Life Plans

Life insurance. People know they should have it, but it’s a difficult conversation for employees to have with their family and loved ones. If something happens, will their family have the funds to pay the bills? Aflac Individual Term Life insurance policies are designed to help families get through the tough times.

Individual Products

  • Aflac Life Solutions Term Life – series

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    Take advantage of a host of new resources designed to help you write more Aflac Life Solutions business.

    At-a-glance

    Life insurance. People know they should have it, but it’s a difficult conversation for them to have with their loved ones.

    Aflac term life insurance policies are designed to help families get through the tough times. Term life insurance is a popular choice. Employees choose the length of the policy term: 10, 20, or 30 years, and a face amount starting at $20,000. The premium is fixed for the term of the policy.

    Key features

    • Available face amounts: $20,000–$500,000 ($200,000 if over age 50)
    • Guaranteed-issue term life coverage with a face amount of up to $50,000 (when participation requirements are met)
    • Accelerated Death Payment
    • Optional Accidental-Death Benefit Rider
    • Optional Spouse and Child Term Life Riders
    • Optional Waiver of Premium Benefit Rider (not available if applying for a guaranteed-issue policy)
  • Aflac Life Solutions Whole Life – series

    New Resources

    Take advantage of a host of new resources designed to help you write more Aflac Life Solutions business.

    At-a-glance

    Life insurance. People know they should have it, but it’s a difficult conversation for them to have with their loved ones. Aflac whole life insurance policies are designed to help families get through the tough times. Our policy provides protection with cash value that grows over time.

    Key features

    • Available face amounts: $20,000–$500,000 ($200,000 if over age 50)
    • Guaranteed-issue whole life coverage with a face amount of up to $50,000 (when participation requirements are met).
    • Accelerated Death Payment
    • Optional Accidental-Death Benefit Rider
    • Optional Spouse and Child Term Life Riders
    • Optional Waiver of Premium Benefit Rider
  • Juvenile Life – seriesMany insurance professionals think of life insurance for children as a tough sell. It shouldn’t be. Life insurance for children is an important foundation product.Unlike life insurance for adults, juvenile life insurance is not designed to protect against loss of income. With youth and health statistically on their side, children are much easier to insure at competitive rates. That competitive coverage will already be in place if the child should later develop health issues that could affect future insurability. Parents and grandparents who buy life insurance for children are creating a base of coverage that may be even more valuable when the child becomes an adult.
  • Life Protector – seriesLife insurance. People know they should have it, but it’s a difficult conversation for employees to have with their loved ones. Most people who don’t have life insurance would like to have it and according to LIMRA, of those who do have it, most say they would like to have more coverage.*TERM LIFETerm life insurance offers a level of protection employees can choose for a specified length of time. Employees can select from a 10-year, 20-year, or 30-year term life insurance policy. The premium is guaranteed for the selected term option, so employees will know how much their coverage will cost from month to month and year to year.
    • Apply for up to $200,000 in coverage (ages 18-50)
    • Apply for up to $100,000 in coverage (ages 51-65)

    WHOLE LIFE

    Whole life insurance helps provide a lifetime of security and financial protection. It builds cash value and pays benefits to help with final expenses. The premium is guaranteed, so employees will know how much their coverage will cost from month to month and year to year.

    • Apply for up to $200,000 in coverage (ages 18–50)
    • Apply for up to $100,000 in coverage (ages 51–65)
  • Revised Term Life – series

    At-a-glance

    Life insurance. People know they should have it, but it can be a difficult conversation for them to have with their loved ones.

    Aflac individual term life insurance policies are designed to help families get through the tough times. Term life insurance is a popular choice. Employees choose the length of the policy term: 10, 20, or 30 years, and a face amount starting at $10,000. The premium is fixed for the term of the policy.

    Key features

    • Available face amounts: $10,000–$250,000 ($100,000 max if over age 50)
    • Accelerated Death Payment
    • Waiver of Premium Benefit
    • Optional Accidental-Death Benefit Rider
    • Optional Child Term Life Rider
  • Revised Whole Life – series

    At-a-glance

    Life insurance. People know they should have it, but it’s a difficult coversation for them to have with their loved ones. Aflac individual whole life insurance policies are designed to help families get through the tough times. Our policy provides protection with cash value that grows over time.

    Key features

    • Available face amounts: $10,000–$250,000 ($100,000 max if over age 50)
    • Accelerated Death Payment
    • Waiver of Premium Benefit
    • Optional Accidental-Death Benefit Rider
    • Optional Child Term Life Rider
  • Term to Age 25 – seriesMany insurance professionals think of life insurance for children as a tough sell. It shouldn’t be. Life insurance for children is an important foundation product.Plan Highlights:
    • Coverage for $10,000 or $20,000 is available
    • Any young person age 0 through 24 is eligible to apply, if in good health
    • Adults can apply for coverage on their children or grandchildren

    When the insured reaches age 25, the policy will automatically convert to a whole life policy and the face amount will double.

Group Products

  • Group Term Life

    At-a-glance

    Life is a series of unexpected twists and turns. If something happens to an employee, will his or her family have the funds to pay the bills?

    Aflac group term life insurance plans are designed to help families get through the tough times with freedom of choice, along with peace of mind. Offering a level of protection employees can choose for a specified length of time, term life insurance is a popular option that is affordable, with plans to fit most budgets

  • Group Whole Life 9800

    At-a-glance

    Life insurance. People know they should have it, but it’s a difficult conversation for employees to have with their families and loved ones.

    People are turning to group life insurance products more than ever before: Aflac group whole life insurance helps provide the ease and affordability of group coverage and the security of financial protection for final expenses with cash value savings and dividends that grow over time.

  • Group Whole Life

    At-a-glance

    Life insurance. People know they should have it, but it’s a difficult conversation for employees to have with their families and loved ones.

    People are turning to group life insurance products more than ever before: Aflac group whole life insurance helps provide the ease and affordability of group coverage and the security of financial protection for final expenses with cash value savings and dividends that grow over time.