is aflac worth it reddit

I'm thinking of buying it again for the vision (I wear contacts), dental (no major work needed other than exams and teeth cleaning but no dental insurance either) and possibly accident or short term disability. I work for a small company that offers few benefits, but had AFLAC come in for add'l benefits. As a mother of four rambunctious kids I would have to say we've got our monies worth!

I've worked in many sales roles, and my gut reaction to this presentation was "ripoff" and "nope.". Worth it!

What does AFLAC pregnancy coverage provide? The one thing that concerns me is that you felt the agent was dismissive of your concerns and questions. This is accomplished by paying benefits directly to you, giving you a buffer to overcome the potential financial burdens of an unexpected hospital stay, illness, or accident.hea.

Unlike most insurance companies, though, Aflac focuses on supplemental insurance. Or you could turn 28 and be told you have cancer and get 100s of thousands in health care paid for. For example, if you’re recovering from a stroke, you may request that the entirety of your benefit is paid to you all at once, or elect for smaller payments as you go through recovery and therapy. What are your thoughts, r/frugal? And this!" I was trying to ask questions about the fine print, but she seemed to dismiss me a bit. It does, however, also offer life insurance, along with stand-alone dental and vision coverage. Last month DD3 dislocated her thumb-They paid us $150 for the injury, $35 for the follow up Dr's visit.

{"disclosureMessage":" \u003Cp\u003EAdvertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. It offers short-term disability insurance--to cover you against wage loss if you are temporarily unable to work; this coverage, from Aflac and other companies, is available only through payroll deduction from an employer.

Thanks for all the responses.

He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Supplemental insurance is a great choice for you if you believe you’re at risk for needing it. The premiums are super affordable and the potential payout is tremendous.

It has not been previewed, commissioned or otherwise endorsed by any of our network partners. I learned that I don't qualify for the cancer coverage (you have to be 5 years cancer free, which I am only 2). I remember one of my coworkers had to use it for an accident involving needing a couple stitches. So...maybe not cost effective through 2. :-/. If she had a cancer insurance policy, these out-of-pocket costs may have been covered.

The only reason I'm 'former' rather than 'current' is because it turns out I'm great at servicing but bad at sales. Press J to jump to the feed.

I got pregnant a month or two after and it could have easily been backed up by records from my doctor, if they would have allowed me to turn them in. Members: 80,666, © 2006 - 2020 Insurance Forums - All Rights Reserved, (You must log in or sign up to reply here. They may also be affected by your health status if it’s an underwritten policy.

You do, however, want to ensure that the accident policy premiums are taken out of your paycheck AFTER taxes. But I know more who have failed within a few months.

I can't speak for AFLAC specifically, but I feel that some form of disability insurance is wise if you are the sole or major breadwinner in your household and have others dependent on your income. Press J to jump to the feed. My wife and I both have medical coverage and we both have life insurance.

In my case, my employer pays the premiums in full. Having virtually no business connections, as. Our friends signed up for AFLAC for pregnancy coverage right before they started trying for their first born. Be sure to speak with your agent to ensure your policies give you as much coverage as you deem affordable and necessary.

A critical-illness policy, for example, may only cover one or two specific illnesses. Messages: 1,262,266 | True that. I'm a licensed agent, so let me make some recommendations. The site does not review or include all companies or all available products.

We discuss below how much money you can expect to pay on premiums. Otherwise, I haven't gotten injured at work or outside of work to use this insurance. Hi guys! Bread winner, worth the risk. {"addHiddenFields":true,"buttonText":"Find Insurers","customEventLabel":"","defaultProduct":"health","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--887","isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"default","title":"Find Cheap Health Insurance Quotes in Your Area","trackingKey":"_5-things-know-about-supplemental-in","trustMessage":"It's free, simple and secure.","vendor":"vp"}.

Background: We currently have supplemental insurance with Allstate, but our former agent left so now they want to switch to Aflac. Insurance. It runs me $20/mo for short term, $14/mo for long term. The time you spend in hospital, or simply ill at home, may also result in lost wages.

As for the fine print, did the agent give you a copy of the product brochure? I got aflac for pregnancy coverage as well. Questions: I'm now in my early 30s and active, should I consider buying it now or later? This. Aflac’s term and whole life insurance policies sold through work offer $500,000 of coverage to employees under 50 years old. Had an AFLAC rep come into work today and give us her pitch.

As I recall, we all likened it to having to do a medical mail-in rebate for some of the money back after the bill was paid (because it was the only insurance most of us had at the time). If not for the pregnancy, though, and the fact that she has medical problems that actually allow her to regularly collect claims, it wouldn't be worth it.

Aflac! I know this isn't life insurance or health insurance, but in your opinion when is there a point of having something like this.

You never know when something might happen, so it's better to be safe than sorry.Keep in mind, the supplemental products they are offering to you are not required and are at a discount by virtue of it being through your employer.

One of the accidents was an ankle injury which required surgery, so I ended up getting approximately $3,500 in cash benefits as a result of the various services and follow-up appointments and physical therapy required. That said, it's only like $20/month for the accident coverage. In our case, it was well worth the premiums because it was the only thing we had that resembled health insurance.

I'll stop now) (-__- );;There are a few who are on top of their game and whose opinions I value highly, but their schedules are pretty packed and I'm still small fry compared to their usual clientele and on top of that they would earn no commission. GO with the cheaper option. Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance.

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