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 Daniel Walker

UPDATED: Apr 3, 2022

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Aflac vs. USAble Life Insurance

The insurance provider you choose can make a huge difference in the security of your future. Protecting the family in the case of the premature death of the major wage earner is vital. Additionally, health insurance, including supplemental health insurance, can offer even more protection.

Some consumers automatically go to the largest, most recognizable insurance company name. Others prefer to work with smaller companies, assuming that they will get more personal attention. Either way, a qualified insurance agent can help you determine your needs and make a meaningful difference when it comes to deciding between different plan options.

In addition to standard health, life, and accident insurance, some companies offer supplemental insurance policy–to help pay for expenses that standard insurance does not. This extra insurance is often geared to a specific disease. For instance, cancer insurance can help people with this very expensive disease to meet their financial obligations, which can help give many people peace of mind, at least in one regard, in a time of need.

In fact, supplemental coverage fills in the gaps of traditional coverage. It’s supposed to cover anything that a typical health insurance policy doesn’t cover. The benefits are paid directly to you, taking of the financial stress of an unexpected illness, accident or hospital stay.

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What’s the difference between AFLAC and USAble Life Insurance Company?

Two solid companies are AFLAC and USAble Life Insurance Company. Both offer good standard service and many optional services as well, but one company may be better than the other for a particular individual. Both companies offer supplemental insurance to cover critical illness and hospitalization. This special insurance can help cover other nonmedical expenses, or costs not directly related to hospitalization, including transportation expenses and hotel accommodations.

A young person may not need the same kind of insurance that an older person needs, of course each situation is different with every individual. Needs differ even more if the insured has a children and/or a spouse.

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Individual or group insurance: What’s a better choice?

The first issue to consider is whether an individual or a group plan is appropriate. Some companies only offer group plans through an employer. Usable Life Insurance, for instance, requires employers to have a minimum of two employees, and the insurance is sold as part of the employers’ group insurance plan. The plan is limited to people living in the United States.

AFLAC, on the other hand, offers insurance to individuals and families, in addition to offering plans to employers. The company also sells insurance to people who are self-employed and offers coverage worldwide.

What are the accidental death and dismemberment benefits?

Both companies offer special benefits for certain kinds of accidents that result in paralysis or loss of use of a limb. For complete details on the specifics, reach out to a licensed agent.

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What is supplemental cancer insurance?

The impact of a major disease, such as cancer, can be devastating. The costs are measured not only in medical bills, but also in loss of income and peripheral expenses, such as travel. AFLAC is known for their excellent cancer coverage. This kind of insurance policy covers expenses not covered by standard health insurance plans. These expenses may include deductibles, travel and lodging for treatment, household help and child care, day-to-day expenses, such as rent or mortgage payments and utility bills, consultations with specialists, and even experimental treatments.

USAble Life Insurance also provides cancer coverage. Just like AFLAC, they make payments directly to the insured party, even if other insurance is in place. There are several coverage levels, paying out at different rates. Again, USAble’s cancer coverage is available as a feature to individuals only through an employer.

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What is critical care coverage?

Cancer is not the only serious disease that may make extra insurance coverage a good idea. The wide range of critical situations include but are not limited to: heart attack, serious burns, end-stage renal failure, strokes, paralysis, organ transplant, comas, and persistent vegetative states. AFLAC’s critical care coverage can supply the money to get through the crisis. The company pays a sum of money monthly while the insured is recovering from a critical care event, like a severe accident.

USAble Life’s critical care policy covers similar events. The company pays a lump sum when the diagnose is initially made. Again, this coverage is only available through an employer, as an add-on to standard health coverage and is payable only through payroll deductions.

What is hospital indemnity insurance?

Requiring hospital admission can take a huge toll. The purpose of hospital indemnity insurance is to help cover expenses while the insured is hospitalized. AFLAC pays cash benefit amounts that can be used in any way that is most helpful to the insured and their family. A great feature of AFLAC’s indemnity coverage is that the policy stays with the insured, even in the case of a job change or retirement.

USAble’s hospital indemnity coverage also pays supplemental daily inpatient hospital and other benefits to the insured. There are three levels of coverage that offer graduated benefits. Choose from basic, select, or ultra medical plans, through the employer.

What type of disability insurance products are available?

Both AFLAC and USAble have solid short and long term disability insurance coverage to buffer a loss in income as a result of becoming disabled. People can choose from a variety of kinds of coverage depending on income requirements, price, optional riders, and the period of time benefits will last.

For example, USAble Life short term disability insurance helps employees meet financial obligations when they’re temporarily out of work due to childbirth, illness, or injury. You will be assisted by an experienced disability insurance carrier and enjoy a variety of flexible and affordable options. There are also some enhanced benefits (return to work incentive, express claim payments, survivor benefits) etc.

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Does Aflac offer life insurance?

Life insurance is just as important as health insurance. AFLAC offers term life insurance, whole life insurance, and riders to cover children to protect the insured’s family, allowing financial needs to be taken care of in the event that the insured is no longer able to do so. Expenses covered can be immediate, such as funeral expenses and medical bills, or can be farther in the future, such as the education of children, retirement expenses, and replacing lost income.

AFLAC also offers these life insurance options. Employers generally offer a standard life insurance package, and additional coverage can be purchased.

How to make a choice in insuring the future?

Both AFLAC and USAble Life Insurance Company offer viable alternatives for securing the future. For a person working in a traditional employment situation, both companies offer many benefits. For someone independently employed or freelancing, AFLAC is the clear choice.

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