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 Are the Benefits of Life Insurance?

Life insurance can offer a variety of benefits that can hep make it a worthwhile investment. It can help protect your family financially in the event you unexpectedly pass away, offer reasonable premiums, and give you peace of mind. Here’s a closer look at what life insurance covers, the benefits it offers, and why it may be worth it to have a life insurance plan.

3 Min Read

Key Takeaways

  • Life insurance can help offer many benefits, including financial protection for loved ones, reasonable premiums, cash value, and the option to add riders.
  • Aflac offers term and whole life insurance policies for individuals and families that help provide extensive coverage and benefits. You can also get a final expense insurance policy from Aflac to help loved ones cover end-of-life costs.

How does life insurance work?

Life insurance is a type of policy that is designed to help protect your family financially in the event you unexpectedly pass away. Once enrolled in a life insurance policy, you’ll make monthly payments known as premiums to keep the policy active.

As long as you pay your premiums, the life insurance company will agree to pay your loved ones or beneficiaries a lump sum of money known as a death benefit upon your death.1 Your loved ones can then use this money to help with a variety of expenses, like your funeral, the mortgage, debts, and college tuition. With life insurance, you’ll know your family can be better protected financially if you suddenly pass away.

What are the benefits of life insurance?

The benefits of getting a life insurance policy typically include:

Helps offer loved ones better financial protection

With a life insurance policy, you can feel confident that your loved ones will be better financially stable after your death. They’ll be able to help pay for your funeral and help cover the mortgage, debts, everyday expenses, and other costs.

Coverage can be inexpensive

Factors like your age, gender, health, policy type, and coverage amount can determine the cost of your life insurance. In general, however, you’ll be able to find a plan that fits your lifestyle.

Some policies come with cash value

Depending on the type of life insurance policy you choose, you may have access to a cash value account. It usually earns interest and sometimes becomes available for you to use as you please. You may withdraw money or take a loan against it.

Applying for a policy is straightforward

You can apply for a life insurance policy quickly, often online from the comfort of your own home or office. Typically, when you apply you would share your personal information and answer some questions about your health and lifestyle.

Add riders for additional coverage

Riders are optional features you can add to your life insurance policy, typically, for an extra cost. A rider may help cover life events, such as critical illness, chronic illness, and terminal illness. It can also help increase the death benefit in the event of accidental death or help provide a death benefit for your child until they’re an adult.

The death benefit is not taxable

The death benefit paid out by a life insurance policy is usually not taxable.2 This means that if your beneficiaries receive it, they typically can use the money without worrying about taxes. Of course, keep in mind that there are exceptions to this rule you should familiarize yourself with before you move forward with a policy.

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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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Is life insurance worth it?

Life insurance can be a worthwhile investment if the following situations apply to you:

  • You have dependents: Life insurance can help protect children and other loved ones who depend on your income to survive.
  • You have debts: Life insurance can provide the funds needed to pay off debts like a mortgage, car loan, or student loans so your family is not stuck with them.
  • You want to protect your wealth: Since life insurance provides your loved ones with a death benefit after you pass on, it’s a great way to help preserve your financial legacy. Your beneficiaries could receive a tax benefit. Talk with a tax advisor to better understand your options.
  • You’re a stay-at-home parent: Even if you don’t have a traditional job with a salary, getting life insurance can be a good idea as it can help pay for the services you provide if you pass away, such as cleaning and childcare.

Which life insurance policy do I need?

Aflac offers a few types of life insurance policies for individuals and families, including:

  • Term life insurance: With term life insurance, you pay premiums for a set period of time that can range between 10 and 30 years. Once the term ends, your coverage will expire.
  • Whole life insurance: Whole life insurance is a permanent policy that can provide coverage for the rest of your life. For this reason, it typically comes with higher premiums than term life insurance.
  • Final expense whole life insurance: This small, permanent life insurance policy can help loved ones cover your end-of-life expenses.

Aflac life insurance offers many benefits

Life insurance can offer many benefits. More than half of Americans have a life insurance policy because of these benefits.3 Aflac offers term, whole, and final expense life insurance plans for individuals and families with comprehensive coverage. Chat with an agent today to explore our life insurance options and get a quote today.

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Learn more about Aflac products for Individuals & Families: