AflacReviews of aflac.com

Just got a letter from AFLAC notifying me that due to data breach, my personal information including my address, SSN and other critical information was leaked. And they DID NOT offer any credit monitoring support. DO NOT SIGN UP WITH THEM EVER. They will take your money and data and not protect it properly, or help protect you when it's leaked. Screw them!

My experience with Aflac as an agent was extremely disappointing. The company operates on commission-only pay, yet managers consistently treat agents as if they were salaried employees. We were required to attend endless sales meetings every week, with expectations and pressure that made it feel like a full-time job — but with no base pay at all. There was also a clear lack of transparency during onboarding. The company never mentioned the $90 appointment fee, which only appears later when you leave — unless they quietly deduct it from your commissions without proper disclosure. The overall work environment was discouraging, the demands were unrealistic, and the compensation structure did not justify the amount of time and effort required. I would strongly recommend that anyone considering joining Aflac ask every detail in writing, especially regarding pay, expectations, and fees. Don’t waste your time, unless you already have strong connections with large corporations that specifically want Aflac.

As ceo brought aflac to 2 non-profits and member for 23 years with no claims.then broke front tooth off and w/I 72 hrs went to dentist who pulled root out and replaced with flapper. I submitted claim and denist report denied with no money for claim. I canceled cancer and accident policy. Then ask for refund of auto payment from Nov 7,2025 date canceled for rest of the month. Received for cancer policy, but told no for accident policy. Called agents understood and said decisions were made by others. We are only talking about 60 dollars. Highly disappointed with aflec and everyone I tell agreed, including legal counsel. I will tell everyone, including companies that aflac sales people are not to be trusted. Have been told by many that aflac is losing customers due to denials and company greed No heart from aflac just their customer last rules.

I have had Aflac for 3 years and not once have I received a payment check from them. I have submitted 4 claims and they always deny it for some reason. The process of submitting, reviewing and getting an answer from them is extremely slow. The second to last claim I made, I had to keep calling every week to find out a status, as they do not post it on the website. Why not if I submitted the claim online? The last claim has been the most frustrating of them all as they made account inactive due a glitch of theirs (supposedly they are switching systems), so they lost my account. My employer, whom takes Aflac payments out of my paycheck biweekly on behalf of Aflac, has provided to them all my details again, and I have literally called for 6 months straight, once a week, and besides getting bad customer service (and several unprofessional reps), I am always told the account admin has to reactivate it. It is now mid-December and they have not resolved anything and I have not been able to submit my claim. Watch them never process it because they will then blame too much time has passed or something ridiculous. I will never waste my money ever again on this company with horrible workers. I am very happy my company has moved to a new Hospital Indemnity provider in 2026 so I never have to deal with this company ever again.

Went with AFLAC accident coverage through work because I was under the impression they are fast to process and pay claims. WRONG, they move extremely SLOW. Glad I found this out when I did because it's open enrollment at work and I definitely will not be paying for this coverage again.

I had Aflac years ago and had a great experience. This time it has only been for a short period of time. I didn’t care to keep it due to the lack of response and communication from my agent. She was helpful with responding to my concerns prior to my policy starting. Once it started, I would get an excuse to how busy she was. That was AFTER sending another follow up days later. SMH

I have an Aflac Hospital Indemnity Insurance policy and recently tried to file a claim for my spouse’s hospitalization. To my surprise, Aflac requested that the hospital bill be submitted in the UB-04 format. Unfortunately, most hospitals in the U.S. do not provide this document directly to patients — it’s typically used internally for billing insurance companies. When I contacted the hospital, they told me they could only provide their standard patient bill, not the UB-04 form. This made it impossible to complete my claim, even though all legitimate documents were provided. It feels unfair that Aflac continues to require a format that regular consumers can’t easily access, which makes it very difficult for honest policyholders to receive the benefits they’re entitled to. I hope Aflac reviews this process and allows claims to be filed with standard hospital bills issued to patients.

Try to make a claim with these crooks. All they do is stall and make excuses. They want ridiculous forms filled out. Agents never call back. Take your premium money and invest it. Save yourself the grief.