Are you looking for cost-effective and reliable group coverage for your employees, protecting their wellbeing and families’ futures? Then maybe Aflac can do you a favor!

As the largest supplemental insurance provider in our nation, Aflac provides a wide range of low-cost group insurance policies for business owners, shielding their employees against financial losses caused by illness, accidents, and even disability.

Now follow my article to see if any group coverage at Aflac interests you.

Critical Illness

When critical illness occurs to your employees, the costly medical treatments and health care expenses would knock them down, particularly if they do not purchase individual critical illness coverage.

However, your employees’ stress could be eased significantly if you have purchased Aflac group critical illness insurance, which lets your employees stay ahead of the medical bills and out-of-pocket expenses that would come along with specified critical illness, such as internal cancer, heart attack, stroke, renal failure (end-stage) and major organ transplant.

Just after a short waiting period, your employees will receive a lump sum benefit based on their original diagnosis, while a 25% benefit can be paid for Carcinoma-in-situ and Coronary Artery Bypass Surgery. However, the payment for partial benefits will reduce the benefits for the internal cancer or heart attract by 25%.

With Aflac group critical illness coverage, your employees can keep the peace of mind and rest easier, as they know that their finances are well protected. A lump sum benefit will help them concentrate on the recovering, not on the medical bills.

Accident Insurance

When an accident happens, your employees may not realize that some of the expenses that will follow, such as ambulance, medical cost, physical therapy – not to mention the debts that they have to pay on a monthly basis, like mortgage or rent, auto loan payments and utility bills.

If you have purchased group accident insurance for your employees, they will get cash benefits from Aflac to maintain everyday lifestyle after an accident.

Over 50 events, such as fractures, dislocations, ambulance rides, and hospital admission, can be paid with cash benefits. Accidental death and dismemberment are also covered. Event if their employment status changes, the portable coverage allows them to retain the coverage at the same rates.

Hospital Indemnity

Your employees’ major medical coverage may not cover hospital-related expenses, such as hospital admission, emergency room visits, hospital confinement, surgery and anesthesia, well baby care and out-of-hospital prescription, which are all covered by Aflac group hospital indemnity.

With this coverage, your employees do not need to worry about the bills, as their family savings are well protected against the unexpected expenses on hospital stays and medical care.

Here, please note that the group hospital indemnity is not underwritten by Aflac, but Continental American Insurance Company, and Continental American Life Insurance Company in California.

Dental Insurance

Aflac group dental insurance is available for companies or businesses with a few as 100 employees. Since it is an employee-paid coverage, you can keep the cost down while offering superior protection to your employees.

The group dental insurance provides cash benefits for your employees’ routine dental care, including cleaning, preventive care, X-rays, sealants, root canals and so on. Employees can also choose the dentists that they trust. Each covered procedure has a specified benefit amount, so your employees can know exactly what they get.

There are three options for your group to choose from, and the coverage year maximum will increase automatically. Credit can even be given towards the waiting period if the Aflac group dental coverage is replacing another group dental plan you have.

Disability Insurance

Every of us knows that the disability can easily drain our savings and cut off our income completely. You can help your employees plan for the uncertainty of the future by offering group disability insurance.

Aflac group disability insurance can help your employees get prepared for the unexpected accidents or injuries that would cause total or partial disability. In case of disability, they will be provided with income replacement of up to 50% of their salaries. Partial benefits are payable for certain pre-existing conditions, pregnancy for instance.

In case of total disability, premium payments can be waived 90 days after the disability. Even if your employees leave employment, they can continue to enjoy the coverage (with certain stipulations).

Whole Life Insurance

Aflac group whole life insurance helps your employees to protect their families’ futures. Even if they retire or change jobs, they can still keep the coverage in force for the peace of mind.

Your employees are allowed to apply for the coverage that fits their lifestyles and affordability, up to $100,000. The maximum coverage amount for their spouses is $50,000, with a child term rider for dependent children. Cash value is built at a guaranteed rate of return. The medical exam is also easy as your employees are just asked about a few questions. Moreover, the premiums will never increase for the benefit amount selected.

Note: This web site is not affiliated in any way with Aflac. Always seek financial advices from professionals and find accurate Aflac service information on its official web site.