Subject: Re: Re: What are your opinions on AFLAC Insurance?

Comments:
: Clueless: : I have heard bad things about them, specifically when there is a claim. But regardless of their reputation, keep in mind AFLAC is supplmental coverage. Do you have a regular disability policy with much greater coverage? A good medical plan? If not, get these taken care of first before SUPPLMENTING with AFLAC. This is a very niche product, so i would proceed with care. : This may or may not be the case with your agent. : Agent : : We had an AFLAC agent come to our office today and offer several plans to us employees. He said that all but one type of coverage is deducted pre-tax from our paychecks, so it will marginally lower our taxes. : : Does AFLAC do what it says? Is it a good value for the premium? (To cover me and my wife with Accident, Hospital, Personal Recovery Plus, Intensive Care, and Cancer; plus just me with Short-Term Disability, it will cost $2,200.00 per year - $91.20 per semi-monthly paycheck) : : I don't have time to do the extensive research required to make an informed decision, so I hope the people who read this board will give me some guidance. : : Please note that the agent did not sell all of those policies as a single "package." I totaled them all up myself since I'm an all-or-nothing personality! lol :) : : Thank you for any advice and guidance. : : Clueless Employee

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