Aflac Reviews 96

Country: USA
Description of complaint:
My Sister passed away on Jan 15,2025. She had 5 Aflac
policies, 3 of which should have that should have paid out:
Cancer, Life, SSD,. I filled out the CORRECT paperwork
before her death for the cancer diagnosis, hospital stays
and SSD they back owed her from before her death. I
reported her Death on February 28th and reached out
multiple times for life insurance payment of a significant
amount. To no avail with countless emails and calls. I finally
got a letter 2 months later stating that the Cancer and SSD
WAS NO LONGER PAYABLE BECAUSE SHE WAS DEAD. I
said the claim was BEFORE SHE PASSED??? They then
stated i was not the beneficiary on her Life insurance policy,
and sorry but they couldn't pay me nor could they tell me
who the beneficiary was??? However i have been her legal
POA since 2023, so I legally have a right to this information
Business Headquarters
Location
1932 Wynnton Rd,
Columbus, GA 31999-0001
(800) 992-3522
If you have any questions or
concerns, please contact the
BBB assigned to your
complaint:
Better Business Bureau
serving the Fall Line Corridor,
Inc.
277 Martin Luther King Jr.
Blvd., Ste. 201
Macon, GA 31201-3495
(478) 742-7999
Continued on next Page
Better Business Bureau®
6/19/25, 9:12 AM Step 3 | File Complaint against Aflac | Better Business Bureau
1/4
on her behalf. Long story short, i called over and over and
all they say is "sorry we cant tell you anything". I sent them
the POA paperwork and death certificate and told them to
cancel all her policies which was direct debited monthly in
the amount of$333.15. They said all set , they are cancelled.
So i wrote down the info of who and when i spoke with the
person. Of course thy did not cancel it saying "We never
received the paperwork" OF COURSE THEY DIDNT! I
certified it and mailed it to corporate. I also resubmitted on
April 23,2025 for the life insurance policy stating me as the
beneficiary with a copy of the notarized change that she did
in 2022. I was then sent paperwork 2 days later to apply for
the life insurance on behalf of her estate. So i did that.
CRICKETS! So i call again, I was told "its in process" and we
are now at the end of June, so 5 months later not only are
they collecting interest on HER money but i have also been
charged the $333.00 every month since she died. I am
grieving my sister and yet they can abuse and literally steal
our money! in exhausted with this and i need a resolution.
completel and utterly disgusted!

Date of experience: January 15, 2025

I’ve paid into Aflac for 8 years, I had dental work done recently- a bridge replaced and they denied my claim and paid no part of it. The most the claim would have been was about $650. I paid $3000 out of pocket. What a horrible unethical company. They denied because they said I lost the original tooth before I was insured by them. It’s crazy to not have a bridge replacement covered. The portion they could have paid if they were fair and ethical would have been worth it to keep me as a lifelong customer. But they lost an 8 year customer over $650.

Date of experience: May 19, 2025

I have had Aflac for many years at $47 a month with all the beels and whistles and they have never once paid a claim. Reciently I developed a major heart condition including Cardiomyopathy and congestive heart failure. I had major heart surgery to correct the condition and prevent stroke or death. Missed work for 7 weeks. Aflac sadd it was not serous enough and denied my claim.

Date of experience: May 01, 2025

Absolutely worst supplemental insurance company I've ever had dealt with. I recently needed eye glasses. Upon contacting Aflac the employee couldn't communicate very well and certainly couldn't communicate in English. I was told I didn't have a vision policy. Finally after finding an employee that knew how to communicate I was told what I knew to be true that I had a policy. I spoke with a tier one manager who was polite and courteous and she did her best to accommodate me.
After a few days I contacted Aflac again and was told I could drive 34 miles to Georgia from Hilton Head SC and I could use my policy there a few days after being told I could use the vision center here on the island. The absolute worst part of dealing with this inept company was I never received my vision ID cards four months after signing up for the policy. Suffice to say I've cancelled my policy and I feel completely ripped off. Stay away at all costs.

Date of experience: April 17, 2025

If I could rate Aflac less than zero, I would. I had several serious medical problems last year. The paperwork required to submit a claim was clearly designed to avoid submitting a claim. Each claim took many hours - physicians examination records, was it an accident? A hospitalization? A critical health problem? If you filled out the wrong form, rejected out of hand. All of my claims were essentially rejected, with a pitiful $150 check sent on medical bills in the thousands of dollars. Supplemental insurance to protect your finances? It is a total joke, or if you like, a sham.

Date of experience: April 15, 2025

AFLAC IS A SCAM. I purchased a 12 month disability police through my employer. After a few years my employer dropped Aflac for what they found better.
I was told I could continue to pay direst and did. 2015 my doctells me it's time to stop working and submitted the required documents. After three months social security approved me, but Aflac said I need documents from my employer. They have no record of my disability because I was working directly with Aflac. They continue to collect a monthly payment knowing that I could never collect. We I requested a refund it also was denied.

Date of experience: February 21, 2025

called for a quote this company discriminates once they find out a person is over 60 they wont insure smh losers

Date of experience: December 27, 2024

Worst company. Do not sign up with them. They spend a lot on advertising to bring you in only to find out they will never pay any claims.
Why hasn't the government shut them down !!

Date of experience: November 14, 2024

I called for forms and help in filling out to collect on my cancer surgery. They send these forms. No one explains anything. It’s so confusing.
I need an office I can go to with this paperwork and have someone help me.

Date of experience: October 02, 2024

I been a client for 12 years and the one time I file a claim they dragged there feet forever saying it’s under review I will be canceling my account

Date of experience: October 11, 2024

I called and reviewed my situation with customer service before starting the process. Completed all questions and submitted all supporting documentation. Claim was denied - reason no paid premiums. Provided proof of paycheck deduction documentation each month. Claim still denied.

Date of experience: August 30, 2024

I have been a policy holder for over 10 years. tried to cancel my policy and when I called they said leave a number and they will call back. tried 4 times--no call back. went to chat site, works great to make a payment or buy a policy. does not work to cancel. imagine that. I do not recommend.

Date of experience: July 30, 2024

Aflac sends mail to my address for someone who moved 4 years ago when I bought my house! If their records are this outdated, what information is the intended recipient missing out on?

I must have at least sent back 10 of these pieces of mail with a note asking Aflac to update their records. I’m still getting her mail to this day.

I filed a complaint with the BBB earlier this month. The woman employee who my complaint has been assigned to, Cindy Hofstetter, has been completely unresponsive.

I comment on Aflac’s social media posts looking for answers, and nothing.

It’s clear that Aflac thinks ignoring problems will make them go away and that they don’t care about customer service or potential damage to their brand’s image.

NEVER USE AFLAC

Date of experience: July 29, 2024

I am not a customer but Aflac keep contacting me saying that I am, this is either fraud or a real customer has used a wrong email address. Either way I contacted them in May 2024 and asked them to check and let me know the outcome, they have not responded.

I still get emails from them regularly as though I am a customer.

Date of experience: June 16, 2024

Have had AFLAC policies continuously since 1970.
In 2022, received NO statements for Premiums due in the US Mail. My policy had been cancelled and it was difficult to get it reinstated.
We pointed out to AFLAC in 2022, that by terminating policies, **the company would save tens of millions in claims they would not have to pay. **
AFLAC is no longer a reliable, accessible insurer. They had not received my payment check sent June 15 and Due July 1. Customer Service conversation June 27, 2024 i gave a credit card number to avoid any possible lapse in coverage.

Cannot recommend AFLAC for any reason. They must be monitored by the client. 15 million world customers should enhance the customer service, not make it unavailable.

Date of experience: June 27, 2024

I have been a member since 1998 for the cancer insurance. First sent a claim for Melanoma on my forehead after sending all they wanted, claim denied, in my opinion they are for them to make money not pay the claims I filed a claim in BBB yesterday they have almost 800. complaints, in my opinion the Duck is a Lame Duck.will cancel next year already paid for 2024.

Date of experience: May 06, 2024

Cancelled my policies I have been a policy holder since 1996. This last 2 years have been horrible customer service. Removed my son for no reason when I only removed my oldest son due to his age and would not provide the documentation as to why. Only put my husband on 3 of my 5 policies with no explanation even after I provided copies of the policy changes. DONE AFLAC is the worse and I will share that with everyone

Date of experience: June 12, 2024

They keep changing the time they need to review my hospital indemnity claim. Its been almost a month since I filed and they keep changing the review date

Date of experience: June 11, 2024

Terrible customer service. Denies claims due to billing not being done as they see fit. Absolutely a joke don't waste your money. Mutual of Omaha on the other hand has been amazing.

Date of experience: May 22, 2024

Lack of Customer Service and Information
My father has a cancer policy and I went on line to get information. I was logged into the chat room and they hung on me sending me to another web site. No phone # to call or someone to talk to. I am a business owner and I have a policy for the last 30+ years. I am not sure I will keep my policy or recommend them to my employees in the future. Shane Applebee - 0FQL6 customer #.

Date of experience: May 15, 2024