLAC has like automatic renewal, then AFLAC wins.

If you want an insurance company that pays the most of your medical bills when an accident happens, then CUNA is the winner. This is primarily because it offers traditional insurance benefits that AFLAC really cannot tackle unless you have another insurance company to back it up.

Enter your ZIP code into our FREE quote comparison tool at the bottom of the page to start saving money on insurance today!