Aflac pays cash directly to the insured in the event of a covered accident or illness:

  • To help cover leftover medical bills
  • To assist with everyday living expenses
  • To offset lost household income

These benefits pay over and above any other insurance, without coordination of benefits.

Benefit offering small-10


  • No underwriting requirements (Guaranteed Issue on all Plan Options)
  • Benefits for major/minor procedures and common injuries
  • Benefits include:
    • ER/Urgent Care Treatment
    • Hospital Admission and Confinement
    • Inpatient/Outpatient Surgical Benefits
    • Accident Follow-Up and Therapy Treatment Benefits
    • And more!


  • Guaranteed Issue for Hospital Admission benefits up to $2,000, plus Daily Confinement benefits
  • Additional benefit options may include:
    • Surgical Benefits
    • Diagnostic Exam Benefits
    • Physician Visit Benefits
    • Coverage for Maternity
  • Benefits available to help offset deductible cost in health plan

Critical Illness

  • Lump Sum benefits payable for Heart Attack, Stroke, End Stage Renal, Cancer, and more
  • Guaranteed Issue (up to $10,000)
  • Optional Coverage for Spouse and Children

Policyholder Testimonials!

I have had Aflac for years and it has helped me from accidents to skin cancer. You do need to understand the plan you pick. I LOVE MY AFLAC!!! I would recommend it to everyone!! Listen to the person explaining it to you as my friend tried to turn in a cancer claim as an accident and of course got denied.

~ Stacey Imperial - PA

My wife fell 2 weeks after our Aflac went in effect. They have paid everything the say in a day after I send in the paperwork. For years I was skeptical about Aflac. I wish I had done this years ago. I recommend it to anyone.

~ Brian - TN

I have had the family accident policy for about four years now, and it has been the biggest blessing! As much as I would rather not have to use it, I have 4 kids and accidents are pretty common around our house. I have filed claims on 3 of my kids, on myself and my husband. It has been easy, and quick every time! I am so glad I made the decision to insure my family with AFLAC

~ Megan - SC

Ready to Start?

Contact a dedicated ALA VIP Program Consultant today with all your questions and to schedule a review to learn more about the program and benefit offerings