Aflac vs. Cigna Life Insurance [2025]

As individuals embark on the quest for optimal life insurance, the juxtaposition of AFLAC and CIGNA emerges as a decisive exploration into coverage rates, plan versatility, and potential discounts. This analysis, focused on “Aflac vs. Cigna Life Insurance,” unveils key considerations, including coverage flexibility and customer reviews, ultimately revealing which company offers the most advantageous rates across diverse customer profiles. Whether you’re drawn to AFLAC’s personalized approach or find appeal in CIGNA’s employer-based plans, this succinct comparison serves as an insightful compass, guiding you toward the most fitting life insurance solution for your unique preferences and circumstances.

AFLAC

AFLAC Life Insurance Plans

AFLAC (American Family Life Assurance Company of Columbia) offers several life insurance options for individuals in the United States, with detailed riders for its Juvenile Life Insurance options which provide coverage of a policyholder’s children.

AFLAC provides its life insurance products directly to individual purchasers, not through employers, so its plans carry no portability provisions for continued coverage after employment ends.

AFLAC Term Life Insurance

AFLAC’s Term Life Insurance plans are available for terms ranging from 20 to 30 years with the option of renewing the policy for an additional term after the policy expires.

Term Life Insurance is available to any purchaser without a medical exam and is considered the most economical of life insurance plans. Term Life covers the individual policyholder, with Juvenile Term Life riders available for the coverage of children.

AFLAC Whole Life Insurance

Whole Life Insurance offers not only a death benefit, but also a portfolio-based investment component that can be collected, borrowed against, or used to pay the premiums on the policy itself.

AFLAC’s Whole Life Insurance can remain in effect for life as long as policy premiums are paid, and purchasers can work with AFLAC representatives to establish the investment aspects of the policy for maximum return. Whole Life Insurance can also be purchased with a Juvenile Rider to cover eligible children.

AFLAC’s Juvenile Life Insurance Riders

Any purchaser of a Term or Whole Life Insurance Policy through AFLAC can also add a Juvenile Rider to cover children. These riders establish benefits for covered children from ages 14 days to ages 17 (for Whole Life) or 25 (for Term Life), with the option to convert to a standard term or whole life policy in their own name after that time.

Juvenile Term Life policies continue until the anniversary year after the child’s 25th birthday, at which time the child can choose to purchase an individual Term Life plan. Juvenile

Whole Life Insurance policies double on a covered child’s 18th birthday, after which the child can also elect to continue coverage with standard individual Term Life. Coverage options include $10,000, $20,000, or $30,000, and total life coverage may not exceed $30,000.

Both Juvenile Term and Whole Life Insurance plans provide coverage even if a child is diagnosed at a young age with a serious health condition. In this case, the covered child can still purchase an individual policy once coverage under Juvenile Term Life ends. However, plans do not cover death by suicide within 2 years of the policy date; in that event, benefits are limited to a refund of premiums paid to that date.

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CIGNA’s Life Insurance Plans

Unlike AFLAC’s plans, CIGNA’s Term Life and Universal Life insurance options are available only through participating workplace programs. CIGNA, a merger of Connecticut General Life Insurance and the Insurance Company of North America, works with both small and large organizations in 29 countries to cover employees working at home and abroad.

Read more: Connecticut General Life Insurance Company: Customer Ratings & Reviews 2023

CIGNA’s plans offer several provisions not only for the usual death benefits but also for assistance in the event of certain disabilities and illnesses. Unlike AFLAC, CIGNA offers no Whole Life Insurance plan and has no specific options for children’s coverage, although its Term Life Insurance plans offer a wide range of benefit options for assistance during illnesses and disability.

Because CIGNA’s plans are employer-based, they include a portability option for continued coverage if an employee leaves the company or changes status from full-time to part-time.

CIGNA Term Life Insurance

CIGNA’s Term Life Insurance is available in terms of 10 to 30 years and can be renewed once the policy’s term expires. In addition to paying a death benefit, the policy offers a number of Living Benefit options to assist policyholders in the event of other serious life events:

• Critical Illness Benefits assist employees diagnosed with life-threatening illnesses such as cancer, heart conditions, or AIDS. These benefits can be claimed for the duration of a covered illness, with the balance still payable as a death benefit.
• Terminal Illness Benefits offer a payout of 50% of the death benefits directly to a covered employee diagnosed with less than 12 months to live.
• The Waiver of Premium maintains coverage without payment of premiums for employees under 60 who face a covered, temporary disability. No premiums are charged for the duration of the disability.
• Disability Continuation maintains policy coverage for a limited time for employees over 60 who become disabled. These employees can continue the policy on a premium-paying basis for up to 12 months.

CIGNA’s Universal Life Insurance

Like Term Life Insurance, CIGNA’s Universal Life Insurance provides financial protection for a specified term of time. However, in addition to the benefits payable upon the death of a policyholder, this plan also includes a Cash Accumulation Fund, which earns time-deferred interest.

This option allows employees to protect themselves while building savings and guarantees a minimum return of interest within 30 days of enrollment.

While CIGNA’s Term Life Insurance policies are available through any participating employer, Universal Life Insurance plans are provided only through organizations having 500 or more employees.

Read more:

• Cigna Health and Life Insurance Company Review
• Cigna Insurance Company(Formerly United Benefit Life Insurance Company) Review

AFLAC and CIGNA: Individual vs. Workplace plans

Both AFLAC and CIGNA offer a variety of insurance products for the financial well-being of individuals and their families. AFLAC’s plans can be purchased directly from the company by any individual; however, CIGNA’s plans are workplace-focused, while AFLAC;s plans are available to any individual regardless of employment.

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Aflac vs. Cigna Life Insurance: Unveiling the Claims Process Comparison

Ease of Filing a Claim

Both AFLAC and CIGNA offer life insurance products, but the ease of filing a claim can vary. AFLAC provides its life insurance products directly to individual purchasers, making it relatively straightforward to file a claim as an individual policyholder. On the other hand, CIGNA’s life insurance options are available only through participating workplace programs.

This means that if you have CIGNA life insurance through your employer, you may need to go through your workplace HR department to file a claim, which can add some complexity to the process.

Average Claim Processing Time

The average claim processing time can be a crucial factor when evaluating an insurance provider. Unfortunately, the provided content does not offer specific information about the average claim processing times for AFLAC and CIGNA.

To make an informed decision, it’s essential to reach out to both insurance companies directly or consult customer reviews and ratings to get a better understanding of their claims processing efficiency.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when assessing an insurance provider’s performance in handling claims. However, the provided content does not include specific customer feedback regarding claim resolutions and payouts for AFLAC and CIGNA.

To gauge the satisfaction of policyholders, consider looking for customer reviews, testimonials, and ratings on independent review websites or consulting with a licensed insurance agent for insights.

Aflac vs. Cigna Life Insurance: Exploring Digital Advancements and Technological Features

Mobile App Features and Functionality

Both AFLAC and CIGNA may offer mobile apps to facilitate various aspects of insurance management. Unfortunately, the provided content does not detail the specific features and functionality of these apps.

To assess their mobile app capabilities, you should visit the official websites of AFLAC and CIGNA or consult their customer support for information on app features, such as policy management, claims filing, and account access.

Online Account Management Capabilities

Online account management can significantly enhance the convenience of managing your insurance policies.

While the content does not specify the online account management capabilities of AFLAC and CIGNA, you can explore their official websites or contact their customer support to learn more about features like online policy access, premium payments, and document management.

Digital Tools and Resources

Digital tools and resources provided by insurance companies can vary widely and may include educational materials, calculators, and other resources to help policyholders make informed decisions.

To understand the digital tools and resources offered by AFLAC and CIGNA, visit their official websites or inquire with their customer support teams for details on the available resources to support policyholders in their insurance journey.