Subject: Re: Re: Re: Re: Seeking info re AFLAC & Supplementary Insurance

Comments:
: While AFLAC certainly does not enjoy hearing of the experiences of a dissatisfied policyholder, Mr. Fleming makes a number of inaccurate and inflamatory statements. Without being specific, it is stated that "the benefits were not their (sic) for us." The question is: what policies did you sign up for? If someone has a Cancer policy, obviously they cannot collect on an accident claim. If someone has an Intensive Care policy, obviously they can collect on a heart attack claim. As for not being able to cancel the policies, every new client has IRS regulations explained very carefully by the agent. Because the employee was to receive a "tax break" thanks to IRS Section 125, it is made clear to the client that the tax break (and policies) can only be changed once per year, at "open enrollment" as stipulated by the INTERNAL REVENUE SERVICE, not AFLAC. No doubt, the wife signed a document stating that she understood this. (The "Salary Redirection Agreement.") To now blame AFLAC for "worming" its way into the market via ERISA is both unfair and simply not factual. For $92 per month, there is no doubt that Mr. Fleming and his wife received a great deal of coverage; a number of supplemental insurance policies that are well worth the nominal cost. As for AFLAC reaping a "windfall," fully 85 cents of every dollar takes in is eventually paid out in claims to policyholders; more than $4 million EVERY DAY. Millions of satisfied policyholers attest to this. I strongly suggest that you again review your polcies -- it's very likely that you'll be using them one day. : Yours, : WBS : My wife started a new job about a year ago; an AFLAC agent came to the job, at a Law Firm in Sacramento CA, and touted the insurance and made many claims about the advantages. Unfortunatly, my wife signed up for AFLAC at $92 a month. After approximately four months we noticed the benefits were not their for us and that the expense was too great. My wife tried to cancel the insurance and to our dismay, we learned she was unable to do so. It seems AFLAC has wormed its way into the market using the provisions of ERISA to lock people such as my wife into paying premiums for the full year, despite their want to cancel the insurance. We already have Kaiser and the whole issue has disgusted us with AFLAC which pays nothing out (my wife is pregnant, I have had a hospital visit and a doctors appointment in the past and nothing qualified for any benefit). AFLAC will always mean a fraudulent way to reap in a windfall of money off the backs of employees who can least afford it in a very sneaky and undisclosed way.

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