I am 66 yrs of age,, and never before felt compelled to enter any type of complaint.

That cute little duck represents the largest ripoff company known to man. My deceased wife purchased a cancer policy two years prior to her diagnosis of colon cancer.

Everyone 'thinks' they have good insurance--until they have a claim.

If you are contemplating buying an Aflac policy (God forbid) before buying, pretend you have a claim--and call the so called 'claim hotline'. You will get a recording (eventually)--and they will send you a form to submit--During my wifes illness--we submitted 54 claims--NONE repeat None were honored in a routine manner.

Typically you will receive a form 'requesting more information'.Then they will request an explanation from your doctor. To further 'discourage' the policy holder--they break down the claims--(less than $200)--EACH separate claim--must of course be reviewed by your physician. Just what a harried doctor wishes to do--file 8 pages (average)--SO understandably--these forms tend to get buried in the 'IN FILE'.

AFLAC IS WELL AWARE OF THIS--and will go to any length--stall--more information required--anything but honor claim.

I REPEAT we filed 54 claims--not ONE was handled routinely. MY wife had many chemo treatments. These typically cost about 3-5 thousand each. If you take the time to read the 'very small print--you will see that several chemicals are excluded from your policy. The bottom line,, when you file for your claim--you will discover that your 'insurance' is good for an average of $250 on each treatment--in the meantime, the insured--and their loved ones are becoming 'stressed out'--Aflac is obviously aware of this--and the more paper work--the better.

Finally, I WENT TO OUR STATE INSURANCE COMMISSIONER--and we did eventually receive about $4,000 dollars.

1 | 2   Next Page >