The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.

1 2023 Insurance Barometer Study. "2023 Life Insurance Fact Sheet" - LIMRA Published: September 2023. Accessed: March 14, 2024. https://www.limra.com/siteassets/newsroom/liam/2023/0859-2023-liam-fact-sheet-2023_final.pdf.

2 Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.

3 The above example is based on a scenario for 20‐year term life insurance (domicile state) that includes the following benefit conditions: $50,000 death benefit, $50,000 accidental death benefit, and $12,500 seatbelt benefit. Benefits may vary by state, benefit option, and level of coverage selected.

4 Assumes the average cost of a gallon of gasoline is $3.35*. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates industry Class A; Aflac Life Solutions WHOLE LIFE POLICY - Series A68100; Female non-smoker age 18-21. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Bureau of Labor Statistics, February 2024.

Aflac life insurance coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac life insurance coverage is underwritten by American Family Life Assurance Company of New York.

Juvenile Whole & Term Life (B61000 Series): In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO, B61JTO. These policies are not available in Delaware or New York.

Direct Whole & Term Life (B60000 Series): In Arkansas, Idaho, Oklahoma, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. These policies are not available in Delaware, Oregon, New York.

Whole and Term Life (68000 Series): In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. In New York, NY68100-NY68400.

A68000 SERIES – WHOLE LIFE ONLY

Limitations and Exclusions for residents of Arizona:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

Limitations and Exclusions for residents of Idaho, New Jersey and Virginia:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness.

The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

A68000 SERIES –TERM LIFE ONLY

Limitations and Exclusions for residents of Arizona:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

Limitations and Exclusions for residents of Idaho, New Jersey, and Virginia:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

Whole Life (Q60000 series): In Arkansas, Delaware & Oregon, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In Pennsylvania, Policy Q60100MPA. In Texas, Policy Q60100MTX. Not available in New York or Virginia.

Q60000 SERIES – GROUP WHOLE LIFE ONLY

Limitations and Exclusions in Arizona, Idaho & New Jersey:

Any death benefit of the certificate will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the certificate or rider effective date. All premiums paid will be refunded, less any indebtedness.

The advanced claim payment will not be payable if the named insured’s death occurs less than two years after the certificate effective date.

Any accelerated death payment will automatically establish a lien against the certificate. Aflac shall hold the lien as a debt against the death benefit, certificate benefits, cash values, any outstanding certificate loans and/or any other certificate liens in existence under the certificate. Any accelerated death payment amount requested will be reduced by any existing due and unpaid premiums, statutory child support liens, loans or liens secured by the certificate, plus unpaid interest and the administrative charge.

The Accelerated Death Payment for a Terminal Illness will not be paid:

Term Life (Q60000 Series): In Delaware, Policies Q60200M. In Arkansas, Idaho, Oklahoma, Oregon & Texas, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C. Not available in New York or Virginia.

Q60000 SERIES – GROUP TERM LIFE ONLY

Limitations and Exclusions in Arizona, Idaho & New Jersey:

Any death benefit of the certificate will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the certificate or rider effective date. All premiums paid will be refunded, less any indebtedness.

The advanced claim payment will not be payable if the named insured’s death occurs less than two years after the certificate effective date.

Any accelerated death payment will automatically establish a lien against the certificate. Aflac shall hold the lien as a debt against the death benefit, certificate benefits and/or any other certificate liens in existence under the certificate. Any accelerated death payment amount requested will be reduced by any existing due and unpaid premiums, statutory child support liens or liens secured by the certificate, plus unpaid interest and the administrative charge.

The Accelerated Death Payment for a Terminal Illness will not be paid: If the named insured or his/her physician resides outside the United States and its territories; If you are required by law to accelerate benefits to meet the claims of creditors; or If a government agency requires you to apply for benefits to qualify for a government benefit or entitlement.

Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999

Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211

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