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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Aflac vs. Great American Life Insurance

Insurance in general tends to be a pretty expensive commodity. Life insurance in particular can be a staggering financial commitment. But a solid life insurance policy helps your family in the unfortunate event of your death.

So if you’re going to be paying a life insurance premium, you want to ensure that your insurance plan is one capable of protecting your family.

AFLAC and Great American Life Insurance Company are two insurance providers who each offer life insurance. Here’s what you need to know if you’re deciding between them.

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How AFLAC Stands

AFLAC is one of the most recognizable figures in the insurance industry. Though the company has become a household name through a series of wildly popular advertisements, AFLAC is a solid option for a variety of insurance solutions. Here are the top five reasons to choose AFLAC.

  1. Term or Whole Versatility

    Whether you need life insurance for a specific number of years or guaranteed for your entire life, AFLAC has a wealth of options available.

    Whole life insurance plans boast a comprehensive death benefit. Also part of the policy is an investment component, which can be applied to the plan’s premiums. Unlike other providers’ plans, there’s no maximum age for this policy’s expiration: As long as the premiums are paid, the plan’s coverage is in effect.

  2. Plenty of Insurance Options

    In addition to term and whole life insurance solutions, AFLAC offers plans to protect your entire family.
    AFLAC’s insurance coverage extends beyond comprehensive life insurance. General dental and health coverage plans are available, as well as plans that help you prepare for unexpected emergencies.

    AFLAC ultimately gives your family control over what insurance policies are necessary. Incorporate whichever policy plans you think you’ll need into your plan for a package tailored specifically to your family.

  3. Strategies for Individuals, Companies, and Brokers

    AFLAC can help you protect your family in times of crisis, but AFLAC can also cover your employees.
    If you’re in charge of a business, AFLAC can extend insurance benefits to your employees. This coverage is often available at no cost to you or your business.

    Offering insurance to your employees is a great way to repay them for their work and ensure their loyalty to your business.

    AFLAC also has attractive options for business insurance brokers: AFLAC provides training and competitive salaries.

  4. Beyond Insurance

    Besides offering important coverage via health and life insurance, AFLAC is distinguished for paying families directly.

    If you are insured with AFLAC and end up in the hospital, your insurance plan will pay you directly for routine expenses. This includes such minutiae as food and transportation, and you’re paid the pre-determined sum regardless of any other insurance you may have.

    Direct payment seems to be AFLAC’s most important distinction as an insurance provider; the insured client ultimately has control over how coverage is distributed.

    Compare more insurance companies now by entering your ZIP code into our FREE quote comparison tool at the top of the page!

  5. AFLAC Gives Back

    AFLAC has established a strong reputation as a charitable corporation.

    As a philanthropic business, AFLAC has raised tens of millions of dollars for cancer research and treatment. Furthermore, AFLAC employees lend service hours and funding contributions to a variety of charities and philanthropic organizations.

    AFLAC’s philanthropic business model is a pretty solid indicator of its performance as a corporation: AFLAC’s charitable donations are indicative of good business health and focused generosity.

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The Benefits of Great American Life Insurance Company

Great American Life Insurance Company has a reputation as a trustworthy life insurance distributor. Here are the top 4 reasons to choose Great American Life for your life insurance needs.

  1. Reliable Background

    Great American Life got its start as a subsidiary to Great American Insurance in 1959. Originally formed as a way for Great American Insurance agents to offer life insurance, the company has since grown strongly.

    Today, Great American Life Insurance Company stands on its own as a proud and dependable provider of life insurance options. Operating as a subsidiary of Great American Financial Group, Great American Life

  2. Life Insurance Specialization

    Because Great American Life Insurance Company focuses strictly on life insurance, you’ll be sure to find a plan that suits your needs.

    Great American Life Insurance Company’s legacy spans half a century of cultivating a specialization in life insurance provision.

  3. Superb Diversity of Life Insurance Options

    In addition to several term plans and a comprehensive premium package to age 100, Great American Life Insurance also provides plans for specific conditions. These range from diabetes coverage to plans for smokers.
    The unparalleled variety of specific plans offered means that you are sure to get the right plan.
    Plan diversity also suggests that Great American Life Insurance Company has your individual needs in mind. The more specific plans are indicative of a life insurance company that’s willing to work with you on adjusting your policies.

  4. Leading the Field of Tax-Deferred Annuities

    Mathematical analysis shows that tax-deferral is typically the best way to get the highest final earning on an annuity.
    This is because an annually-taxed annuity generates less annual income than a tax-deferred annuity. If you’re considering an investment component to your life insurance policy, it makes sense to pursue tax-deferral.

Final Considerations

AFLAC and Great American Life are both very strong and reputable insurance providers. Both provide comprehensive life insurance at competitive rates.

AFLAC, however, can incorporate policies into a plan that includes life insurance. When comparing the two companies, then, ask yourself whether you need more than just life insurance.
If the answer is yes and you need other types of insurance coverage for you or your family, AFLAC is probably the best choice.

If the opposite is true, you will probably most benefit from a life insurance policy with Great American Life. Great American Life Insurance Company simply offers more options for life insurance than AFLAC.

Consider whether you need more types of insurance or more life insurance options, and you’ll know whether AFLAC or Great American Life is right for you.

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