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. Farm Bureau of Michigan

Everyone needs some type of insurance, whether it is health insurance, life insurance, auto insurance or property insurance. It is difficult to decide what company to use when there is an abundance of insurance providers selling these products. Two companies, AFLAC and Farm Bureau Life Insurance Co. of Michigan, offer contrasting perspectives and approaches.

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American Family Life Insurance Company was established in 1955 and later changed its name to American Family Life Assurance Company (AFLAC). Over 50 million people are insured by AFLAC throughout the United States and also in Japan.

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Products Offered

AFLAC offers products designed for individuals and also for businesses.


Many wage earners receive benefits from their employers including health insurance. However, with the growing cost of health insurance, the amount of coverage may not be enough. Employers may be reducing costs and only offering major medical insurance, leaving employees with inadequate coverage. AFLAC offers insurance to provide individuals with cash benefits to aid in unexpected medical expenses and to help cover everyday expenses when an unexpected medical illness occurs. The following types are available:

  • Accident
  • Cancer or Specific Disease Coverage
  • Critical Care and Recovery
  • Hospital Confinement Indemnity
  • Hospital Confinement Sickness
  • Hospital Intensive Care
  • Lump Sum Cancer
  • Lump Sum Critical Illness
  • Short Term Disability

When something happens that prevents you from working and may cause you to incur unexpected medical expenses, AFLAC coverage will provide cash benefits to help with expenses. It can be used for anything, from buying groceries to making a mortgage payment to paying a deductible. This offers a safety net and peace of mind to individuals.

Other types of individual insurance products are also available from AFLAC. Dental and vision insurances are available to assist with the cost of routine dental and vision care. Life insurance is available for adults and minors, as term or whole life policies.


AFLAC also offers group policies for businesses. With this type of policy, cash benefits would be paid directly to employees. There is no cost to the employer. Group policies allow employers to provide insurance coverage for employees in the following areas:

  • Accident
  • Critical Illness
  • Disability
  • Dental
  • Vision
  • Whole Life

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Retirement Products

Under the name Wingspan Retirement Plan Services, AFLAC offers a variety of annuities to help save for retirement. Varieties include a traditional fixed, fixed-indexed and variable type of annuity.

All policy types described above may not be available in every state, therefore a local AFLAC agent should be consulted for additional information. As one of the larger companies in the insurance field, AFLAC may be able to offer lower premiums when compared with other smaller companies. However, local companies such as Farm Bureau Life Insurance Co. of Michigan may offer a different perspective that may appeal to local residents.

Tired of overpaying for your insurance? Enter your ZIP code into our FREE quote comparison tool at the top of the page to start saving money today!

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Farm Bureau Life Insurance Co. of Michigan

Based out of Lansing, Michigan, Farm Bureau Life Insurance Co. of Michigan is a subsidiary of Farm Bureau Insurance of Michigan. A variety of types of insurances are offered.

Comparison to AFLAC

Like AFLAC, life insurance is available. Whole life, universal life, and term life policies are offered, to meet your specific needs. Special accounts are available to help save for retirement, such as Roth IRAs, traditional IRAs and annuities. For businesses seeking insurance, Farm Bureau Insurance has products specifically created for businesses. However, some types of insurance products are available only to Farm Bureau members.

Unlike AFLAC, Farm Bureau Insurance does not offer an insurance product that offers cash benefits for special medical circumstances. However, they do offer other types of insurance products. Insurance to cover your automobile and home can be obtained. Automobile insurance coverage may include items such as collision, comprehensive, and liability, in a variety of deductible options. Home insurance coverage may include the home and personal property, with policies to meet your desired amount of coverage.

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Products Offered Only to Members

Membership to Farm Bureau is required in order to obtain the following types of insurance: health and dental. Health insurance is available as PPO plans and are administered by Blue Cross Blue Shield, a well know name in the health insurance industry. Dental insurance is also available, from Traditional Plus Dental Plan from Blue Cross Blue Shield.

Products Offered to Everyone

The following products detailed below is available to everyone, from individuals to business companies. Memberships to Farm Bureau is not required.

Business Insurance

The following business insurance products are available:

  • Business Auto Insurance
  • Umbrella Liability Insurance
  • Business Life Insurance
  • Business Health Insurance
  • Business Property and Liability Insurance
  • Workers Compensation

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Farm Insurance

One special type of property offered by Farm Bureaus Insurance is farm insurance. This comprehensive package offers insurance on not just the home and personal property. It also includes the farm, barn and other buildings and personal property of the farm. In addition, personal and farm liability is offered with this special package. Crop insurance is another option for those farmers seeking additional peace of mind.

Farm Bureau Insurance offers multiple types of insurance products all under one roof, for individuals, farmers, and businesses. An advantage of bundling your types of insurance and purchasing them from the same source is that it may save you additional discounts, thus lowering your overall cost. While the name Farm Bureau may be found in a variety of states in the U.S., each state has its own Farm Bureau Insurance Company. The local representative may be a neighbor you have personally known for years. Local branches can found in the community, emphasize a caring attitude and personal attention.

AFLAC vs Farm Bureau

Each company offers similar insurance products, but AFLAC offers options for insurance with cash benefits for specific medical situations. Farm Bureau, on the other other hand, offers a special insurance product for farms, tailored to meet those unique circumstances of farmers. They also offer other types of insurance such as auto or home insurance, giving individuals the opportunity to obtain all their insurance needs from one source.

AFLAC and Farm Bureau Life Insurance Co. of Michigan are just two of the many companies that offer insurance products. Understanding a little more about each company will aid in making an informed decision the next time you want to obtain or change your insurance.

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