Aflac Informative - Do Your Homework
I have been an agent with Aflac for over 5 years. After reading several of these complaints I am very upset. Aflac is one of the most ethical companies I have ever worked for. They don't try to find ways to not pay claims like heath insurance companies do. As consumers, you need to do your homework when purchasing the products. As agents, we only can give so much information when presenting to companies or employees. Employers tend to not want us to be there for very long. Our products are black and white. We ask questions upon signing up clients and based on their answers a policy is issued. Like any company you have good and bad. If you go to a restaurant that you really like the food, but the server was horrible, are you never going back again? It is also your responsibility to read your policy when you receive it. I have heard people complain that Aflac doesn't pay, but then when you get into the details you find out that they misrepresented themselves or didn't give all the info. They just want to vent because they didn't get paid! This isn't insurance to make money, it is for protection in the event you are hurt or sick. I could go into soooo many stories of how it helped people in such a time of need, etc. but I don't have enough space. As Americans we always want to complain, but how about sharing when things do work. There are bad agents out there but there are also a great deal of us out there busting our butts for our clients. We do everything from A to Z. From enrollment, claims processing, wellness benefits and making sure you are getting the correct payment. I bet if I called on all of you complaining I would find that you either didn't have all the info together or didn't tell the truth when you enrolled. Aflac only has a one year look back for pre-existing, so remember, if you went to a Dr. and were diagnosed with anything within a year and purchased a policy then tried to file a claim, of course it is going to be denied! It's pre-existing! Most people only hear what they want to hear anyways, so I bet most of these complaints are due to not hearing what they were told or trying to get away with something when they know they aren't being truthful. My own brother's wife signed up for Aflac (disability) after going to the dr. and being told she would need a hysterectomy. When she filed the claim it was pre-exisiting. She new this, but hoped it would pay anyways. There is a reason we are a Fortune 200 company. We really do help people when they need us.