Aflac Final Expense Insurance Review 2025: Is It Worth It for Seniors?
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Are you exploring burial insurance and wondering if Aflac is a smart choice?
With its recognizable duck and decades-long reputation, Aflac is often a go-to for supplemental coverage—but is its final expense insurance product truly competitive?
In this Aflac Final Expense Insurance Review, we’ll cover everything you need to know—from real costs to pros, cons, and how it compares to other top insurers.
What Is Aflac Final Expense Insurance?
Aflac’s final expense product is a whole life insurance policy designed to help cover funeral costs, medical bills, and unpaid debt.
| Feature | Details |
|---|---|
| Plan Types | Level and Modified Whole Life Plans |
| Issue Ages |
Level Plan: 45–80 (max benefit varies by age) Modified Plan: 45–75 |
| Coverage Amounts |
Level Plan: $5,000–$50,000 Modified Plan: $2,000–$25,000 |
| Death Benefits |
Level Plan: Full benefit for all causes from Day 1 Modified Plan: • Accidental: Full benefit immediately • Non-Accidental: Years 1–2: Limited benefit, Year 3+: Full benefit |
| Medical Exam | Not required. Simplified Issue. |
| Riders (Level Plan Only) |
– Accelerated Death Benefit Rider (up to 50%, max $15,000) – Accidental Death Benefit Rider (100% additional coverage) – Children’s Term Insurance Rider ($2,500–$10,000) |
| Nonforfeiture Options |
– Reduced Paid-Up Insurance – Extended Term Insurance – Automatic Premium Loan |
| Cash Value | Accumulates over time; accessible via policy loans ($1,000+) |
| Premiums | Level and Guaranteed—will never increase |
| Social Security Alignment | Premiums can be aligned with Social Security deposit dates |
| Company | Underwritten by Tier One Insurance Company (Aflac subsidiary) |
Key Features of Aflac Final Expense Insurance
✔ Guaranteed Premiums & Death Benefit – No increases, benefit never decreases
✔ Two Plan Options – Choose between Level and Modified benefit plans
✔ Multiple Riders Available – For terminal illness, accidental death, and children’s coverage
✔ Cash Value Accumulation – Borrow against policy later in life if needed
✔ Simplified Issue – No medical exams, fast approval
More features………..
- Lifelong coverage (as long as premiums are paid)
- Fixed premiums that never increase
- Coverage amounts: $5,000 to $50,000
- Available for ages 45–80
How Aflac final expense insurance works:
| Feature | Level Plan | Modified Plan |
|---|---|---|
| Issue Ages | 45–80 | 45–75 |
| Coverage Amounts | $5,000–$50,000 | $2,000–$25,000 |
| Full Death Benefit Starts | Immediately (Day 1) | After Year 2 (graded benefit) |
| Accidental Death Coverage | Day 1 Full Benefit | Day 1 Full Benefit |
| Medical Exam | None | None |
| Available Riders | ADB, ADBR, Children’s Term | Not Available |
| Cash Value | Yes | Yes |
Aflac final expense product is best suited for seniors looking for a reputable provider without the hassle of medical underwriting.
*Ballpark Quote
How Much Does Aflac Final Expense Insurance Cost?
Aflac’s monthly premiums are generally higher than competitors due to brand trust and agent-driven sales.
Sample Monthly Rates for $5,000, $10,000 & $25,000 Policy:
✅ Female Rates
✅ Male Rates
Premiums are locked for life, and the policy builds a small cash value over time.
Aflac Final Expense Instant Quote Tool
Aflac Burial Insurance Rates
*Ballpark Quote
Pros and Cons of Aflac Final Expense Insurance
✅ Pros:
- Trusted national brand
- Quick and easy approval (no exam)
- Policy builds cash value
- Level premium and coverage amounts
- Available with living benefits in some states
❌ Cons:
- Higher cost than industry average
- No guaranteed issue option
- Limited digital self-enrollment – agent required
- 2-year waiting period for natural death in some cases
How Aflac Compares to Other Final Expense Providers
When stacked against Mutual of Omaha, Gerber Life, and AETNA:
Final expense policy comparison chart
Final Expense Insurance Providers Comparison
| Provider | Max Coverage | Medical Exam | Graded Period | Application Type |
|---|---|---|---|---|
| Aflac | $50,000 | No | No | Agent-only |
| Mutual of Omaha | $50,000 | No | No | Online (GI) or Agent |
| AETNA | $50,000 | No | No | Agent |
| SBLI | $35,000 | No | No | Agent |
Aflac offers more brand recognition but less flexibility for self-service customers.
*Ballpark Quote
People Also Ask
Is Aflac final expense whole life insurance?
Yes. The policy offers lifelong coverage, cash value, and fixed premiums.
Can I buy Aflac final expense online?
No. You must go through a licensed Aflac agent to apply.
Does Aflac offer guaranteed issue burial insurance?
No. Their policy requires you to answer a few health questions—not suitable for very high-risk applicants.
Is there a waiting period with Aflac final expense?
Yes. Most policies include a 2-year graded death benefit for natural causes.
Related Articles
FAQ Section
Yes. You can cancel any time and may be entitled to cash value based on policy duration.
Some states offer accelerated death benefit riders or accidental death options.
Availability and underwriting rules vary slightly by state, but most U.S. regions are covered.
Conclusion
Wouldn’t it feel good to secure a plan that guarantees peace of mind for your family? If you’re looking for a simple, agent-guided final expense policy from a company with national recognition, Aflac could be a solid fit.
That said, it’s not the cheapest and doesn’t offer a guaranteed issue option, so comparing with others is crucial.
“Compare Aflac With Other Leading Final Expense Policies Now”
*Ballpark Quote
