Accident Idemnity Advantage

Accident Indemnity Advantage Policy

24-Hour Individual Accident-Only Insurance

If you’ve ever been out of work because of an injury, you know there are two things that are hard to come by:

Peace of mind and cash benefits

What would the financial impact of an injury mean to your security? Are you prepared for medical debts in addition to everyday household expenditures and lost wages? Perhaps the accident itself could not be prevented, but its impact on your finances and your well-being certainly can be reduced.

Aflac pays cash benefits directly to you, unless you choose otherwise. This means that you will have added financial resources to help with expenses incurred due to an injury, to help with ongoing living expenses, and purpose you choose.

The Accident Indemnity Advantage Policy has:

·         No deductibles and no copayments.

·         No lifetime limits.

·         No network restrictions – you choose your own medical treatment provider.

·         No coordination of benefits – we pay regardless of any other insurance.

Aflac is a market leader with more than 50 years in the insurance industry. We continue to be ranked the number one provider of individual health and guaranteed-renewable insurance in the United States, and we work hard to meet your insurance needs.

Please contact us with questions you may have or to sign up for this Accident Policy.
 

This information is for illustration purposes only and does not imply coverage.  Refer to the policy and riders for complete details, limitations and exclusions.*

Maximum Difference Cancer Indemnity Insurance

Maximum Difference

Cancer Indemnity Insurance

The Need

Despite the best efforts of doctors, researchers, and countless organizations, cancer remains a concern for many individuals and families. People from all walks of life are at risk.

In the Unites States men have slightly less than a 1 in 2 lifetime risk of developing cancer; for women the risk is a little more than 1 in 3.

While major medical insurance can help with the cost of cancer treatment, you may still have out-of-pocket expenses that are not covered by major medical insurance, including travel, food, lodging, childcare and household help. Not to mention your regular living expenses. And if a family member has to stop working to take care of you, the loss of income could double.

The Maximum Difference Cancer Insurance Policy:

·        No deductibles or copayments.

·        Fully portable.

·        Guaranteed-renewable.

·        No network restrictions – you choose your own medical treatment provider.

As long as cancer is in this world, Aflac will innovate to fight it.

In 1958, Aflac introduced its first cancer policy. The goal was to help protect individuals and their families from the damage cancer can do both physically and financially. By paying cash benefits to its policyholders, Aflac’s coverage provided a level of freedom that many major medical insurance companies simply could not.

Today millions of individuals are still battling cancer and about 1,437,180 new cancer cases were expected to be diagnosed in 2008.* But the fight against cancer has changed in many ways. Advances in pharmaceuticals, surgical procedures and alternative treatments have improved the odds for those diagnosed with the disease, and Americans diagnosed with cancer are living longer than ever. But with improved treatments, increased costs have arrived as well. Aflac’s Maximum Difference Policy addresses these concerns with benefits that reflect evolving cancer treatments.

One day, cancer will cease to be a threat. Until then, there’s Aflac.

*Cancer Facts and Figures 2008, American Cancer Society

This information is for illustration purposes only and does not imply coverage.  Refer to the policy and riders for complete details, limitations and exclusions.

Individual Short-Term Disability

Individual Short-Term Disability

Disability Income Protection Advantage- this is only available through an employer.

The Need

Becoming disabled is often an unexpected and burdensome experience, and it can happen to anyone. What if a disability interrupted your life? How would you make your house or rent payment, or even cover day to day expenses? These are important questions to consider as a disability could adversely affect your finances and well being at a time when you should be concentrating on recovery.

Consider These Facts:

·        About 62 million people in the United States have some disability that affects daily activity. 1

·        Approximately two-thirds of those with disabilities are younger than 65. 1

·        Around 3 in 10 people entering the workforce today will become disabled before retiring. 2

When disabled you may lose the ability to earn a living, you may even lose savings, retirement funds, or your home. The financial obligations can be overwhelming. Disability insurance plays an important role in your financial planning.

How Aflac Can Help

Aflac’s Disability Income Protection Advantage benefits provide a source of income while you concentrate on getting better.

·         Your Aflac plan stays with you even when you change or leave a job.

·         Aflac pays you a cash benefit for each day you are disabled.

·         Aflac does not coordinate benefits. Regardless of any other disability insurance you may have, we will pay you directly.

Peace of mind. Cash benefits. Knowing that you’ll have help in the event of disability. All are good reasons to strongly consider the benefits of Aflac.

1.        “Disability and Health in the United States, 2001-2005,” National Center for Health Statistics, 2008.

2.        Social Security Administration Fact Sheet 2007.

This information is for illustration purposes only and does not imply coverage.  Refer to the policy and riders for complete details, limitations and exclusions.