The website features a cost calculator designed to illustrate expenses you may face, even if you have health insurance, if you suffer certain medical conditions or injuries. Keep in mind that you cannot buy insurance from Aflac that will cover expenses resulting from all illnesses or injuries. Just remember that it should be a very low priority.
For example, critical illness insurance may cover only two or three specific illnesses. But what type of insurance company? The certificate will lapse no longer be in force. You will be notified by mail at the owner's last known address at least 31 days before the plan lapses. Cash values are accumulated by crediting premium payments and interest to a fund from which deductions are made for expenses and cost of insurance. The rates at which the interest is credited are declared by the company or may be specified in the certificate.
The initial surrender charge is determined at the beginning of each certificate year. The fund value not to be confused with the surrender value is accrued based on the premium deposited.
Once the fund value exceeds the surrender charge, the cash value begins to grow. With the Universal Life and Whole Life plans, if the group master policy terminates, you will continue to have coverage as long as the premiums are paid. What if I stop paying my premiums but do not surrender my Universal Life plan for its cash value? If payment of premiums discontinues and the certificate is not surrendered, monthly deductions will continue as long as there is sufficient accumulated value.
The certificate will remain in force until the earlier of the following dates: 1. The maturity date if there is sufficient accumulated value to make monthly deductions to that date 2. The end of the grace period 3. The date of the insured's death. Please note that the designated witness to the transaction must be someone other than the beneficiary or the owner of the certificate. You will receive an annual statement on the anniversary date of your Universal Life plan; however, annual statements are not generated on Whole Life plans.
The annual statement shows the current certificate values, premiums paid, and deductions made since the last report, along with any outstanding certificate loans.
Notifications from Aflac. Customer Service. Customer Service Service your account, file a claim, or browse our frequently asked questions. Claim Questions Q. How do I file a claim? Are there online options for claims filing? Will my claim be expedited if I send my claim form to you by express mail? How long do I have to file a claim? How do I submit my claim form for processing? What information do I need to file a claim? I submitted a claim form. Opening business form.
We're here to help. How prepared are you to cover unplanned out-of-pocket costs? When life gives you setbacks, Aflac is here to help you make a comeback.
Accident Get peace of mind and help paying for emergency treatment. Cancer 1 Get help coping with the financial and emotional effects of cancer. Critical Illness Get help with the cost of treating covered critical illnesses. Supplemental Dental Get the benefits you need—with no networks or deductibles. Hospital Help keep high deductibles from derailing your life plans. Life Help protect the financial future of your loved ones.
Short-Term Disability Help ease the financial stress caused by a covered injury. Supplemental Vision Find the care you need to help maintain healthy vision. Pet Insurance 2 Help for when your pet experiences the unexpected. Ready to take the next step to protect your future? Learn more I would like coverage for: Myself. My Employees. These costs include: Expenses not covered by major medical, such as deductibles and co-pays Out-of-pocket costs for things like follow-up medical appointments The Calculator incorporates data from numerous public sources including public health, healthcare providers and voluntary health organizations to show the average costs of a variety of medical conditions.
Are you a resident of the state of Wyoming? Yes No. See the full policy for details. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions.
Benefits paid by Aflac if any will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs.
You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator. These costs include:.
The Calculator incorporates data from numerous public sources including public health, healthcare providers and voluntary health organizations to show the average costs of a variety of medical conditions. The data presented in this tool is for illustrative purposes only. The Aflac policy payout values are averages; and are not guarantees of an amount to be paid for the listed conditions. Aflac payout data shown is based on historical claims over a year period, across all product plans in force at the time.
The values represent the average amount of claims paid to a policyholder with the condition over the timeframe
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