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. HM Life Insurance

The cost of healthcare has skyrocketed in recent years, making insurance an absolute necessity, but the amount of options available is staggering. What does one insurance provider offer that another doesn’t? What does AFLAC offer that HM Life Insurances Company does not, or vice-versa?

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AFLAC Policies and Descriptions

Known most famously for its duck mascot, AFLAC offers many forms of health insurance, including:

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AFLAC’s Accident Insurance policy covers the costs of treatment, hospital stays and exams, and can also help pay for transportation and lodging. What makes this policy different from many other major insurance company policies is that the policy holder may received cash benefits for occurrences such as broken teeth, concussions, stays in intensive care, ambulance costs, emergency room visits, and lacerations.


This policy is directed specifically at cancer patients or those with long-term diseases, and covers costs that the infirm may be unable to pay, including care for their child, travel expenses, lodging expenses, deductibles, doctors outside the network, new treatments, and some other expenses such as bills and loan payments. Aflac can answer common questions about cancer treatment, including questions like “Can I get life insurance if I have cancer?”

Critical Care and Recovery

This policy covers common, life-threatening events such as heart attacks and stroke, but also covers paralysis, persistent vegetative states, major organ transplants, and coronary artery bypass surgery.

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While the dental insurance policy is self explanatory, AFLAC offers certain benefits that other companies do not. AFLAC doesn’t require a deductible, and there are no network restrictions, meaning the policy holder can use any dentist under this plan. The rates will never increase after their initial costs.

Hospital Confinement Indemnity

This policy covers hospital stays of any lengths, and has AFLAC specific advantages. Under this policy, the holder will have no deductibles, increased benefit amounts for the first five days of hospitalization, the option of HSA compatible policies, the option of any hospital, no pre-certification, and the policy follows the holder, not the job.

Hospital Confinement Sickness Indemnity

The Confinement Sickness Indemnity policy covers extended stays in the hospital due to sickness, and pays for hospital confinement, major diagnostic exams, surgery, ambulance costs. There are different levels of insurance coverage available, with no previous certification required.

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Hospital Intensive Care

ICU stays are more expensive than standard hospital rooms, and this policy helps the policy holder pay for those costs. Some of the advantages include initial cash benefits for the first seven seven days in the ICU, along with an increased benefit for the next eight days. Others are progressive benefits that build over time, ambulance benefits, major organ transplant benefits, and no deductibles. AFLAC processes claims quickly, usually within four days.

Juvenile Life

No one wants to think about the death of a their child, but if it happens, it is better to have insurance. The Juvenile Whole Life offers a death benefit plus the policy builds in cash value that is available to build the policy premiums. The coverage amount doubles on the policy anniversary following the child’s 18th birthday with no increase of premium. The Juvenile Term Life policy provides a death benefit until the child’s 25th birthday, at which time the child has the right to convert the policy to an individual permanent life policy.


Term Life insurance provides a death benefit for a specific length of time, and the coverage expires at the end of the term. Whole life insurance provides a death benefit for a lifetime, as long as the premiums are paid. An additional policy option is the Term Life Insurance Riders, which covers children.

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Lump Sum Cancer

The difference between the cancer and lump-sum cancer policies is the amount of money provided. The lump-sum cancer policy provides a pre-established amount to the holder or another person covered under the policy in the event they are diagnosed with cancer. The money can be used to pay for transportation, doctors outside the network, unproven treatments, living expenses, rehabilitation, and extended hospital stays.

Lump Sum Critical Illness

The lump-sum critical illness policy is similar to the lump-sum cancer policy; it provides a single cash amount to the holder if he or she is diagnosed or treated for a critical illness, including heat attack, stroke, end-stage renal failure, coma, major organ transplant, or paralysis.

Short Term Disability

The short term disability policy helps when the holder must miss work for a certain amount of time due to a clinically documented disability. The policy pays the holder a percentage of their gross income per month for the length of time the holder is disabled.

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In addition to paying for correctional lenses or contact lenses, the AFLAC vision policy also covers eye exams, specific eye diseases, permanent visual impairment, and gives the policy holder the freedom to choose their eye-care provider.

HM Life Insurance Company

HM Life Insurance Company is a member of the HM Insurance Group, and was named to Ward’s 50 top performing insurance companies. The company as a whole offers various forms of insurance, both individual and group.

Individual Policies

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HM Accident Insurance

The accident policies pays the holder in the event of a catastrophic accident, and covers conditions such as dismemberment, paralysis, ambulance, burns, concussions, dislocations, fractures, hospital admissions, lacerations, physical therapy, and some surgeries.

HM Critical Illness Insurances

The critical illness insurance covers conditions like heart attack, stroke, renal failure, invasive cancer, organ transplants, coma, paralysis, loss of sight and hearing, carcinoma, skin cancer, and some surgeries like coronary artery bypass surgery,

Group Policies

The group policies fall mainly into the business realm, providing coverage for a large number of employees.

HM Worksite Advantage – Accident

Similar to the individual HM Accident Insurance, this policy covers the same areas, providing payment up to 200,000$ and a health screening.

HM Worksite Advantage – Critical Illness

Again similar to the individual policy, this plan covers the same areas. However, many of the conditions covered will only be paid once per lifetime, with the benefits for carcinoma, skin cancer, and coronary artery bypass surgery reducing the benefits paid towards invasive skin cancer and heart attack.

HM Worksite Advantage – Disability Income

In the event that a worker is unable to work temporarily due to unavoidable illness or job site injury, this plan pays 50% for six weeks of the amount paid into total disability.

HM Worksite Advantage – Term Life

This policy provides life insurance with an equal benefit for accidental death or dismemberment.

Both companies have much to offer, although it is arguable that AFLAC has the upper hand in the number of policies offered. HM Life Insurance offers perks of their own that AFLAC lacks, such as group policies for employers. Given that AFLAC is the most well known, however, it is the larger of the two companies, with the most revenue. A memorable mascot helps with AFLAC’s memorability, as well.

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