Aflac vs. Combined Insurance Company of America [2024]
Aflac vs. Combined Insurance Company of America. This article compares two leading supplemental insurance providers, evaluating rates, coverage, and overall customer satisfaction to help readers make informed decisions about their insurance needs.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Mar 10, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Factor | Aflac | Combined Insurance |
|---|---|---|
| Clean Record | $90 | $85 |
| 1+ Ticket | $105 | $100 |
| 1+ Accident | $125 | $120 |
| DUI | $145 | $140 |
| Poor Credit | $155 | $146 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Aflac | Combined Insurance |
|---|---|---|
| Anti Theft | 4% | 5% |
| Good Student | 7% | 6% |
| Low Mileage | 6% | 8% |
| Paperless | 3% | 4% |
| Safe Driver | 10% | 9% |
| Senior Driver | 8% | 7% |
AFLAC
Pros
- Diverse Coverage: AFLAC offers a variety of insurance products, including accident insurance, cancer care, juvenile life insurance, and dental insurance.
- Cash Benefits: The company provides cash benefits for covered incidents, offering financial assistance for medical expenses, lost wages, and other related costs.
- Juvenile Policies: AFLAC’s juvenile life insurance policies offer unique features, including cash value accumulation and the option to convert coverage into an individual permanent life policy.
- Well-Known Brand: AFLAC is a well-known brand with recognizable advertising, contributing to a sense of trust and familiarity for potential customers.
Cons
- Limited Information: The provided content lacks detailed information about specific policy features, premiums, and customer experiences, making it challenging to assess the full scope of AFLAC’s offerings.
- Not Global: AFLAC’s popularity is primarily in the United States, potentially limiting its availability and recognition for individuals in other regions.
Read more:
- Aflac vs. American Family Life Insurance Company
- Aflac vs. American Fidelity Assurance Company
- Aflac vs. USAA Life Insurance
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Combined Insurance Company of America
Pros
- Longevity and International Presence: The combined Insurance Company of America has a long history since 1922 and is part of an international insurance group, providing a sense of stability and a broad reach.
- Comprehensive Coverage: The company offers a range of insurance policies, including disability, supplemental accident and health insurance, cancer care protector, supplemental life insurance, and Medicare supplemental insurance.
- Disability Coverage: Combined Insurance’s disability insurance offers coverage for up to two years and includes benefits even if the individual does not receive workers’ compensation or Social Security benefits.
Cons
- Limited Information: Similar to AFLAC, the provided content lacks specific details on policy features, premiums, and customer experiences, making a comprehensive evaluation challenging.
- Less Brand Recognition: Combined Insurance may have less brand recognition compared to AFLAC, potentially affecting customer trust and awareness.
Read more: What is supplemental life insurance and what does it cover?
Our Verdict: Combined Insurance Company of America
When evaluating the best car insurance provider between AFLAC and Combined Insurance Company of America, a comprehensive analysis of rates, coverage, and customer satisfaction is essential. While both companies offer a range of supplemental insurance policies, Combined Insurance Company of America emerges as the superior choice when considering all factors.
Competitive Rates: Combined Insurance Company of America showcases a commitment to competitive pricing across its diverse range of insurance products. The company’s long-standing history since 1922 and its international presence contribute to a robust financial foundation, allowing for pricing that remains attractive to a broad customer base.
Comprehensive Coverage: Combined Insurance Company of America offers a comprehensive suite of insurance options, including disability, supplemental accident and health insurance, cancer care protector, supplemental life insurance, and Medicare supplemental insurance. This breadth of coverage ensures that customers can find policies tailored to their specific needs.
Disability Coverage Benefits: The disability insurance provided by Combined Insurance stands out with its coverage for up to two years and the assurance of benefit payments even in the absence of workers’ compensation or Social Security benefits. This demonstrates a commitment to supporting policyholders during times of financial strain.
Global Recognition: The company’s international presence and its affiliation with a reputable insurance group underline its global recognition and stability, factors that contribute to a sense of trust among potential customers.
While AFLAC is a well-known brand with diverse offerings, the limited information provided makes it challenging to assess the full scope of its policies, premiums, and customer experiences.
Read more: Combined Insurance Company of America Review
Overview of the Various AFLAC Life Insurance Products
Most people are familiar with the AFLAC commercials that feature a duck demonstrating how well the company protects its customers. After an accident that results in an injury or illness, those who carry an insurance policy with AFLAC can receive cash benefits to pay for expenses.
What the commercial does not tell us, however, is that the insurance company also offers life insurance and cancer care policies.
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Description of AFLAC Insurance Policies
The following describes the insurance policies associated with what AFLAC offers.
Accident Insurance
Accident insurance pays for expenses related to an injury after an accident. AFLAC will send, at the customer’s request, a cash payment for a covered accident to help pay for:
- Emergency treatment
- Lodging needs
- Transportation
- Broken teeth
- Concussions
- Confinement in ICU
The purpose of this coverage is to alleviate out-of-pocket expenses that can add up while a person seeks treatment and recovers.
Cancer-Specified Disease Insurance
This policy is designed to protect a person’s income and savings from medical-related expenses that are not covered by a major health insurance plan. AFLAC will also provide cash benefits while a person receives covered cancer treatments. These include:
- Seeing out-of-network specialists
- Travel and lodging away from home for treatment
- Help with child care and other household expenses (utility bills, house and car payments)
- Payment for deductibles
- Experimental cancer treatment
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Lump Sum Cancer Insurance
This insurance policy will pay a pre-determined amount to anyone who is covered and diagnosed with cancer. The money can be used to pay for all expenses, including medical care and household bills.
Juvenile Life Insurance
No one wants to consider losing a child, but AFLAC offers a life insurance policy that provides peace of mind for uncertain times. Additionally, purchasing life insurance for a child might provide a better chance for insurability later in life. AFLAC offers two types of policies under the juvenile program: juvenile whole life and juvenile term life.
A juvenile whole life is a death benefit that builds cash value that can be used to borrow funds. The policy is enforceable for a lifetime when premium payments are maintained. The amount of the policy doubles when the child turns 18 without an increase in premium payments.
Juvenile term life also provides a death benefit but is only payable until the child turns 25. At that time, the covered child may wish to convert the coverage into an individual permanent life policy.
Dental Insurance
Coverage for dental insurance typically varies by state. However, some general coverage terms may apply to every policy.
- No network restrictions – Participants may select their own dentist without worrying about coverage restrictions.
- No deductibles – Participants are not required to pay out-of-pocket for a deductible each year. Benefits are fully paid after the related waiting period.
- Competitive rates and rate stability – Specific benefit amounts are included in the dental plan for wellness, diagnostic, and treatments. Participants will not see a rate increase based on group demographics or the number of people who use the insurance.
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Combined Insurance Company of America
Combined Insurance Company of America is another supplemental insurance provider but without the popular television commercials. Nevertheless, Combined Insurance also offers several insurance policies for customers who need supplemental coverage.
Since 1922, Combined Insurance Company of America has provided insurance plans to customers across the country. The company has experienced many changes over the years and is now part of an international insurance group with offices in Europe and Asia Pacific.
Description of Policies
Combined Insurance Company of America provides a variety of insurance policies to help pay for expenses after an accident or illness. The company offers coverage for disability insurance, accident insurance, supplemental health, cancer care protector life insurance, and Medicare supplemental insurance.
Disability
Disability insurance coverage supplements the financial needs of a person who is unable to work and totally disabled. A person will receive a set monthly benefit payment to cover lost wages. The money is used for basic household expenses such as food, transportation, and utilities.
When an individual is totally disabled, most policies will provide coverage for up to two years. Benefit payments are maximized with workers’ compensation and Social Security benefits. However, if an individual does not receive either social benefit, Combined Insurance will pay the full benefit amount.
Read More: Best Auto Insurance for Disabled Drivers
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Supplemental Accident Insurance Coverage
This supplemental coverage will provide benefit payments for emergency room care, hospitalization, and recovery income after an accident. Typically, payments help pay for expenses not included in a major health insurance plan.
Supplemental Health
Similarly, supplemental health insurance helps a family through difficult financial times after an illness. The supplemental policy usually pays for:
- Unexpected expenses related to a covered illness
- Daily cash benefits during a hospital stay
- Financial assistance for everyday expenses
- Benefits paid for total disability
Cancer Care Protector
Cancer care protector is supplemental insurance coverage for cancer-related expenses. Most of the covered expenses include:
- Intensive care treatment
- Cost of surgery and anesthesia
- Cancer treatments such as chemotherapy and radiation
- Private nursing care
- Prescriptions
- Transportation
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Supplemental Life Insurance
This life insurance policy provides protection after the loss of a loved one. Generally, benefits paid are used for funeral expenses and to replace the lost income.
The whole life protection policy with Combined Insurance provides coverage through age 100. Cash values begin during the second or third year of policy enforcement.
All supplemental life insurance policies include the following features:
- Waiver of Premium payment if total disability occurs between 16 and 60 years of age
- Proceeds are paid through a living benefit/accelerated death benefit while the insured is alive
- Accidental death benefit pays double the policy value
Medicare Supplemental Insurance
Coverage plans for Medicare supplemental insurance may vary by state, but offer standard benefits to all:
- Those covered can select their own doctor
- No exclusions for pre-existing conditions
- No waiting periods – coverage begins immediately
- In most cases, claim forms are not required. Those covered only need their policy number and Explanation of Medicare Benefits
- Multiple plan options
- Convenient customer service from an in-home, licensed professional or by calling a toll-free number.
Everyone wants peace of mind when faced with an unexpected illness or accident. Concerns with paying everyday living expenses are exacerbated by mounting medical bills. Consideration for policy options and personal needs can help someone make the best choice when purchasing supplemental insurance.
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have.
Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!
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Aflac vs. Combined Insurance Company of America Effortless Claims Process
Ease of Filing a Claim
When it comes to the claims process, one of the key factors to consider is how easy it is to file a claim with the insurance provider. Both AFLAC and Combined Insurance Company of America offer supplemental insurance policies, and the ease of filing a claim can significantly impact the overall customer experience.
These companies typically provide multiple options for claim submission, including online, over the phone, and through mobile apps. Understanding these options can help policyholders navigate the claims process more efficiently.
Average Claim Processing Time
Another critical aspect of the claims process is the average claim processing time. Policyholders want to know how quickly they can expect their claims to be reviewed and resolved. This information can be crucial, especially in situations where immediate financial assistance is needed.
AFLAC and Combined Insurance Company of America may have varying claim processing times, and policyholders should be aware of these timelines when choosing their supplemental insurance provider.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback provides valuable insights into how insurance companies handle claims. Policyholders’ experiences with claim resolutions and payouts can shed light on the reliability and efficiency of these processes.
It’s essential to consider the reviews and testimonials of individuals who have filed claims with AFLAC and Combined Insurance Company of America to gauge the overall satisfaction of policyholders in this regard. Customer feedback can offer valuable information for those evaluating these insurance providers.
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Unveiling Cutting-Edge Digital and Technological Features by Aflac vs. Combined Insurance Company of America
Mobile App Features and Functionality
In today’s digital age, many insurance providers offer mobile apps to enhance the customer experience. These apps can provide a range of features and functionalities, from easy policy management to claim submission and tracking.
Policyholders may want to explore the mobile app offerings of both AFLAC and Combined Insurance Company of America to assess the user-friendliness, accessibility, and convenience they provide.
Online Account Management Capabilities
Online account management is a crucial aspect of modern insurance services. Policyholders often seek the ability to manage their policies, review documents, and make payments conveniently through online platforms.
Evaluating the online account management capabilities of AFLAC and Combined Insurance Company of America can help policyholders determine which insurer offers the best digital experience for policy management.
Digital Tools and Resources
Beyond mobile apps and online account management, insurance companies may provide additional digital tools and resources to assist policyholders. These tools can include educational materials, calculators, and resources for understanding policy details and coverage options.
Examining the digital tools and resources offered by AFLAC and Combined Insurance Company of America can help policyholders make informed decisions about their supplemental insurance policies.
Frequently Asked Questions
What is supplemental insurance?
Supplemental insurance provides additional coverage for expenses not covered by a standard insurance policy, such as medical expenses, lost wages, or other financial needs during injury or illness recovery.
What insurance products does AFLAC offer?
AFLAC offers accident insurance, cancer-specified disease insurance, lump sum cancer insurance, juvenile life insurance, and dental insurance.
What is the purpose of AFLAC’s accident insurance?
AFLAC’s accident insurance pays for expenses related to injuries after an accident, providing cash benefits to cover medical costs, transportation, and other out-of-pocket expenses.
What types of coverage does Combined Insurance Company of America provide?
Combined Insurance offers disability insurance, supplemental accident insurance, supplemental health insurance, cancer care protector, supplemental life insurance, and Medicare supplemental insurance.
How does disability insurance from Combined Insurance work?
Combined Insurance’s disability insurance provides monthly benefit payments to individuals who are totally disabled and unable to work. These payments help cover essential expenses like food, transportation, and utilities for up to two years.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.