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 Daniel Walker

UPDATED: Apr 2, 2022

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AFLAC vs Health Net Life Insurance Company

Life insurance is an important asset in terms of individual or family coverage. Selecting a life insurance company is not a decision based solely on cost or even reputation.

The final decision regarding life insurance coverage involves an assessment of what coverage is provided, what that coverage entails and what the cost for that coverage will be on a regular basis.

AFLAC, considered the largest provider of supplemental insurance in the United States, is well-known for its supplemental health insurance polices. The company also provides supplemental life insurance. The company, while having carved out a noticeable niche in the insurance industry since 1955, faces competition from many insurance companies.

AFLAC vs Health Net Life Insurance Company

One of these is Health Net Life Insurance Company. Health Net Life is an affiliate of Health Net, one of the largest publicly traded health insurers in the United States.

Both companies offer similar coverage, but polices and plans differ. The better of the two depends on several factors, including the needs of the insured, the amount of coverage required and the specific policy selected by the insured.

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The American Family Life Assurance Company (AFLAC) serves more than 40 million policyholders in the United States, with coverage available in every state. Aflac Life insurance options include:

  • Term Life Insurance – A death benefit is provided for a specific length of time. Most AFLAC life insurance policies cover a period of 20 or 30 years. Coverage then expires at the end of the term of the policy.
  • Whole life insurance – A one-time death benefit is paid, with an investment component that can be borrowed, collected or used to pay premiums for the policy. A whole life insurance policy remains in effect for the lifetime of the policyholder, as long as premiums are maintained.
  • Term Life Insurance Riders – Riders cover any changes in coverage needs since the date of the initial policy. Riders can be added to either term or whole life AFLAC policies.

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AFLAC’s life insurance rates vary based on the amount of coverage required and the other standard factors used to determine rates for an individual. According to reviews by customers, AFLAC’s life insurance rates are reasonable when compared to most of the major insurance companies operating in the United States. Policyholders do not usually pay that much if they only require basic life insurance. Family policies tend to cost more, but rates are competitive with other insurance companies.

Juvenile Life Insurance

AFLAC offers juvenile life insurance, a type of coverage aimed at those under the age of 18. This is a specialized version of life insurance that most insurance companies do not over.

Typically, this coverage is mixed with

juvenile life insurance

general life insurance policies. AFLAC’s juvenile life plan is designed to guarantee that a child will be able to obtain coverage in the future, even if they develop a serious medical condition during the course of the juvenile policy period. Policy benefits include:

  • Policy remains effective for a lifetime as long as premiums are maintained.
  • Coverage amount doubles once the child turns 18 years of age with no increase of premium.

Death Benefit

The death benefit on the juvenile life policy builds cash value. This value may be borrowed, collected or available to cover the premium for the policy. The death benefit is provided until the child’s 25th birthday. At this point, the juvenile has the option to convert the policy to an individual permanent life policy. The value of the policy is no more than double the face amount.

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Customer Service

AFLAC has an excellent reputation for customer service. Agents operate in all 50 states. According to reviews by existing policyholders, AFLAC’s agents are generally easy to get a hold of when necessary and make an effort to reduce the cost of premiums as much as possible while maintaining sufficient coverage.

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Health Net Life Insurance Company:

Health Net Life holds a Certificate of Authority in California and 32 other jurisdictions in the United States. Coverage is not available in all states. Swiss Re Life & Health America, Inc. provides reinsurance for group life and accidental death and dismemberment benefits offered by Health Net Life Insurance Company. Coverage offered includes:

  • Group term life insurance
  • Accidental death and dismemberment (AD&D)
  • Supplemental life insurance
  • Dependent life insurance

Note: Term life insurance offered by Health Net Life is not a stand alone product. This coverage is typically grouped with medical coverage offered by Health Net.


The average premium required with a typical policy from Health Net Life is about average with premium rates throughout the United States. Rates vary based on the amount of coverage.

Note: Since term life is not a stand alone product, rates for this coverage are included in the overall premium.

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Customer Service

Health Net Life Insurance Company’s customer service has received mixed reviews, based on assessments by current and former customers. General service is said to be about average. However, some policyholders report issues with processing claims and getting claims accepted.

Health Net Life Insurance does not offer a separate policy for juveniles. However, children typically remain a part of the policy held by their parent(s) or legal guardian(s) until the ages from 18-25, depending on the specific policy. At this point, a policyholder who was formerly a juvenile has the option of obtaining their own policy. Group, family and individual plans are available.

The Final Verdict

A side-by-side comparison of AFLAC and Health Net Life Insurance Company shows some noticeable differences in coverage options and customer care. AFLAC has a wider coverage area, with service available in every state, compared with 33 states for Health Net Life. To be fair, policyholders with minimal needs can find affordable premiums with similar coverage at both companies.

AFLAC rates higher in overall customer satisfaction and offers more policy choices, including the unique juvenile life coverage option. Policyholders who already have existing coverage with Health Net may find it easier to add life insurance coverage to their existing policy. However, individuals looking for more of a selection will find it with AFLAC, along with a solid reputation for customer support.

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