individuals & families learn how aflac pays you and your family money for the expenses that major medical doesn t cover . employers build a comprehensive healthcare benefits package without increasing your costs . brokers offer your clients better benefit options with aflac supplemental insurance policies . agents explore the unlimited potential and flexibility that comes with a new career as an aflac insurance agent . about aflac careers investors providers duck gear contact us privacy policy & notifications sitemap terms of use 2016 aflac incorporated view legal coverage underwritten by american family life assurance company of columbus . group coverage underwritten by continental american insurance company which is not licensed to solicit business in guam puerto rico or the virgin islands . for groups sitused in california group coverage is underwritten by continental american life insurance company . for individual coverage in new york or coverage for groups sitused in new york coverage is underwritten by american family life assurance company of new york . one day paysm available for most properly documented individual claims submitted online through aflac smartclaim by 3pm et . aflac smartclaim not available on the following disability life vision dental medicare supplement long term care home health care aflac plus rider specified disease rider and group policies . aflac processes most other claims in about four days . processing time is based on business days after all required documentation needed to render a decision is received & no further validation and or research is required . individual company statistic 2015 . 2016 000