Benefits to Employees

  • Policies are Guarantee Renewable
  • Benefits are Portable
  • Claims are paid Cash Directly to the Insured regardless of any other coverage in place
  • Benefits offered at volume discounted Group Rates
  • Benefits available are guaranteed or simplified issue
  • Accident, Hospital and Disability, are offered on a guarantee issue basis
  • Cancer, Critical Care, and Life are offered on a simplified issue basis
  • Electronic deductions of premiums via payroll
  • Employee portal, a secured member website to view enrollment elections, policy review, payroll deduction amounts, educational seminars, information materials, etc
  • Local, bilingual, licensed AFLAC insurance agents

Benefits to Employer

  • No Cost to Employer
  • Benefits available on a Voluntary Basis
  • Employer customized portal available to track and manage employee benefits data
  • Web based service and support
  • Proven technical compatibility with existing payroll system
  • Strategic benefits’ analysis on an ongoing basis
  • Flexible enrollment capabilities; online, call center or person to person
  • Streamlining HR process and procedures

Guarantee Issue Benefits


  • 24 hour injury protection, on and off the job
  • Provides wellness and accidental injury death benefit
  • Dependent coverage for injuries sustained in and out of school, also during sporting activities
  • Guaranteed same premium for 1 or as many dependent children living in the household


  • Designed to help with those out of pocket expenses such as high deductibles and co-payments, related to hospital confinement and other outpatient services such as emergency room, ambulance, doctor visits, surgery, maternity, and other out of pocket expenses not paid by current health insurance carrier.

Disability Income Protector Critical Care and Recovery

  • Pays up to 60% of your annual salary if you are unable to work due to a covered illness, off the job accident and maternity
  • Benefit period from 3 months to 2 years
  • In the event of an accident, there is no waiting period, next day pay
  • In the event of a sickness, a 7 day waiting period will apply 

Simplified Issue Benefits


  • Variety of benefits payable for cancer treatment
  • Initial diagnosis, chemotherapy, radiation, and surgical benefits
  • Guaranteed renewal for life
  • No lifetime maximum

Critical Care and Recovery Life Ptotector

  • Pays benefits to help with treatment expenses related to a critical illness such as, heart attack, stroke, coma, major third degree burns and m any more
  • No lifetime maximum

Life Protector

    • 10-20 and 30 year level term policies
    • Simplified underwriting death benefit up to $250,000

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