Aflac life insurance is an American life insurance company that offers insurance products designed to fit the needs of their customers. The company provides various life insurance solutions like term life insurance plans, whole life insurance plans, and other life insurance Aflac policies. Let us take a look at the plan details, workings, and how to get life insurance quotes.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
Founded in 1955, Aflac is a leading provider of supplemental insurance in the United States. Headquartered in Columbus, Georgia, Aflac specializes in life, accident, and health insurance products that help individuals and families protect themselves financially in times of need. With a strong focus on offering easy-to-understand policies and fast claim payouts, Aflac has become a trusted name for millions of Americans seeking coverage for unexpected life events. The company's commitment to customer satisfaction and innovative insurance solutions has earned it a reputation for reliability and trust in the insurance industry.
Term Plans
Here is a list of benefits that are offered with Aflac life policy:
Various types of life insurance plans offer guaranteed issuance without any medical or underwriting questions.
Aflac life policy provides portable cover options irrespective of where you work or if you’re retired.
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Aflac provides a range of life insurance products designed to protect your loved ones financially in the event of death. They are:
Term Life Insurance: Aflac term life insurance plans offer you a large life cover at low premium rates that can be customised to suit your financial goals. You can choose from 10, 20, or 30 years of policy term lengths
Whole Life Insurance: Whole life insurance policies offer coverage for your entire life with cash value accumulation. This plan guarantees protection for your beneficiaries and allows you to build cash value over time.
Final Expense Insurance: This type of permanent life insurance policy offers a smaller death benefit payout. Your nominees can use this benefit amount to take care of your funeral, burial costs, medical bills, and other expenses.
Universal Life Insurance: Universal life insurance is a type of permanent life insurance that offers an investment benefit, as they grow over time and allow you to withdraw or take out loan on the cash value accumulated.
Group Life Insurance: The group life insurance policy enables companies to financially secure their employees within the same plan. These plans help your employees feel safe and seen and provide them with benefits worthy of the hard work they put into the company.
Here is a list of steps explaining how Aflac life insurance plans work:
Step 1: Select the Right Aflac Life Policy with a coverage amount of $50,000.
Step 2: Choose the most suitable rider, like Aflac Accidental-Death Benefit Rider, for enhanced protection.
Step 3: The policyholder’s unfortunate death occurs due to an accidental injury.
Step 4: An amount up to $112,500 is payable to your nominee, helping them lead a financially stable life in your absence.
The main features of Aflac life policy are as follows:
Death Benefits: This is one of the main features of Aflac term life insurance policies, as it pays the entire sum assured as a lump sum benefit to your family in the event of your unfortunate demise.
Premium Payments: The premiums are the amount you need to pay to the insurance company in order to keep the policy active and maintain coverage. Your premium amount may change based on your policy term, sum assured, and other such factors.
Cash Value Accumulation: Aflac whole life insurance policies offer cash value accumulation benefits, similar to permanent life insurance which allow you to create wealth over time while getting life insurance coverage. You can access these funds in the form of loans and withdrawals.
Nominees/Beneficiaries: You can nominate either one or more nominees with your Aflac life insurance policy. These nominees and beneficiaries will receive the death benefit amount in your absence.
Additional Riders: Additional riders can enhance the base coverage of your Aflac term life insurance policy to provide benefits in case of various eventualities of life like death, accidental death, disability, and more.
Before buying the right Aflac life policy, you should check the applicable premiums for your profile with the life insurance calculator. This calculator will give you the most accurate premium amount that you need to pay for your policy.
To get your life insurance quotes from the Aflac life insurance company, you need to either call this number (tel:1-855-782-5850) or answer questions like name, zip code, age, phone number, email ID, and more.
Here is why you can consider buying term life insurance plans for NRI customers from India:
Get up to 50% more affordable premiums than international term insurance plans.
Receive an 18% GST waiver on the premiums paid, along with 5% additional discount on annual mode.
Global coverage for family, which ensures financial security wherever you go.
With the special exit benefit, exit the plan early and receive all the premiums paid back.
Clear your medicals online via tele or video channels.
Alternatively, you can buy term life insurance plans for NRIs online from Indian insurers in the following steps:
Step 1: Visit the term insurance for NRI page of Policybazaar
Step 2: Fill in the basic details like your name, age, gender, and other information
Step 3: Select the right smoking habits, occupation type, annual income, and educational qualifications
Step 4: Choose the most suitable term life insurance for NRIs and proceed to pay the first premium
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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