Aflac Customer Service

User Reviews, Ratings and Comments



Aflac customer service is ranked #138 out of the 946 companies that have a CustomerServiceScoreboard.com rating with an overall score of 52.67 out of a possible 200 based upon 269 ratings. This score rates Aflac customer service and customer support as Disappointing.

NEGATIVE Comments

222 Negative Comments out of 269 Total Comments is 82.53%.

POSITIVE Comments

47 Positive Comments out of 269 Total Comments is 17.47%.

Issue Resolution

Reachability

Cancellation

Friendliness

Product Knowledge

Disappointing Overall Customer Service Rating

  • Aflac

    Customer Service Scoreboard

    • 52.67 Overall Rating
      (out of 200 possible)
    • 222 negative comments (82.53%)
    • 47 positive comments (17.47%)
    • 7 employee comments
    • Attribute Ratings
      (out of 10 possible)
    • 2.7 Issue Resolution
    • 3.6 Reachability
    • 2.6 Cancellation
    • 4.8 Friendliness
    • 3.9 Product Knowledge

Add your review!

Posted by Cyp200la


After waiting a month being out of work due to tearing muscle in my knee, aflac has kiss to me and told me by Aug 4 i would be paid. I have not been able to work due to a knee injury. Now I fins out after them telling me they had all the paper work they needed, now they need more. This company lies to you on the phone and just keeps pushing the date back. I can't work die to serious knee injury. I will be contacting a lawyer and the BBB and my local news station .

Posted by Chyaire23


I had a hysterectomy on 12/8/17. And sent in my claims. Aflac denined my claim stating this was a pre-existing condition. Which it was not. My doctor sent in all the doctors notes and other paperwork showing it was not a pre-existing condition and they have contuined to denine my claim. I have appealed this and spoken to a supervisor. I don't understand why they won't pay me out the money I am owed. I feel like no one is even looking at my paperwork. It's one excuse after another. Aflac appears to be a very shady company. I am off work for 6 weeks and I'm already stressed. But to deal with there horrible customer service and the auditor who never calls me or my doctor office back is even more stressful. Is there anyone that can help me? Or should I just cancel my policy all together

Posted by Anonymous


Hi I had a meeting with one of your aflac insurance consults named joshua west he's an insurance consult with aflac here in Las Vegas NV he specializes in life insurance and supplemental insurance anyway meeting went well until we were walking to our cars and he opened his car door and it smelled like weed I asked him about it here said he smoked pot before going to work he said that it calms his nerves he said his co workers and management team know all about him smoking pot after our meeting I discussed this with my family we decided not to do any business with joshua west or aflac we complained to aflac on there Facebook page they blocked my friend so aflac is disgusting and disgraceful to instead of solving this problem by making him do a drug test and sending him to rehab they block people on there page to stop them from telling the truth aflac should be ashamed of themselves for doing that unless they r doing it with him

Posted by Joshua west insurance consultant


Hi I had a meeting with one of your insurance consultants Joshua west who's a insurance consultant for aflac in Las Vegas NV we were discussing buying a life insurance policy plan is felt the meeting went well until we were walking to our cars he opened his car door and it smelled like weed he explained that it's legal to smoke pot in the state of Nevada but only if u have a medical card he said that his contact workers and his management staff knows very disturbing and diffently a deal breaker I will not be doing business with aflac or Joshua west I will be contact my attorney and ask what legal action can be taken because now we are buying policies from insurance consultants that use our money for there drug habit he needs to be drug tested and sent to rehab he also has 2 kids he has said that even his 12 year old and two year old knows aflac is a disgrace his name is Joshua west insurance consultant for aflac in Las Vegas NV if u have policies by this man be careful

Official company reply

Hello. Thank you for this information. We are looking into your concerns.

AflacPhyllis 6/5/17 1:29PM

Posted by Omarr


My name is Omarr Lewis I have been Aflac member since 1998 I filled out the forms just like the Aflac agent told me and now I'm in court for insurance fraud this has affected my my life my family but I filled out the information just as they told me right now I'm off work with pay I need someone to help me because I still have all three policies right now and I'm still paying for all three positive and I have made the payment arrangements just trying to get someone to contact me so that I mean cuz I did the forms just like they told me so if anyone has a similar case please let me know if someone that can help me please let me know because the I have witnesses the agent told me but yet I'm going to court for insurance fraud like I say I've been a member since 1998 and I only made a claim in 2014.

Official company reply

Hello Omarr, Aflac's J. D. Power Certified Contact Center is happy to look into this for you. Please email your concerns and contact information to them at [email protected] so they can assist you with this. Policyholders must provide information to verify privacy; at least two of the following: Address, Claim number, Claim Check number, Date of Birth, or Name of Employer.

AflacPhyllis 4/19/17 7:23AM

Posted by Anonymous


My name's Juanique Williams i need help. I have been AFLAC customer sense 2008. I file a claim on March 15 2017 on policy Accident . Im still have not been paid for this claims. Everytime a call Customer service the reasons why someone tell me sometjing different. I was injury on Dec 17 2016. Now im told they need the original doctor's note when i was injury. I faxed all the information after my surgery. Please call me this is out of hand. I dont understand who's audition the paperwork. Thanks for your time.

Official company reply

Hello Anonymous, Aflac’s J. D. Power Certified Contact Center is happy to look into your situation. Please email your concerns and contact information to them at [email protected] so they can assist you with this. Policyholders must provide information to verify privacy; at least two of the following: Address, Claim number, Claim Check number, Date of Birth, or Name of Employer.

AflacPhyllis 4/19/17 7:22AM

Posted by Anonymous


I have had a Aflac policy since 2003. I had surgery on December the 13th and as of February 15th 2017 I have not received one penny. My field agent John avoids me the district manager will not return any of my calls and this one supervisor Shirley Goodman is the only one that will communicate with me. As of today I was told that my policy was 18 days of being short or covering my pre-existing condition so the committee would have to review it next Wednesday or Thursday I have been waiting 3 months without a penny . Everytime I call customer service they are missing a piece of paperwork that I have submitted previous. I can bet after long consideration next week my claim will be denied but I can also bet you I will be seeking a lawyer.

Official company reply

Hello Anonymous,
Aflac’s J. D. Power Certified Contact Center is happy to look into this for you. Please email your concerns and contact information to them at [email protected] so they can assist you with this. Policyholders need to provide information to verify privacy; at least two of the following: Address, Claim number, Claim Check number, Date of Birth, or Name of Employer.

AflacPhyllis 2/15/17 1:46PM

Posted by SMILEY1AZ


I bought AFLAC Cancer policy 12/2013. My Aflac Cancer policy is on auto pay. My initial Cancer diagnosis was 04/06/2016.
I just completed 6 weeks of Oral Chemotherapy & the same 6 wks of Radiation Treatments.
I submitted my Cancer claim for 6 weeks of Oral Chemotherapy & Anti Nausea medicine. I didn't have the complete 6 weeks of Radiation billing charges yet (that's why I didn't submit it all together.
AFLAT processed my claim & the EOB was for $150.00 Anti Nausea medication. Hello, Customer Service here. The original claim subutted was for Anti Nausea meds & 6 weeks of Oral Chemotherapy.

AFLAC, (Great you reimbursed me $150.00 as per my policy hooray)

THE EOB had NO documentation of a Claims review, pending for additional information or a flat out denial! for Oral Chemotherapy! By the way the Oral Chemotherapy is payable @ $500.00 a week (500.00 X 6 wks = $ 3,000.00).

The same EOB had a Pending for additional information = Itemized statements for Dates of service, billed amounts & Treaent codes from my Radiation Oncologist.

I never sublotted a claim for the Radiation Treatments because they didn't have the charges entered yet. (Radiation Treatments are payable $ 500.00 X 6 wks = $3,000.)

AFLAC, Tell me how you can Deny Radiation charges never submitted &
over look Oral Chemotherapy charges I actually filed a claim for? I submitted the CVS Specialty pharmacy billing invoice, with date of service, copy of the RX Label, a letter from my Hemo/Oncologist & Radiation Oncologist both stating my name, dob, Diagnosis codes & Specifically stating I'd be starting Oral Chemotherapy & Radiation treatments in tandem on 11/11/2016 & 12/22/16 cycle of treatment ends.

I called AFLAC & Customer service said I had to resubmit all the items I already submitted. I asked the CSR if she could get me in touch with a Aflac Claims Processor that could Read. She placed me on hold, came back & agreed I'd submitted everything needed. Then placed me on hold again, came back & made statement ts she couldn't see some stuff as it was blacked out (which was incoorect) I then referred her to specific documents submitted where the if oration she need resent was located & signed off by my medical prociders with there direct phone numbers if aflac had any questions.

Then I called my agent & he was absolutely useless. He referred me back to AFLAC & said I needed to speak to a claims specialist.
He stated to me that he wasn't a claims processor & knows NOTHING about claims.
What?? Really how the Hell can/do you sell Insurance & have absolutely No idea what happens to a claim or how the policy effects the insured.
I'm out work due to cancer, the cancer premiums are auto paid & I can't get reimbursed for legal policy treatments that have been attested to by my medical service providers.

The next step for me is contacting the AZ Dept of a insurance & filing a complaint. Then I'm hitting social media.

AFLAC has been a complete hassel. They are understaffed & the staff they do have is incompetent and can't read.

I asked my agent to get me his bosses In formation & someoneabove him that I can file a complaint with about his incompetence and
inabolty to get my claims paid, but of course, ignored!!

Official company reply

Hello SMILEY1AZ, I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. Aflac's J. D. Power Certified Contact Center is available to look into your situation. Please email them at [email protected] so they can assist you with your concerns.

AflacPhyllis 1/19/17 2:34PM

Posted by Anonymous


I will NEVER use Aflac again. I've been getting the runaround about my short term disability for the last month. I've never received a copy of my policy and they keep changing how long my policy has to be in effect in order to claim. And then they are coming up with preexisting condition....uhhh it was a total knee replacement..

Official company reply

Hi Anonnymous, Aflac's J. D. Power Certified Contact Center is happy to look into this for you. Please email them at [email protected] so they can assist you.

AflacPhyllis 1/12/17 1:48PM

Posted by Sam


It is virtually impossible to get in touch with a live person under 20 minutes. They are understaffed at BEST. You cannot find an alternate number to simply reach an operator. And... it they are trying to weasel out of paying on a claim on a technicality. Aflac's customer service sucks donkey balls.

Official company reply

Hi Sam, Aflac's J. D. Power Certified Contact Center is happy to look into this for you. Please email them at [email protected] so they can assist you.

AflacPhyllis 1/12/17 1:48PM

Posted by Pissed off Momma


Very poor customer service with Aflac...They are Liars and thieves and everyone that works for them should have to go to prison for what they are doing to each of us that have policies with Aflac. This is insurance people...we pay for it. They say we can't cancel till the end of the policy...liar. It's my money, I earn it and work damn hard for what I get. I only have to pay for what I want with it after all the necessary expenses, Fica, Taxes ect. Aflac is communist by trying to tell us we have to pay for something we don't. This needs to stop now!!! wish someone could help us.

Official company reply

Hi Pissed off Momma,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. I would like for your customer service team to look into your situation. Please contact them at our J. D. Power 2015 Certified Contact Center at [email protected] so they can assist you with your concerns.

Also Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, in the body of the email, please provide the nature of your concern, your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer. In the subject line of your email, please include /Aflac along with your profile name.

Thank You,
Aflac Phyllis

AflacPhyllis 7/29/16 7:18AM

Posted by Signking


Hello i'm one of your customer company name is Signking employee here in Guam and My agent name is Nelbert Perez. I forward my claim since April and received some payment from your agency but sad to say it was partially payment and remaining balance was not yet receive. Also our agent is not paying attention to our complaints and he never show up his face to explain why my claim is not yet been release up to now. He appointed someone to come here to take good care of it, but there was no progress at all. We are giving the 100% trust to you guys to avail this insurance that you offer. But you must also do your best job in return for trusting you and we are expecting a lot from you. Hope this complain will get your attention. Hoping for your fast response. Daisy Austria

Official company reply

Hi Signking,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. Our customer service team is happy to look into your concerns. Please contact them at our J. D. Power 2015 Certified Contact Center at [email protected] so they can assist you with your concerns.

Also Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, in the body of the email, please provide the nature of your concern, your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer. In the subject line of your email, please include /Aflac along with your profile name.

Thank You,
Aflac Phyllis

AflacPhyllis 7/29/16 7:20AM

Posted by Mine


I filed a claim last month for Jan how can they say this incident we not covered with the current policy I've been a member since 2012-13 tell it to

Official company reply

Hi Mine,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. Our customer service team is happy to look into your concerns. Please contact them at our J. D. Power 2015 Certified Contact Center at [email protected] so they can assist you with your concerns.

Also Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, in the body of the email, please provide the nature of your concern, your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer. In the subject line of your email, please include /Aflac along with your profile name.

Thank You,
Aflac Phyllis

AflacPhyllis 7/29/16 7:21AM

Posted by Gaia2Joe


I filed a death claim 18 months ago; I have provided all information needed, yet AFLAC continues to ask for more. The claim just needs to be paid!!

Official company reply

Hi Gaia2Joe,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. I would like for your customer service team to look into your situation. Please contact them at our J. D. Power 2015 Certified Contact Center at [email protected] so they can assist you with your concerns.

Also Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, in the body of the email, please provide the nature of your concern, your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer. In the subject line of your email, please include /Aflac along with your profile name.

Thank You,
Aflac Phyllis

AflacPhyllis 5/23/16 9:31AM

Posted by Greif stricken


My husband had a specified event policy for 10 years. He had a heart attack and passed away. When trying to make a claim on the policy, I have been told to fill out the claim form with copies of the death certificate and the itemized hospital bill from an intensily rude rep. The claim should be paid in a week. Well, that was 4 months ago. I have been told different information with each call I make. I have resent the forms multiple times. If it wasnt for me needing the money (recent college graduate looking for employment who will not sell Aflc) I would just drop the whole thing. Losing my husband was hard enough, but the added stress of a cushion from Aflac just isnt worth it.

Official company reply

So sorry for the loss of your husband Grief Stricken. I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. I would like for your customer service team to look into your situation. Please contact them at our J. D. Power 2015 Certified Contact Center at [email protected] so they can assist you.

Also Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, in the body of the email, please provide the nature of your concern, your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer. In the subject line of your email, please include /Aflac along with your profile name.

Thank You,
Aflac Phyllis

AflacPhyllis 4/26/16 6:12AM

Posted by James44


I am terminally ill with cancer. My days are very limited. My daughter and I summit my claim for my cancer policy over a month ago through a Rep frommy area. We got a email stating it was recieved. Since we've been told it was being processed. Even at 1 point told to call back to find out how much I was receiving and would it would be deposited in my Acct. Only to have my daughter call back that evening to be told they couldn't find her listed as having POA over me so no info was giving. Rep contacted them it still in processing. We were told they were backed up from end of last year's claims. They are normally caught up by April every year. Right now I'm in a the Hospice Hospital awaiting to die. The cancer has spread throughout my body and I don't have that much time left. I wondering of all things why? I knew that I would not going to live long enough to enjoy the money but I really wanted my daughter to have it so she wouldn't be stressed over paying for my funeral. I recently told her to change my funeral arrangements back to being cremated because Aflac will not send me the money in time for a traditional one. Well the money they owe me per my cancer policy. I would like the company to know how disgusting this is. People literally have to die before they see a dime of their insurance claim?. I know I will probably not be around for the hospice claim to be process and paid either. Before I do die I want tons of people to know the truth about what Aflac has done to my family and me. You promised I would be paid within 3 to 5 days business days after receiving my claim.

Official company reply

Hi James44,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee and I would like to offer you and your daughter some help. Please ask your daughter to email our customer service team at [email protected] so they can assist her.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when she email's us, please ask her to include the POA, your full name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 3/14/16 5:46AM

Posted by Pam tugler


I went to the dentist paid 475.00 dollars for my treatment to found out all they will gives me something on was the X-ray which was anything but 35.00 they are an rip off I will not stay with the any more.

Official company reply

Hi Pam,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. If you email our customer service team at aflac service at [email protected] they will be happy to look into your concerns.
Thank you,
Aflac Phyllis

AflacPhyllis 3/14/16 5:48AM

Posted by Stephnelson75


We have had Aflac for over 10 years, always paying premiums on time. My husband had to have emergency surgery Jan. 25, 2016 to remove his appendix. We called the Aflac rep several times and never could get an answer. After 3 days He finally calls back and says go online and download forms. That was it, no help or suggestions on what we needed to do. We had to wait on an itemized hospital bill to submit claim. I only knew this because I read claim forms carefully. Agent did not tell us we would need this. There was a 2 week delay in getting bill. I repeatedly tried to call and text agent to see if we could start claim without the bill. We were desperately depending on the Aflac money to help with bills. I got a very rude 3 sentence text from agent. He was utterly useless. We finally submitted claim and were told the first week my husband was out of work We would receive nothing. They said they would pay 80 percent of the second week and would be paid in 5 to 7 days. Since it has been longer than that and we have not been paid we called again. We were told they are backed up and won't even be able to complete his claim for 7 to 10 more days. Then if all the paperwork was correct it would take another 7 to 10 days to get a check. This is ridiculous. We have paid over $11,000 in premiums to this company and when we needed them to do their job they have not only failed miserably, but they honestly do not care. Meanwhile we are struggling to keep food on the table. If people could wait months to be reimbursed they would NOT need short term disability. Aflac is a joke. Do not do business with this company.

Official company reply

Hello Stephnelson75,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. Please ask your husband email our customer service team at [email protected] so they can assist him.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if he is a policyholder, when he email's us, please ask him to include his name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of his Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 2/18/16 12:53PM

Posted by Anonymous


Been trying to contact someone via email and phone for past week and a half.. Have 3 policies and premium is now due today... After what I've been paying for the past 7-8 years, I deserve better

Not so Valued Customer

Official company reply

Hi Anonymous,
Our J. D. Power 2015 Certified Contact Center is happy to assist you with your concerns. Please email them at [email protected] so they can assist you.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, please include your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 2/1/16 2:20PM

Posted by mike


I wish I would've checked Aflac customer service before I signed up. I have been waiting for my second check for over a month. They claimed the physicians form (the 2nd one) Ive had my doctor fill out. I have a 6 month injury and im into my 4th month. I wouldn't recommend Aflac to anyone!

Official company reply

Hi Mike,
Our J. D. Power 2015 Certified Contact Center is happy to assist you with your concerns. Please email them at [email protected] so they can assist you.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, please include your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 1/28/16 3:15PM

Posted by Yehudi


I called after a charge from my optometrist was turned down. I was told by Alexis that I just needed to to give a different expiration date to the office. This didn't work. I called back. There was much confusion from the agent about whether I needed to give the last 3 digits of the CVV or the last 4 (it's grouped in 3 like a Visa CVV). She seemed confused and tried to transfer me to card services. I was on hold for 8 minutes. Then Alexis came back on and I was immediately disconnected. After giving all of my information a 3rd time (and 4 times for my address), I was told that I had an old card. I hadn't received the replacement. I asked if there was anything they could do to help me with my prescription sunglasses so I could drive. I was told I'd have to wait 7-14 days for a replacement. This all took about half an hour from my work day.

Official company reply

Hi Anonymous,
Our customer service team is happy to assist you with your concerns. Please email them at [email protected] so they can assist you.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, please include your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 12/10/15 2:59PM

Posted by Anonymous


I have been trying to correct my policy since July, when signing up our company told us how to fill out the forms and who was to be covered was missing,it took 6 phone calls to Aflac for someone to finally tell me what was missing on the application, so with the areas corrected and a letter from my employer stating why we are re-submitting I am still waiting to hear so I can file a claim but it has to go to another department(by the way,you are not able to contact directly)! And oh,Phyllis please do not send me that automatic e-mail response saying to contact Aflac customer service with all info because I do not have the info! I was also assured by a rep that once this info was received it would be a quick resolution,that was on Sept. 8 and here we are sitting on the 21st.

Official company reply

Hi Anonymous,
Please email our customer service team at [email protected] so they can assist you.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, please include your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 10/20/15 6:16AM

Posted by Legend


My son just had surgery at 8:30am on the 20th of Aug 2015 and discharge on the 21st at 10:00am and they only paid for a short stay visit of $100.00. He was in the hospital for over 24hrs so it should have been Confinement that should of payed $1500.00. I pay over $200 a month and can't get my claim payed. I can't wait until October 1st and i'm cancelling my policy, and going back to colonial life. They pay claims on time and with no hassel.

Official company reply

Hi Legend,
Please email our customer service team at [email protected] so they can assist you.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, please include your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 10/20/15 6:16AM

Posted by Anonymous


It takes too long to get feedback or answer when inquiry is needed

Official company reply

Hi Legend,
Please email our customer service team at [email protected] so they can assist you.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, please include your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 10/20/15 6:15AM

Posted by Anonymous


I purchased 2 exact cancer policies about 40 yrs. ago. I did not ask for 2 policies, but each policy specifies that another policy is issued. I needed this coverage last year, and AFLAC decided to cancel my 2 policies and issue me one policy without my consent. They have no proof that they advised me and the original policy has never been found. I continued to pay two premiums and now they refuse to PAY ME TWICE. They refuse to respond to my attorney.

Now that I have not paid any more premiums they refuse to pay my last claim
which was in the insured period. Telephone calls are not returned and you can never talk to the same person twice. I have been trying to get a claim paid since April 2015 and get the same run around each time I call.

The 4 day processing of claims is hog-wash.....

Official company reply

Hi Anonymous,
Please email our customer service team at [email protected] so they can assist you.
Also, Aflac has established corporate privacy procedures in an effort to protect your identity and policy/claim information. Therefore, if you are a policyholder, when you email us, please include your name and at least two of the following criteria: Policy number, Claim number, Claim Check number, Date of Birth, or Name of your Employer.
Thank you,
Aflac Phyllis

AflacPhyllis 9/15/15 7:01AM

Add your review!

Posted by Pissed off that Idiots post stup


I am sorry, it seems that too many people post only negative comments. I guess it is human nature. My wife was diagnosed with Cancer in February and has had several chemo treatments and hospital stays. We used the online system to file our claim and got payment over $8000 within 24 hours!!! IF YOU FILE YOUR PAPERWORK RIGHT THEY PAY. Don't be an idiot and put stupid stuff online that you know is false. We have had Aflac for over 10 years and they never fail to do what is right as long as we do our part. Awesome company, awesome staff, and they do what the policy says they are going to do.

Official company reply

Dear Pissed off that Idiots post stup,
Thank you so much for sharing your family's Aflac experience! I wish you and your wife the very best.
Sncerley,
Aflac Phyllis

AflacPhyllis 6/7/17 7:33AM

Posted by Santa Barbara Beach


Wonderful help, they stayed with me until all matters were resolved perfectly, not part way, all the way. So nice to hear them call me sir or by my last name, yes please and all the proper things our mother's taught us to do. Just love calling customer service and getting people here in the USA that ask how you are, what may they do for you and just find time to shoot the breeze while they are researching your issues. It made me feel like I was family, like they were concerned, and like they had my back. What a wonderful experience. Even the nice folks like Tiffany in the Tech department was a joy. Thanks to all of you nice folks, be safe and may each person that calls get this kind of service. Outstanding!

Posted by Arnold Juenger


I had a problem with my account. Called 4-8-2016 and spoke with Selena. She was very nice and helpful. It's nice to speak with someone who treats you with respect. Nice job and thank you.

Official company reply

Hi Arnold,
I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. Thank you for sharing your Aflac J. D. Power 2015 Certified Contact Center experience. I will let Selena's leadership know.

AflacPhyllis 4/8/16 2:06PM

Posted by Hbyrd90


I have just recently started having problems with Aflac. I have been disabled for just over a year, and all has been great until now. I must admit that Aflac has been good to me up to this point, but don't know why now, they putting me through the wringer. In the past as a courtesy Aflac would contact my employer to verify my continued disability, but now for some reason they are asking me to supply the information. I've supplied them with two different contacts with no results. I just can't understand why they can't use the sources they have used in the past. I will continue to wait. Maybe I'm overshooting the gun, but it's never taken this long to approve a claim in the past.

Posted by satisfied


I was dianoised with breast cancer back in 2005. Aflac immediately took care of me. Here it is years later, and I submitted my wellness reports to Aflac on all of my mammograms and they sent me a wellness check for the amount accrued. I have never had the pleasure of working with such a responsible and expedient insurance company. Thank you!

Official company reply

Hi Satisfied,
Thank you for your kind words! I'm so happy to know that you are "satisfied" with Aflac. Here's to your health!!!

AflacPhyllis 9/15/14 7:16AM

Posted by Deb2rescue


My husband had a heart attack the first night in our new home. I called Cassie the next day. And he was covered by the Critical Care Policies. We got the paperwork and submitted. Our claimed was paid. Then twenty two days after my husband returned back work. I fell in our kitchen. Severely breaking my leg. Called Cassie again and was covered by Accident and Short Term Disability Policies. Had paperwork in a few days turned it in. Payment came quickly. I am so glad we have Aflac, And our representative Cassie Goodband.

Official company reply

Hi Deb2rescue,
I'm so glad to hear Aflac was able to help. Here’s to your health!!!

AflacPhyllis 5/23/14 7:49AM

Posted by Ho-Ho-Hmmmm


I have 4 policies w/Aflac, with the assistance of my agent, I was able to file multiple claims regarding Accident, Hosp Indem., Short Term Disability & Cancer. Prior to doing such, I read and re-read all of my policies to get an in-depth understanding of coverage, claim eligibility and compensation. ALL of my claims were filed via my agent 12/08 & 12/10 of 2013. When I checked my account via online as of 12/23/2013 I see all but my Accident claim as being received. However in review of the claim status, there exist no Claim Total, and the notes posted reads: "Details of this claim have been mailed; please allow 7 business days for receipt". To which I am certain that this is their "STOCK ANSWER" for a denial? Like many disgruntled consumers, I too submitted all the appropriate documentations including itemized billing w/ICD 9 codes, diagnostic codes, and Physician's Note, etc... After calling the call-center today 12/23/2013, I was informed that it was closed due to an inter-office meeting? "Christmas Party" I thought? 2 days till Christmas & I was truly looking forward to resolving my claims with Aflac prior as I had to pay almost all of my medical expenses out of pocket leaving very little for anything extra for Christmas? Although I am ultimately grateful that my family and I are healthy safe and together this holiday, Aflac honoring is commitment to supplement certain medical expenses? Would have definitely made our Christmas ALOT more MERRY!

Posted by Anonymous


I have been an Aflac insured for more than 5 yrs but havent had the need to use my insurance until my son was diagnosed with Cancer in March of 2012. I have a Cancer policy which I had requested that my kids be riders on the policy.

When I contacted my agent Melinda Hickey to see what benefits I had she noticed that due to a clerical error by her, the kids were not listed on the policy. She checked her notes from our intitial meeting which showed they were indeed supposed to be added to the policy. Instead of just passing the buck or not correcting the clerical error, she followed up with diligence to fix the mistake and get the benefits to my son who was battling the effects of chemo and cancer for 10 months.

She went above and beyond to help our family during our darkest hours. I commend Ms. Hickey for finding, owning up to and correcting her mistake then following up to make sure my boy recieved his benefits.

She took a genuine, heartfelt and very caring approach during my sons recovery. Thank you Ms. Hickey from my family and from the bottom of my heart for doing the right thing. Customer service at its best!

Sincerely,

Craig A. Prosser

Posted by Anonymous


I have had Aflac since 2003. I had enrolled
in the accident, dental and cancer policy. In 2005 I was diagnosed with Lymphoma. My
aflac rep was there for me and helped me with
all the forms and made sure that I recieved all the benefits that the policy provided.
I recieved money for the surgery I had, For
All my chemo, all my doctor visits,Ant time I had to go into the hospital for treatment.
I had a good secretary in our cancer center
who filled out all of my visit forms all the dates that I had chemo and all I did was submit them to Aflac. The money i recieved for my 6 treatments well paid for my premiums for the three years I had the Policy.I have never ever had any trouble
recieving the money. I have had a few minor accidents,fx ankle, Fell while skating and recently fell outside while bringing in wood and to this day I have not had an issue.
I faxed copies of my doctors visits, er record, ambulance bill and within a week I got my check. I have had only good luck
with Aflac and they need to hear good results
instead of all the negative.. I will continue to use them. How hard can it be to
ask your doctor to give you a superbill so you can submit it, ask the ER for a copy of your record . Its a little bit of perserverence and if you are not patient enough to do that than it's not aflac's fault
keep that money coming Aflac !!!! I love you
Anne from Connecticut

Posted by [email protected]


I was released by my doctor to go back to work..I faxed the continue form letting aflac know i have been released to return to work..They have had the paper work since 02/26/2013 and i call everyday and its pending internal review...None of the customer service reps no anything...I received a letter stating its being reviewed but don;t know what for..Customer service rep are very unknowlegeable and cant tell yo anything..Not understanding why it take so long to approve or deny

Official company reply

Hi [email protected], I'm Aflac Phyllis, an Aflac worldwide headquarters employee here to help. I'm so sorry to here that you have had an unpleasant Aflac experience. Please allow us the opportunity to assist you. In oder to protect your privacy, please email us at [email protected] so we can assist you immediately. In your email, please include the name of this website and your profile name for this web site.

AflacPhyllis 4/4/13 1:21PM

Posted by ICQ7


I know that AFLAC gets 1000s of claims a day but the customer service team is the best of any company that I deal with.

If you are angry with AFLAC, i must share with you to give them another chance, they are 4 for 4 in success with me and I feel like a valued customer.

Posted by No longer "Frustrated Mom


Re: Frustrated Mom,

I was asked to contact Aflac regarding my issue with my 2 year son being denied for dental services because we did not fill out the "correct" form even though we had filled out paperwork after his birth. Aflac was fantastic in their response to my issue and was able to help remedy the situation promptly! I am very grateful to Aflac! Thank you so much for turning a frustrating situation into a fantastic one.

Posted by Anonymous


I live in Southern Pa and my experience with Aflac has been very good. I had an injury which they promptly reimbursed me for which I owe the ease of the process to my outstanding agent Natalie Blakeman she is very customer oriented and an asset to a good company who in the right agents hands does the right thing.
jeff w

Posted by HAPPYFLORIDIAN


WOW I'VE HAD AFLAC FOR 3 AND 1/2 YEARS AND YES I HAD SOME ISSUES NOT GETTING MY PAYMENTS FOR CLAIMS AS SUBMITTED BUT THEN YOU GET YOUR AGENT OR IN MY CASE YOUR AGENTS TEAM INVOLVED AND MOST OF THE TIME IT GETS RESOLVED AND CHECK IS MAILED/THE ONLY MAJOR COMPLAINT IS THAT ALTHOUGH I UNDERSTAND THAT AFLAC NEEDS PROOF OF THE MEDICAL SERVICES AND PROCEDURES TO PROCESS A CLAIM I DO BELIEVE SOMETIMES AFLAC IS A LITTLE TOO DEMANDING ON CERTAIN SPECIFIC DOCUMENTS FOR EXAMPLE THE ACCIDENT CLAIMS I HAD ONE FOR MY SON WHERE HE HURT HIS FOOT PLAYING SOCCER SO I TOOK HIM TO THE WALK IN CLINIC AND HE HAD XRAYS AND A SOFT BRACE BUT THEY DENIED THE CLAIM 3 TIMES BECAUSE THE INITIAL REPORT FROM THE DOCTOR IT WAS NOT ON THE TYPICAL FORM MOST DOCTORS USED TO USE AND IT DID NOT HAVE THE WORD ACCIDENT IN IT. THE FORM DID SAY " WAS THIS A CAR ACCIDENT? " AND IT HA MARKED "NO" WHEN I ASKED THE DOCTOR'S OFFICE TO PROVIDE SOMETHING WITH THE WORD ACCIDENT IN IT THEY WOULDNT DO IT BECAUSE IS ILLEGAL TO CHANGE MEDICAL REPORTS AFTER THE FACT SO I HAD TO GET MY AGENT INVOLVED AND FINALLY GOT IT APPROVED.THAT IS THE ONLY THING I COMPLAINT ABOUT AND AS MUCH AS I HATE BOTHERING PEOPLE (IN THIS CASE MY AGENT WHO CONSTANTLY TELLS ME ITS OK YOU DONT BOTHER ME CONTACT ME ANY TIME THAT'S MY JOB...ETC)IT IS BETTER TO DO CLAIMS LIKE ACCIDENTS WITH FOLLOW UPS AND DIAGNOSTIC TESTS THROUGH YOUR AGENT, AND ONLY USE THE CALL CENTER FOR THE ONE FORM CLAIM LIKE OFFICE VISITS,ROUTINE WELLNESS CLAIMS,ETC.
ON ANOTHER POINT I'VE READ SO MANY OF YOU IN THIS BOARD ASKING IF AFLAC IS A SCAM OR NOT// I MUST TELL YOU IS NOT. YES THERE IS A LOT OF MONEY YOU END UP PAYING THEM TO HAVE IT FOR A "RAINY DAY" AND IF YOU DONT TRUST THEM JUST SAVE THE MONEY YOURSELF TO USE IT LATER BUT IN MY OPINION IS LIKE ANYTHING ELSE IS ONE OF THOSE THINGS GOOD TO HAVE IN CASE YOU NEEDED AND REALLY HOPE YOU DONT NEEDED AS MUCH.. BUT IN MY EXPERIENCE MOST OF MY CLAIMS HAVE BEEN APPROVED EXCEPT TWO AND ONE OF THEM I DID NOT KNOW AT THE TIME I COULD RESUBMIT AND THE TIME HAD PASSED BUT THE REST I'VE BEEN MORE THAN HAPPY WITH THE RESPONSE. AND IN ONE OF THEM I RECEIVED WAY MORE THAN WHAT I WAS EXPECTING SO I WAS HAPPY... BUT I LEARNED TO KEEP GOOD COMMUNICATION WITH MY AGENT'S TEAM AND WHEN I SUBMIT OR ABOUT TO SUBMIT A CLAIM I LET THEM KNOW SO THEY KEEP TRACK OF IT WITH ME // CAUSE YOU NEED TO UNDERSTAND THE CUSTOMER SERVICE REPS ARE IN A CALL CENTER WITH ACCESS TO THE LAST UPDATE DONE ON THE FILE AND SOME LIMITED AUTOMATIC UNDERWRITING EXPERIENCE MEANING THEY WILL APPROVE WHATEVER MATCHES EXACTLY AND DENY THE REST UNTIL SOMEONE ELSE REVIEWS THE FILE BUT THIS IS A MAJOR INTERNATIONAL COMPANY THEY CANNOT JUST KNOW YOUR SPECIFIC SITUATION OR WHAT YOU THINK IS IN THE FORMS YOUR DOCTOR FILLED OUT SO USE YOUR AGENT IF YOU CANNOT GET A HOLD OF YOUR AGENT THEN CALL THE REGIONS COORDINATOR OR ABOVE EVERYONE HAS A BOSS AND TRUST ME YOUR AGENT WANTS THE COMMISSION FROM YOUR BUSINESS AND ALL THE BUSINESS THEY WILL RECEIVE IF YOU ARE HAPPY WITH THEIR SVCS .
I AM VERY PLEASED WITH MY AFLAC SERVICES AND CLAIMS AND IF I HAD THE MONEY I WOULD TAKE ANY POLICY AVAILABLE IN MY AREA BUT AS OF NOW I HAVE 3 POLICIES WITH THE AND I AM TYPING THIS WHILE IN THE HOSPITAL WITH MY SPOUSE WHO SUFFERED AN ACCIDENT AND I JUST SENT THE FIRST PART OF MY CLAIM IN. AND I AM LOVING THE FACT THAT NOW YOU CAN UPLOAD YOUR DOCUMENTS AND SUBMIT EVERYTHING ONLINE.
AND IF MY HUSBAND'S COMPANY WOULDVE OFFER AFLAC IT WOULD BE BETTER AS MINE DOES NOT HAVE SHORT TERM DISABILITY WITH AFLAC AND MY HUSBAND HAS BEEN OUT OF WORK FOR 3 WEEKS AND HIS COMPANY DOES NOT OFFER SHORT TERM DISABILITY EITHER SO HE IS NOT GETTING PAID BUT I KNOW AFLAC WILL PAY US ENOUGH TO MAKE UP FOR THE 3 WEEKS OF NO INCOME AND A LITTLE MORE.

AGAIN THIS IS A VOLUNTARY **SUPPLEMENTAL*** INSURANCE MEANING NO ONE FORCES YOU TO BUY IT AND IT IS NOT TO INSURE YOU 100% BUT TO SUPPLEMENT BASED ON SPECIFIC SITUATIONS AND MEDICAL TREATMENTS *** READ READ READ THE POLICY IT IS VERY STRAIGHT FORWARD AND THEN ASK ASK ASK YOUR AGENT ANYTHING YOU HAVE QUESTIONS ON AND IF YOU SPEND ALL THE TIME YOU USE TO TALK AROUND WITH OTHER PEOPLE, DISCUSSING IT WITH YOUR AGENT MAYBE YOU WOULDNT HAVE WAISTED SO MUCH TIME WONDERING

Posted by JULIAGULEA


I've had AFLAC for about 5 years...Cancer, Disability and Accident. I have received close to $3600 in payments from Accident coverage alone. For the first 3 years, I felt clueless on how to file a claim and was ready to cancel because I felt overwhelmed. My agent sat down with me and we filled out forms and gathered my documentation (a simple phone call to the doctor for a copy of files)I faxed in the claims and presto, the checks started coming in. I love AFLAC. I've never submitted claims for Cancer other than the well-check visits. Customer Service and my Agent have been very helpful. In fact, I'm thinking of becoming an agent as I think everyone should have this insurance...especially the accident coverage

Posted by patandpaula


I just want to say that dealing with Aflac for my sister who has disability policy has been wonderful. I absolutely don't know what she would have done without this policy. We didnt have any trouble filling out forms and claims have been processed within a week. Thanks to that little duck for everything!

Posted by DD from Selma


I have had aflac for almost eight years, and every time i have put a claim in, they have responed back on my claim in a timely manner. They have always had a grest tuner around on processing my check, I have never had to look for it, or call the 800 number for help. I've just did a claim, and I look forward to receieving my claim check. So i say Thanks! Aflac for such a great service to me.....

Posted by Anonymous


I just called in to the 800# and received great service from a very caring and professional representative. I haven't submitted my claims yet; however, he assisted me in the information I needed to get them sent off.

Posted by Anonymous


Aflac has been wonderful to me. I had a major illness, cancer---Stage 3---and knew that to pay my claims, Aflac needed the detail bills from the provider, not just the summary bills most like to send so you have to request these. My many claims were paid and the extra money kept me "stress free" from a money standpoint while healing! Don't blame Aflac. These days as a patient you have to be smart when working with your doctors, and with your great insurance coverage. Work with them on providing the proper documentation and you will be VERY PLEASED you signed up with these policies. I was.....I still have the coverage today. Thank you, AFLAC!

Posted by randy


I purchased AFLAC approx. 1988 when I was healthy. To date I have since been diagnosed with uterine cancer, lung cancer and leukemia.
Your company has enabled me to handle many expenses that have presented. I am still taking a chemo drug which you also reimburse me for - a God Send. I encourage all my friends and relatives to purchase AFLAC. To me this is the most wonderful policy I could ever have had. Thank you AFLAC - I can't imagine why others are complaining.
My agent has always given great customer service!!

Official company reply

@Randy Hey Randy So glad to hear Aflac was able to help. Here’s to your health!!

AflacPhyllis 5/8/12 7:38AM

Posted by Anonymous


I read this negative comments and am dumbfounded. I have never had anything but excellent service and claims paid quick. (usually within a week). My agent in Houston always returns my calls within a day. (he even calls me back on weekends) I always have my agent file my claim for me, that way I know it is clean and will be processed fast. Aflac is a big company with humans working there, so mistakes are going to happen. The outlines of coverage are VERY clear. I bet very few of you actually took the time to read about clauses and pre-existing conditions. I understand when they are needed, it is an emotional time: you are dealing with health and money issues. I am sorry that you had bad experiences, but I know that some of this could have been avoided by being smart and reading what you have.

Posted by patgoodwin


I personally own 5 different Aflac policies and am the group administrator for our company. We have had a very positive experience with our employees and Aflac. Your agent has a lot to do with it and should be on first name, professional relationship with your group administrator. When any of our employees have an issue, they come to me and I go direct to our Aflac representative to go to bat for them. As with any insurance company, Aflac, Health, Dental, Life, etc they all must have a correctly completed form and the correct paperwork as proof of loss. Most times, I can look over the documents that the employee is using and can point out what they need to complete in order to get the claim processed. Our company offers two supplimental type policies Aflac and Liberty National. Overall our Aflac plans have better benefits than Liberty. Also, in the 9 years we have offered their policies we have not experienced any of the problems listed here. Again, it is because the proper paperwork was submitted and the claims were paid within a few days. The longest one we ever had was for a stroke victim and it was paid within 15 days. We are very pleased. There has to be other issues going on with these claims and I don't understand why your company representative/administrator isn't helping you. I just felt that Aflac should be receiving a fair evaluation because our experience has been nothing like what is being listed here.

Posted by GatorGirl79


Wow! Well I read some of these and I am very sorry for those of you having trouble. I have had Aflac for 10 years and have had many accident claims, wellness claims etc and have never waited more than 7 days for my money.....I have never had any trouble and I don't even use my rep I do it all myself. Maybe stop using your reps or let your employer know you are having problems, maybe they need to get you all a new rep???? Not sure, but sorry for your bad exp. Mine has always been wonderful and I have never spoke to a rude person,ever. I love AFLAC!

Posted by Cancer survivor


Four years ago I had colon cancer surgery. Fortunately, it was successful and I did not even have to have follow-up chemotherapy. I was hospitalized for seven days and filed a claim, having my surgeon fill out the paperwork, which was not really extensive at all. I received a check for more than the amount it cost to pay my deductible. As a matter of fact, it turned out to be twice as much as my deductible. I received insurance payment within a few days of mailing the claim form. I was so pleased with AFLAC on this and on a couple of minor skin cancer claims several years ago that I am even considering being an AFLAC rep at some point because I think it is a good and reputable company.

Posted by HAPPY


LOVE AFLAC... My husband had heart attach and Aflac was right there to help... Check was sent within 4 weeks of the indcident. Everyone there including my agent was great... I would recommend everyone to sign up... Thanks AFLAC

Submit your comment

Posted by Agent Melissa jy811


I am an agent for Aflac and I am reading these post of bad things.. has anyone ever thought of asking any of the other agents for their insurance license? To see a copy of it? Of their license number? We have to have a license number and we have to have a copy of a license. Also another thing that can be done is for you to take the information to the local Aflac office and give it to the District manager or regional manager that is available to make sure that it is faxed to the correct person. They will then follow up with corporate office to make sure that your needs are being met, I as an agent am sorry to hear that you as a client are not being treated right by your agent. An you guys are not understanding that Aflac corporate office really cant be blamed, they are dealing with agents, clients, and alot of other people that are behind the scenes. That is why the agents should be out there helping you as we promised. If anyone should be getting blamed it is the agent that signed you up!!!

And my agent number and name is

Melissa (Van Barriger married name ) Kauchak

sorry just got married havent changed it yet so Kauchak is what they know me by still

my agent number is jy811

Posted by Aflac Andie


I am an Aflac agent also with a policy. I was a stay-at-home mom for 13 years and would not have left my daughters unless I believed in this company! I have had the ability to see policyholders receive a check when they need it most. Keeping their world going around. If you are not receiving the service you deserve please contact Aflac and they will provide you with an agent who will focus on you. There has been a few cases where it is the agent not taking responsibility for their accounts but the company is very good at meeting their responsibility. You need a better agent our job is to file your claims, check on you, keep Aflac working the way it was designed to help our policyholders. Personal attention is one of the most important parts of what I do. Aflac Andie KS

Posted by cooper2007


Beware of AFLAC read " I love Aflac" 's comment. This person claims to be an agent yet states, "After reading these complaints its obvious most of these consumers aren't very educated. I've been an agent for over 7 years & when claims asks for more information/denies claims that seem 'simple" its usually bcz policyholder is attempting to commit fraud." This should show anyone considering AFLAC a true view of what you will be dealing with. I purchased 4 plans through AFLAC...I pay tons of $$ each month. I filed a claim for maternity... they will pay out $600 a month! What a joke. Save your money, pay yourself, and if something should come up...you have a nest egg. You won't have to rely on these idiots to help you. I figured it out. From what I paid and what will be paid out. I ended up spending thousands more on this policy. I would have been better off just saving the money. I hope this helps.

Posted by Anonymous


I have been an aflac agent for over 8 years. The company treats their veteran agents horribly. All they care about are new agents, since it is their production (the agents with 2 years or less with the company) that counts in order for all the District, Regional, and State Coordinators to make their bonuses. This is a good ole boy company, and the favors get traded back and forth. The managers and higher-ups are blood sucking leeches who don't care at all about the salespeople, and lets face it, without us, the company would be dead.
There is NO accountablility from state to state. There are some state managers who plain con artists and shysters. Plus the company is using a sales and marketing method that is outmoded and pretty much ruining Aflac's reputation in the business world. There are no assigned territories...its' a damned free-for-all, with armies of agents all calling on the same businesses over and over again. There is a Do No Contact List that gets added to daily...businesses that have taken out legal restraining orders against ever being contacted by another Aflac agent again. Greedy, greedy, greedy. Their stock might be hot now, but I predict this company will not be around another 10 years. They have poor management and can't get out of their own way.

Posted by Quack


okay...I am going to address some of the issues I've been reading, and hopefully this will help a few people. I used to work in the Aflac call center (worst job ever)
Anyway,concerning claims..
1)Never believe anything your agent tells you (and this is true of ALL insurance companies) If it isn't listed in the policy, you aren't getting paid. I'm not bagging on the Aflac agents, but they are NOT direct employees and are trained to sell sell sell.
2) This is sup insurance. Your rates will never go up, but neither does your covergae. So if you've had a policy for quite a few years, you best call and upgrade.
3) As a consumer you need to pay attention to what policy you buy. If you buy an accident policy, it only covers a physical injury accident, nothing else
4) For the callers complaing on the long hold times... once we clocked in, the phones never stop ringing.. EVER...
I would say 50% of the calls I took were scammers.
Here's an insiders tip.. ALWAYS have major medical, and only buy a sup policy you can use. Aflac is not your friend,they are a for profit business. This can be said of ANY insurance company.
If you are an agent looking to sell Aflac, your market has probably been saturated, so unless you are willing to put in 110%, don't sell it.
If you are considering working in the call center,and aren't used to non-stop calls with people yelling at you all day, I would suggest to look elsewhere. It truly sucks.
On a side note...this was the most "cultish" company I have ever worked for. If you don't embrace EVERYTHING concerning the duck, you will not succeed there.
I have worked in many fields of insurance. Aflac is no better or worse than most out there. Where you as a consumer make a mistake, is by believing the commercials that they are your friend, and by never reading the policy that you purchase.

Posted by dspfd


I agree with cdavis. I am an agent in Missouri and explain to all of my clients that they need to fax me their information that they get from the doctor and not to send it themselves. As an agent I never hear a true complaint about the company but their agent. I always feel bad about how people feel screwed by a bad agent. One rule of thumb, your insurance coverage is only as good as your agent. If your agent works for you, they are a good agent, if they bend over backwards and when speaking to them you feel they admire the products we sell then, they are a great agent. To all of you that have claims that did not go through due to lack of agent help, contact your local office and I bet someone can help you get that claim right.

Posted by cdavis


I have been reading these comments and as a agent I am shocked the replys from other agents. We are responsible for taking care of our policy holders- my clients DO NOT file claims or have to call customer service THEY CALL ME!!!I make a point of stressing this when I open a new account or service an existing account. These clients we want to assist, do not know what is needed to expidite claims and we should educate our selfs as to what Aflac needs in order to pay claims in a timly manner. Its easy to just write a policy but it takes a true professional to follow up and take care of our clients.

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