Aflac life insurance
Aflac is famous for supplemental health cover, and most of its life insurance is sold through employers rather than direct to someone buying a burial policy.
Rating read from AM Best on 2 September 2026. AM Best calls A+ superior: the strongest assessment am best gives. How we check ratings.
The verdict
A very strong company selling a product that is mostly not aimed at you. If it is offered through your employer it is worth taking, and if you are shopping for a small policy to cover a funeral, the specialist final expense carriers are built for it and Aflac is not.
We do not represent Aflac
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- A+ Superior financial strength, affirmed September 2025
- Excellent claims reputation on its core supplemental products
- Group life through an employer is usually cheap and easy to get
Against it
- Life insurance is a sideline, not the core business
- Workplace group cover usually ends when the job does
- No dedicated small face final expense product of the kind this market needs
How it treats your health
Workplace group life is often guaranteed issue up to a limit with no health questions, which is genuinely useful. Individual products are conventionally underwritten.
What it actually sells
Supplemental health as the core, plus term and whole life, largely through worksite enrolment.
The waiting period
Group life through an employer generally has no waiting period. Individual products follow standard contestability.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, face amount and whether the cover is individual or group.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Aflac would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
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Questions people ask about Aflac
Does Aflac sell burial insurance?
Not as a dedicated product. It sells life insurance that can pay for a funeral, mostly through employers. If you want a small policy written specifically for funeral costs, look at the specialist carriers.
What happens to Aflac life insurance when I leave my job?
Group cover usually ends or becomes far more expensive to keep. This is the single biggest reason people over sixty end up buying an individual burial policy after retiring.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.