Notifications from Aflac

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting Sept. 3, 2025, and ending Nov. 26, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for Arizona policyholders residing in Gila, Mohave, and Maricopa Counties affected by the heavy rains, Aflac will provide a premium grace period starting Sept. 25, 2025, and ending Jan. 13, 2026. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for Alaska policyholders and certificate holders residing in Northwest Arctic Borough, North Slope Borough, Kusilvak Census Area, Bethel Census Area, Nome Census Area, and Aleutians West Census Area who are affected by the storm, Aflac will provide an extended premium grace period starting Oct. 9, 2025, and ending Dec. 15, 2025. This grace period also includes an extension of filing deadlines for claims and leniency for any other actions required under the policy or certificate. In addition, Aflac will relax prescription drug benefit guidelines to allow payment of claims when a covered prescription drug is refilled prior to the usual 30-day limit. Policyholders and certificate holders may also request a replacement copy of their policy or certificate.

For Network Dental and Vision Members:

Aflac is providing temporary relaxation of precertification and referral requirements. Members will have access to appropriate out-of-network providers if in-network providers are unavailable or if they have been displaced, and leniency will be provided for any other actions required under the certificate. Affected members should contact Aflac Benefits Solutions (formerly Argus Dental and Vision) at 855-819-1873, option 1, for assistance.


Aflac offers premium grace period for federal government employees:

Aflac is offering a grace period for premium payments to help provide relief for policyholders employed by the Federal government who are not receiving pay during the government shutdown. This grace period will begin on October 1, 2025, and extend until payroll resumes for these government employees. Eligible policyholders may inquire about the grace period by calling (888) 515-1941.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Tuolumne and Calaveras Counties affected by the Lightning ignited fires, Aflac will provide a premium grace period starting Sept. 2, 2025, and ending Nov. 18, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for California policyholders residing in Trinity County affected by the Dec. 15, 2024, and Dec. 29, 2024, winter storms, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent levee failure:

To help provide relief for California policyholders residing in San Joaquin County affected by the Oct. 21, 2024, Victoria Island Levee failure, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide billing leniency for impacted insureds, an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. Affected members should contact Aflac at 800-992-3522 for assistance.

For Network Dental and Vision Members:

This also provides an extension of filing deadlines for claims and leniency for any other action required under the certificate. Affected members are not required to obtain prior approval when accessing appropriate out-of-network providers when in-network providers are unavailable. The cost-sharing for out-of-network will be in amount equal to cost-sharing affected members would have paid for the provision of that service in-network. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.


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What is Instant Life Insurance?

In the past, it usually took weeks or even months to get life insurance. While traditional life policies still take some time to get approved, some insurance companies now offer instant life insurance. Instant life insurance is also known as fast life insurance.1 This is available for select products, which can allow you to apply quickly online and receive a decision within minutes. Let’s dive deeper into what instant life insurance is and how it works so you can determine if it’s right for you.

2 Min Read

How does instant life insurance work?

Instant life insurance is a type of term life insurance policy that allows you to get approved shortly after you apply. You can apply with no medical exam. You won't have to wait days, weeks, or months for a decision and your coverage typically begins almost immediately.2

In many cases, instant life insurance skips the medical exam and just requires you to answer a few easy questions about your health and lifestyle instead. It's usually a term life policy that expires after a set period of time.2

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Peace of mind doesn't have to break the bank

Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.

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What you’ll need to apply for instant life insurance

While every insurance company has their own unique requirements for instant life insurance, many will usually ask for the following information during the application process:

  • Name and address
  • Date of birth
  • Social Security number
  • Health history, including prior diagnoses and procedures
  • Family history
  • Driving history

How to get an instant life insurance policy

If you're interested in instant life insurance, you can follow these steps:

1. Choose a life insurance company and policy

Not all instant life insurance policies are created equal. Shop around and compare your options to hone in on the right policy and insurer.

2. Fill out an application online

Once you decide on a policy, visit the insurance company's website to apply. Double check your application before you hit submit to make sure all the information is correct.

3. Apply quickly

You can usually apply online, with no mandatory medical exam and often receive a decision within minutes of submitting the application.

Pros and cons of instant life insurance

Here's a brief overview of some of the benefits and drawbacks of an instant life insurance policy:

Pro: Apply for coverage quickly

You can apply for life insurance coverage within minutes as long as you complete your application thoroughly and accurately.2

Pro: No medical exam

With instant life insurance, there's no need for an intrusive or inconvenient medical exam, as you can apply and receive coverage without one.3

Con: Premiums can be higher

Due to the streamlined application process and no medical exam, these life insurance premiums may cost you more than a traditional term life or whole life policy.3

Con: Seniors and those in poor health may not get approved

If you're over 60 or living with a serious health condition, you may not qualify for instant life insurance because many insurance companies typically require people in that age bracket to take a medical exam.4

Tips on choosing the right instant life insurance policy

Here are some tips to keep in mind when you're looking for the right instant life insurance policy:

  • Determine the right coverage amount: To figure out what coverage is best for you and your loved ones, it's smart to assess your financial obligations, including debts, income replacement needs, and future expenses (like education costs). This can help ensure your policy adequately supports your beneficiaries.

  • Compare policies: Shop around and compare different policies from various insurers. Look at the premiums, coverage amounts, terms, and insurer reputation. This can help you find a policy that offers the best value for your needs.

  • Choose a term length: Choose a term length that aligns with your financial responsibilities. For instance, if you have young children, a term that covers them until they are independent adults might be ideal.

  • Consider policy riders: Consider adding riders (additional benefits) like a waiver of premium rider or accidental death benefit rider. These can help provide extra protection tailored to your specific needs.

Is instant life insurance right for me?

You might want to explore instant life insurance if you're younger, in reasonably good health, and looking to secure life insurance coverage as soon as possible. This is particularly true if you don't mind paying a bit more for your premiums. Instant life insurance may also be a good option if you'd like to avoid a medical exam and a longer underwriting process. If you believe this coverage is right for you, you might also benefit from an Aflac guaranteed-issue term or whole life insurance policy with a quick application process.

Aflac offers guaranteed-issue life insurance

Gone are the days when you have no option of getting a life insurance policy. Today, many insurance companies are offering instant life insurance. You can apply online from the comfort of your own home within minutes.

Aflac offers guaranteed issue life insurance with no underwriting process. Plus, rates are more cost effective and you can choose the right amount to fit your needs. Contact an Aflac agent today for a quote or more information.

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Learn more about Aflac products for Individuals & Families: