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. Forethought Life Insurance Company

Aflac and Forethought Life Insurance Company are both large insurance providers that both have important insurance products that people need throughout their lives, but they focus on different times of a person’s life.

Aflac has products, such as accident insurance, critical care and recovery insurance and hospital intensive care insurance that help to supplement the expenses that are not paid by health insurance during an illness or injury. Forethought Life Insurance Company has life insurance options that pay end-of-life expenses.

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Aflac’s Accident Insurance

As medical insurance does not cover every expense that people will have after they have suffered an accident, they may find accident insurance a useful policy. With accident insurance from Aflac, people will receive money for expenses, including:

  • The repair of broken teeth
  • The expenses associated with suffering a concussion
  • Being confined to the intensive care unit (ICU)
  • Air or ground transportation
  • Visits to the emergency room
  • The treatment of lacerations

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Cancer/Specified-Disease Insurance

This type of insurance provides a sum of money for people who have been diagnosed with cancer or another of the specified diseases that qualify under the policy. The money can be used to pay for everything that the medical insurance does not, and can also take the place of the patients’ salary while they are undergoing treatment and unable to work.

Critical Care and Recovery Insurance

People will need critical care and recovery insurance when they are diagnosed with a condition that is going to require a long recovery. They will receive payment from this type of policy if they suffer:

  • A stroke
  • Fall into a coma
  • Become paralyzed
  • Need to have heart surgery
  • Are in a consistent vegetative state
  • Are going to undergo an organ transplant

Dental Insurance

People who purchase dental insurance from Aflac have the option of seeing any dentist they like without having to worry about whether or not the dentist is in the plan’s network. This plan also does not require that people pay a deductible.

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Hospital Confinement Indemnity Insurance

Medical insurance may pay for hospitalizations, but they generally do not cover the entire expense. Aflac hospital confinement indemnity insurance takes over all the expenses that will not be paid with health insurance. People who purchase this policy from their current employers will not lose their coverage if they lose their jobs or they decide to voluntarily leave.

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Hospital Confinement Sickness Indemnity Insurance

This policy specifically applies toward the times when policy holders are hospitalized due to an illness, although they can opt to purchase extra coverage to include injuries and routine tests.

Hospital Intensive Care Insurance

Anytime that people are admitted to the intensive care unit, they will be able to access the benefits from the Aflac hospital intensive care insurance.

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Juvenile Life and Life Insurance Policies

People have the opportunity to purchase Aflac’s life insurance policies on their own lives or their children’s. Both types of policies can be purchased as term life or whole life policies.

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Lump Sum Cancer and Lump Sum Critical Illness

These lump sum policies offer policy holders a one-time payment after a diagnosis of cancer or some other covered critical illness. Both companies can answer the question of whether or not it is possible to get life insurance if you have cancer.

Short-Term Disability

Aflac short-term disability provides people with a percentage of their salaries when they need to take time away from their jobs to recover from a short-term disability.

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Vision Insurance

The Aflac vision plan covers extensive eye problems that need correction with surgery, treatment of diseases and those who have experienced some vision loss.

Forethought Life Insurance Company

Forethought Life Insurance Company is less well-known than Aflac, but this company has been in business since 1985. The insurance products are innovative and offers people different types of services than Aflac does.

Preneed Life Insurance

Forethought Life Insurance Company has created a product that will give people the ability to pre-plan how their families will pay their funeral expenses. With this policy, the policy holders will take control of the entire process so that their survivors are relieved of the need to choose a casket, for example. Forethought Life Insurance has a network of funeral homes all over the country to help them plan their services through the Forethought Funeral Planning Network.

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Senior Market Life Insurance

Senior citizens can have a difficult time purchasing life insurance, but Forethought Life Insurance Company has a plan designed specifically for their needs. One option seniors have is purchasing Forethought Freedom.

Forethought Freedom gives senior citizens the opportunity to purchase a whole life insurance policy, something they will have a difficult time finding from other life insurance companies. People over the age of 65 often have to pay the highest premiums, but Forethought Freedom has been created to charge the lowest premiums possible.

Final Expense Insurance

The Final Expense Insurance policy covers the expenses after a person has passed away, such as:

  • The funeral services
  • Paying debts, like credit cards and loans
  • The mortgage
  • Attorneys’ fees

Insurance Assignments

The benefits from life insurance policies will not come to the beneficiaries the day that the policy holder passes away, but the survivors need money to pay several expenses right away. Forethought Life Insurance Company has presented a solution to this problem with its assignment program. With this program, beneficiaries will receive money to make payments to the hospital or the funeral home as the need presents itself.

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Aflac appears to be the company that has products that largely protect people against the losses they can incur after they have suffered an injury or illness that prevents them from working. The emphasis is on the time when people are in their younger years and are not necessarily prepared to take long amounts of time away from work.

The policies that Aflac offers were created to replace the salary that people are unable to earn while they are disabled or suffering from a long-term, but not fatal illness. Aflac also gives people a choice of life insurance policies as well as dental and vision options.

The Difference

On the other hand, Forethought Life Insurance Company focuses on helping policy holders’ survivors pay the end-of-life expenses that people owe after a loved one passes away. The policies are unique in the fact that the policy holders can take care of all of the planning for their own funerals in order to relieve their survivors of this burden.

Forethought Life Insurance Company also has life insurance for the hard-to-insure group of Americans who are 65 and over. Forethought Life Insurance Company has a focus on the needs of people who are at the later stages of life. Younger people who would like to purchase the life insurance products may do so, but they will not have the option of purchasing what they are most likely to need, and that would be policies related to disability in which Aflac specializes.

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