Aflac car insurance quotes
Advertising is big business, and many companies focus their budget on making memorable commercials; these commercials sometimes break away to become pop culture icons in their own right. Aflac is one such company. Most people now readily associate the brand with the talking white duck, although not all people know exactly what Aflac is or what services it provides. What type of insurance does Aflac carry? What does it do? Do you need a policy with Aflac?
Who is Aflac?
Aflac stands for American Family Life Assurance Company. Initially founded 1955 as a life insurance provider, the company quickly shifted its attention to cancer insurance and extended health benefits. Now many individuals purchase an Aflac policy through their employer as a payroll deduction. Aflac offers cancer insurance, disability insurance and other types of supplemental medical insurance. It is currently the largest provider of supplemental health coverage in the country and in Japan, where it also operates.
Aflac is best known for its commercials featuring a talking white duck. The duck first appeared in 1999 in a series of commercials where prospective policyholders would be seen complaining about their medical concerns and wishing there was some way they could be paid for expenses that their medical coverage would not pay for; a white duck would continuously quack “Aflac” without notice, growing more and more exasperated at being annoyed.
There have been over 30 Aflac duck commercials released since then. The Aflac duck was initially voiced by comedian Gilbert Gottfried, but was changed to Daniel McKeague in 2011. Modern Aflac commercials incorporate the duck in more and more outlandish situations, including providing counterpoint to a beatboxing pigeon.
What is Supplemental Insurance?
In the event that you become injured or seriously ill, supplemental insurance pays for expenses not covered by your regular health insurance policy. For example, an Aflac policy will pay to supplement your income if you must miss work for an extended period due to a medical problem. It will also pay for costs associated with treatment, such as travel expenses to a specialist or certain medical expenses not paid by your insurance.
If you are involved in an auto accident and your medical expenses are not paid through your auto insurance, Aflac or a similar supplemental health policy may be able to cover your doctor’s bills. Of course, what your insurance covers is dependent on what type of coverage you purchase from the company. If you carry cancer insurance only, for example, the policy will only provide extended medical benefits in the event that you become diagnosed with cancer; it will not pay for short term disability caused by other types of medical issues.
What makes Aflac unique is that it pays benefits directly to the insured rather than paying the medical providers. Unlike most health insurance providers, which deal with doctors and hospitals for billing, Aflac provides payments to the insured to use for any appropriate expenses. For individuals suffering from serious medical conditions, this extra money can be extremely helpful.
Does Aflac sell car insurance?
Aflac does not offer car insurance coverage. Only life and extended medical benefits are available through Aflac. In the event of a severe accident with ongoing injuries, your car insurance company may contact Aflac to pursue extended health benefits, but that is the extent of the relation between Aflac and auto insurance.
Recently, Allstate Insurance has begun selling extended health benefits. Allstate is a major insurer of automobiles and homes, and also provides coverage for life insurance and commercial properties. The extended health benefits are available to corporations, and Allstate has already purchased some of Aflac’s corporate accounts. Therefore if you previously had Aflac through your employer, your extended health benefits may now be paid by Allstate.
As cancer insurance and other types of extended medical benefits begin to gain in popularity, more auto insurance companies may begin to offer this type of coverage. At this time, Aflac still holds the vast majority of these policies, but the market may become diversified in the future as competition begins to intensify.
Should I buy Extended Health Coverage?
Many companies provide affordable extended health benefits through payroll deductions. You can purchase an Aflac policy alongside your regular medical policy, usually for an affordable rate, and carry coverage for emergencies. Many people appreciate the security that extended medical benefits provides.
Some people believe that extended medical benefits are a waste of money that would be better if it were saved or invested. These people believe that the odds of qualifying for extended medical coverage are so low that the vast majority of insureds would never need to use the policy.
Whether or not you decide to buy extended medical benefits through your employer or independently, it’s a good idea to know exactly what is covered under this type of policy and how much it would be to obtain coverage for yourself or your family. By obtaining a free quote, you can decide if it is worthwhile to purchase a policy from Aflac. An insurance representative will be happy to discuss the options with you when you call the company; together, you can decide what the best choice is for you and your family’s needs.
Share Tweet1 Pin +1Shares 1Here's what you need to know...
- Aflac does not offer car insurance coverage, but does offer supplemental insurance
- Aflac has very strong ratings from the Better Business Bureau and Standard & Poor’s
- Supplemental insurance is becoming more popular every year
Aflac Inc. of Columbus, Georgia, was established in 1955 and is known mostly for its supplemental insurance products provided through the nation’s employers.
Our FREE search tool lets you see car insurance quotes from multiple companies by simply entering your zip code!
The Aflac duck is the company’s mascot — a mascot that is arguably becoming synonymous with the idea of supplemental insurance. The company issues and administers its policies by way of 70,000 agents scattered across the country.
Despite what you may read in other car insurance reviews, Aflac Inc. is not a car insurance company. With the exception of its life insurance business, all of the company’s policies center around the idea of supplemental insurance.
What is supplemental insurance?
Supplemental insurance is a type of coverage that provides cash to make up for the gaps in other types of insurance coverage. For example, your regular car insurance policy may not cover any lost income incurred by a traffic accident. Aflac will.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Supplemental insurance can be used in conjunction with your standard auto policy, health insurance coverage, or disability policy.
Supplemental insurance pays cash directly to the policyholder, leaving him or her the choice of how and where to spend the funds.
With health insurance costs and litigation continuing to rise in the United States, supplemental insurance is becoming popular.
Aflac has been accredited with the Better Business Bureau since 1958 and boasts an A+ rating. Standard & Poor’s lists them with an A rating.
Consumers interested in finding car insurance through Aflac will be unsuccessful, but there are plenty of other options.
A good place to begin is by doing an online search for companies licensed to provide insurance in your state.
Enter your ZIP code in the FREE search tool right now to start your online search for the best car insurance rates in your area!
American Family Life Assurance Company (Aflac) was founded on Nov. 17, 1955 by three brothers, John, Paul and Bill Amos. In its first year of operation, Aflac had 6,426 policyholders and $388,000 in assets. Today, Aflac is a Fortune 500 company listed on the New York Stock Exchange with over $59 billion.
Aflac Inc. is the largest provider of supplemental insurance in the United States. It was founded in 1955 and it's based in Columbus, Georgia. In the United States, Aflac underwrites a range of insurance policies, but is mostly known for its payroll deduction insurance coverage, which pays cash benefits when a policyholder has an accident or illness. In Japan, the company is the second largest overall insurer, largest life insurer and well known for its supplemental medical policies.
Since 2000, the company's identity has become more widely recognized as the result of commercials featuring the Aflac Duck, who quacks the company's name in frustration to prospective policyholders. AFLAC's brand has developed wide recognition with commercials starring the famous Aflac Duck (voiced by Gilbert Gottfried and created by Jim Henson's Creature Shop) on television which started airing in December 1999.
The duck concept and all of the commercials to date have been created by Kaplan Thaler Group, an advertising agency based in New York City. Struggling to come up with a concept to make the big but relatively obscure insurance company's name memorable, one of the agency's art directors stumbled upon the duck idea while walking around Central Park at lunchtime uttering, "Aflac, Aflac." He soon realized how much the company's name sounded like a duck's quack. Aflac Duck has now starred in more than 30 commercials.
Aflac Health Insurance Says
Aflac offers the following variety of health insurance coverage options and types:
- Hospital confinement indemnity - pays benefit for hospital stays when 23 hours or more is required due to a sickness or injury covered by the plan.
- Hospital confinement sickness indemnity - pays benefit for the fees related to doctor visits, diagnostic exams, surgery, and hospitalization.
- Hospital intensive care - pays for associated costs of stays in an intensive care unit.
- Specified health event - payment in the event of a stroke, heart attack, coma, or other covered event.
- Cancer / specified disease - pays benefit for treatment, including chemotherapy, radiation and hospital stays.
Contact Aflac at:
Aflac Worldwide Headquarters
1932 Wynnton Road
Columbus, GA 31999
Telephone: (800) 992-3522
Looking for a new health insurer? Read reviews of the best health insurance companies.