The Aflac coverage described is subject to plan limitations, exclusions, definitions, and provisions. For detailed information, please see the plan brochure, as this information is intended to provide a general summary of the coverage. This overview is subject to the terms, conditions, and limitations of the plan.

Aflac Intro:

Aflac is different from major medical insurance. It’s insurance for daily living. If you’re sick or injured, Aflac pays cash benefits directly to you (unless otherwise specified) to help address out-of-pocket medical costs, everyday expenses – whatever you choose. More than 50 million people worldwide have chosen Aflac voluntary insurance products for the added comfort of being better prepared for whatever life may bring.

Why Aflac?

• Cash benefits paid directly to you, unless otherwise assigned
• Benefits paid regardless of any other insurance you may have
• No deductibles or copayments
• Freedom to choose any provider
• Plan stays with you if you leave your job (with certain stipulations)

Aflac Group Accident Insurance

After an accident, you may have expenses you’ve never thought about. Can your finances handle them? It’s reassuring to know that an accident insurance plan can be there for you through the many stages of care. Group Accident Insurance from Aflac helps with out-of-pocket costs that arise when you have a covered accident.

Benefits:

• Guaranteed-issue coverage with no underwriting required
• Benefits are paid directly to you unless otherwise assigned.

Aflac Group Critical Illness Insurance (CAI2800)

The Aflac Group Critical Illness Insurance plan can help with the treatment costs of covered critical illnesses, such as a heart attack or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction over the costs of medical and personal bills. With Group Critical Illness Insurance, you receive cash benefits directly (unless otherwise assigned)- giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.

Benefits:

• Lump-sum benefit for a covered critical illness such as: a heart attack or stroke
• Benefits are paid directly to you unless otherwise assigned.

Aflac Group Hospital Indemnity Insurance

The Aflac Group Hospital Indemnity Insurance plan helps with the out-of-pocket costs associated with a covered hospital stay, including benefits for hospital admission, confinement, and intensive care.

It provides financial assistance to enhance your current coverage if you are hospitalized due to a covered accident or covered sickness.

Benefits:

• Benefits for hospital stays and expenses
• Benefits for hospital admission, confinement, and intensive care

Aflac Group Short-Term Disability Insurance

If you became disabled and couldn’t work, how would you pay the mortgage? Buy groceries? Address all the other bills that won’t go away, just because your paycheck is gone? That’s where the Aflac Short-Term Disability Insurance plan can help make the difference, providing a source of income while you’re taking care of yourself.

Benefits:

• Total Disability Benefit
• Benefits are paid directly to you unless otherwise assigned.

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Aflac Group Whole Life Insurance

Aflac Group Whole Life Insurance helps address your loved ones’ immediate and future financial needs following your death. Immediate needs can include burial/funeral expenses, uninsured medical costs, and current bills and debts. Future needs could include education plans, ongoing family obligations, emergency funds, and retirement expenses. Group Whole Life Insurance from Aflac offers a death benefit, plus a component that may be collected, borrowed, or used to pay the plan’s premiums. The plan may remain in force for a lifetime, as long as the premiums are paid.

Benefits:

• Cash value built at a guaranteed rate of return
• Benefits may be paid directly to your named beneficiary.
• Eligibility that is easily determined with just a few medical questions
• Premiums will never increase for the benefit amount selected on the original plan

Aflac Group Term Life Insurance

Aflac Group Term Life Insurance helps address your loved ones’ immediate and future financial needs following your death. Immediate needs can include burial/funeral expenses, uninsured medical costs, and current bills and debts. Future needs could include education plans, ongoing family obligations, emergency funds, and retirement expenses. Group Term Life Insurance from Aflac provides a death benefit for a specific length of time, usually 20 or 30 years. Coverage expires at the end of the term.

Benefits:

• Coverage available for a specified term
• Benefits are paid directly to your named beneficiary.

Aflac Group Dental Insurance

Help protect your oral health with an Aflac Group Dental plan that puts you in control. It’s a no-deductible plan that offers freedom of choice and no coordination of benefits. Aflac Group Dental Insurance provides benefits for periodic checkups and cleanings, X-rays, fillings, crowns, and much more.

Features:

• No network restrictions
• Guaranteed-issue for all who apply
• Coverage available for you, your spouse, and dependent children
• No deductibles

Note: This is a brief product overview only. Products and benefits vary by state and may not be available in some states. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

Agents located in: Anoka, Ada, Altoona, WI, Bemidji, Blaine, Brandon, Brooklyn Center, Buffalo, Burnsville, Byron, Coon Rapids, Cambridge, Cannon Falls, Dawson, Duluth, Forest Lake, Graceville, Grand Forks, Ham Lake, Hermantown, Hudson, Inver Grove Heights, Isanti, Jordan, Lino Lakes, Little Falls, Medina, Minneapolis, Pequot Lakes, Princeton, Ramsey, Redwood Falls, Rogers, Richfield, St Cloud, St Paul, Thief River Falls, Vadnais Heights, Waconia, Wheaton