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Guaranteed-Issue Life Insurance

Get life insurance coverage up to $50,000 for companies 3-29 employees, $100,000 for companies 30-99, Max GI is $150,000 Approval is guaranteed when you enroll during this Open Enrollment. Once OE ends, new or increased coverage may require medical underwriting.

Guaranteed-Issue Cancer Insurance

Take advantage of this guaranteed-issue cancer insurance offer — no medical underwriting required. Choose the level of cancer coverage that fits you best. This is a limited 2026 offer with an enrollment window of 45 days or less.

Guaranteed-issue offer not available in NH, NM, NY, OH, SD, or VA.

Click here to see if you are eligible to claim your wellness benefit. Accident and cancer policies typically include a wellness or health-screening benefit that pays cash once every calendar year, for the insured and/or each covered person. File a claim after routine screenings — an annual physical, bloodwork, a mammogram, or a colonoscopy. Many people forget they are owed it.

Marriage, divorce, or a new baby are the moments to review who is listed on your life insurance. Updating your beneficiaries makes sure your benefits go exactly where you intend.

Supplemental plans pay cash benefits directly to you for covered accidents, hospital stays, and screenings. If something happened this year, check whether you can file — do not leave benefits on the table.

Aflac supplemental policies are portable, so you can often keep them even if you change jobs or retire. Sign up for Aflac Always now so that if you leave for any reason, they can bill you individually at the same low group rate.

Most plans let you add or drop coverage outside open enrollment within 30 days of a qualifying life event — marriage, birth, adoption, or losing other coverage. Please do not wait for next year.

Add new dependents promptly and remember that children usually age off coverage at 26. Keeping your records current prevents surprises when it is time to use your benefits.

If you have a Flexible Spending Account, remember most funds are use-it-or-lose-it. Check your balance before December so you do not leave your own money behind.

Download your MyAflac app to register your policies, file a claim, upload documents, and check your benefits in minutes. It is the fastest way to get paid.

Annual physicals, dental cleanings, and eye exams are typically covered at 100% when you stay in-network. Use them every year — they are already paid for.

A short, high-level overview of every benefit from your enrollment webinar recording. Watch the recording →

Schedule an appointment to enroll and get all your questions answered. Book now →

You do not have to wait for open enrollment. Reach out to your benefits contact whenever something comes up. Get in touch →