We care about Aflac’s policyholders affected by the recent weather:
To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 15, 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 wildfires:
To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 10, 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.
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Unlike most supplemental plans, supplemental life insurance takes a different approach to coverage. Many of Aflac’s supplemental policies help support holes not covered by primary health insurance. However, supplemental life insurance refers to the ability to build more coverage into your life insurance plan. Read on to learn more about what supplemental life insurance is and the types of benefits available.
Table of Contents
Supplemental life insurance is a type of policy that can add protection to the life insurance plan you already have. Supplemental coverage adds extra support that can come in handy if your current life insurance policy doesn’t cover enough or if you want specific benefits.
The main goal of obtaining a life insurance policy is to help protect your family in the event of a loss. However, a primary life insurance policy may not provide all the protection they need. Some companies offer you the option to add on extra coverage for your family, or you can get supplemental life insurance through a private insurance company.
Essentially, supplemental life insurance can provide extra support for your loved ones if you pass away unexpectedly.
Supplemental life insurance makes sense if you are hoping to expand your coverage beyond your own life. There are a few instances where some type of supplemental support can strengthen the benefits of a life insurance plan.
This type of coverage exists to help provide extra protection around accidents, funerals, and family support. You may be able to find specific supplemental solutions that fit your unique needs.
In some supplemental life insurance plans, you have the option to add coverage in the event of accidental death. This type of add-on rider can provide extra benefits if you were to pass suddenly due to an unintentional death or dismemberment.1 Accidental death and dismemberment insurance can be helpful because many families may not be financially prepared for the sudden loss of a loved one.
Each company takes a different approach to this type of coverage. It’s important to read the fine print of the policy you are considering in order to make an informed decision. Alternatively, Aflac offers accident insurance that pays benefits for a variety of covered accidents.
You may have the ability to add on coverage to help protect your children, acting as supplemental child term life insurance. This type of child term rider can can provide coverage if the child dies before a certain age.2 In some spaces, it can also be referred to as juvenile life insurance. This type of coverage may help provide solace in a destabilizing time.
In some cases, you can purchase additional coverage for your spouse. This can be referred to as supplemental spouse life insurance. This type of add-on can work with different types of policies, like term and whole life insurance.
The benefits you’ll receive from this type of supplemental life insurance depend on the coverage you choose. In some cases, a spousal/domestic insurance plans offer coverage to your partner, which is a percentage of the primary policyholder’s plan.3
Joint life insurance is another option for dual-income married couples or business partners with an insurable interest. In some joint policies, the death benefit won’t be paid out until both partners pass away. This is sometimes called a "second-to-die" or a "survivorship life insurance" policy. Another option is having benefits that can be accessed when the first person dies, which is referred to as “first to die” policy. This is a popular choice for high-earning families, as it may have certain tax benefits.4 This type of plan is not available at all insurance companies, so we recommend doing your research before obtaining this type of policy.
Final Expense life insurance (sometimes referred to as burial insurance) is a type of whole life insurance policy that is designed to help loved ones prepare for the costs that come in the final stage of life. Final expense life insurance is typically less expensive than traditional life insurance as it has lower face amounts, usually not exceeding $50,000. This type of insurance does not typically require a medical exam since coverage is issued based on the applicant's answers to a health questionnaire. The funds from a final expense policy can be used to cover out-of-pocket medical expenses, legal and accounting costs for the individual or estate and for funeral and burial expenses.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThe amount of supplemental life insurance you need may depend on factors such as how many dependents you have, your debts, and how long you need coverage. For instance, if you want coverage for a few years until your children become adults, supplemental term life insurance may be right for you. Consider the financial needs of your spouse or partner, children, parents, or other family members when deciding how much supplemental life insurance you should get.
Supplemental life insurance has many benefits that can help you and your loved ones. It may be worth it to seek supplemental life insurance if your existing coverage doesn’t meet all of your specific needs, or if it won’t provide your spouse or other family members with enough support in the event of your passing. Supplemental life insurance can also be a good option if you need a plan that will still cover you if you change jobs. Whether you are looking at plans with a private insurance company or supplemental life insurance options offered through your employer, consider the different types of coverage available so that you can find a plan that works best for your family’s needs.
Supplemental life insurance can help you get the additional coverage you and your loved ones need. Whether you are looking for a supplemental policy for yourself, your children, your spouse, or your employees, Aflac has options. For some, supplemental life insurance offered through their employers is beneficial, but burial insurance may be more of a priority for others. Chat with an Aflac agent today to see how we can help improve your life insurance plan or create a new one.
Get Started
Wondering what life insurance policy is best for you? Find out which type of life insurance can offer you the best coverage.
Child life insurance can guarantee coverage for them and can offer a cash value benefit later on. Learn what child life insurance is and the pros and cons.
Wondering what life insurance policy is best for you? Find out which type of life insurance can offer you the best coverage.
Child life insurance can guarantee coverage for them and can offer a cash value benefit later on. Learn what child life insurance is and the pros and cons.
1 Investopedia - Accidental Death and Dismemberment (AD&D) Insurance. Updated September 20, 2024. Accessed March 3, 2025. https://www.investopedia.com/terms/a/accidental-death-dismemberment-insurance.asp.
2 Investopedia - 8 Common Life Insurance Riders. Updated August 06, 2023. Accessed March 3, 2025. https://www.investopedia.com/articles/pf/07/life_insurance_rider.asp.
3 Insurance Noon - What Is Supplemental Spouse Life Insurance? Published March 24, 2023. Accessed February 16, 2024. https://insurancenoon.com/what-is-supplemental-spouse-life-insurance/.
4 Thrivent - How joint life insurance can help protect your family or business. Published February 13, 2025. Accessed March 3, 2025. https://www.thrivent.com/insights/life-insurance/how-joint-life-insurance-can-help-protect-your-family-or-business.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Life: 68000 series: In Arkansas, Idaho, Oklahoma & Virginia, ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. B1000: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO, B61JTO. B60000: In Arkansas, Oklahoma, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Q60000: Whole: In Arkansas, Delaware Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Term: In Delaware, Policies Q60200M. In Arkansas, Idaho & Oklahoma Policies ICC18Q60200M. Accident: A36000: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. 37000: In Delaware, Policies A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA. 38000: In Delaware, Policies A38100DE, A38200DE, A382OFDE, A38300DE. In Oklahoma, Policies A38100OK, A38200OK, A382OFOK, A38300OK.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908). Not available in New York.
Life: In Arkansas, Delaware, Idaho, Oklahoma & Virginia, Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Accident: Tier One: In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA, T37600VA. Not available in NY or NJ.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. 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. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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.
Aflac | Tier One | WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
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