This is bar none the most disorganized organization I have ever had to deal with. We could never,…read moreever in good conscience recommend this company to anyone. I am helping out a loved one that has an insurance policy with Aflac. Her policy was cancelled by an Aflac agent after we called to inquire whether she owed money to keep it in good standing and make any necessary payments before the due date. Not sure how the Aflac agent could have cancelled her account without her permission, but this has been a big problem and required a lot of time on the phone with Alfac. Huge red flag. Since then, every single agent I have spoken to says she has to do something different to reinstate her policy. One of the agents asked for us to write a letter to Alfac and fax voided cancellation check. We did that. A few weeks later I called back to check on things, and another agent said, the previous agent should have told you to fill out a form too. We then filled out the form and faxed it to Aflac. I checked in with Alfac a month later and another agent said we had to send in that same form a second time because the previous agent didn't send it to the correct location. Before this experience, I was curious about using Aflac. The only good thing that has come out of this terrible experience of over 3 months of back and forth with Aflac is that I know to never consider them as an insurance carrier. The agents are nice, but their training is horrible and not one agent that has assured us that they would look into her status has followed through. They are all saying different things and it doesn't seem to matter that this problem was due to a rogue agent cancelling her insurance without her permission in the first place. What a horrible mess of a company. The nutshell is if you are a client with Aflac and they make a mistake, You, the client correct Aflac's mistakes. If a trustworthy company realizes one of their agent makes a mistake, they do what they can to make it right. That has been the complete opposite for us. We have to do everything we can to fix their mistakes. I don't think I could trust these guys.

I made a claim on my Cancer Policy and AFLAC came through brilliantly. They lived up to their…read morestated policy and did so promptly. They more than made up from my previous experience which was tied to a different experience.