1 Policygenius – Life Insurance vs. Accidental Death & Dismemberment (AD&D) Insurance. Updated May 19, 2023. https://www.policygenius.com/life-insurance/life-insurance-vs-accidental-death-and-dismemberment/. Accessed June 6, 2023.
2 Investopedia – Accidental Death & Dismemberment (AD&D) Insurance. Updated May 12, 2023. https://www.investopedia.com/terms/a/accidental-death-dismemberment-insurance.asp. Accessed June 6, 2023.
3 Policygenius – How Accidental Death & Dismemberment (AD&D) Insurance works. Updated March 15, 2023. https://www.policygenius.com/life-insurance/accidental-death-and-dismemberment-insurance/. Accessed June 6, 2023.
4 Forbes – Understanding AD&D Insurance: Benefits & Coverage. Updated March 30, 2023. https://www.forbes.com/advisor/life-insurance/accidental-death-and-dismemberment-insurance/. Accessed June 6, 2023.
Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Individual coverage is underwritten by Aflac. Group coverage is underwritten by Continental American Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, 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 Aflac New York.
68000 series: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. In New York, NY68100-NY68400.65000 series: In Virginia, Policies ICC0965JTO & ICC0965JWO. B61000 series: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO, B61JTO. B60000 series: In Arkansas, Idaho, Oklahoma, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Q60000 series: Whole: In Arkansas, Delaware & Oregon, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In Texas, Policy Q60100MTX.Q60000 series: Term: In Delaware, Policies Q60200CM. In Arkansas, Idaho, Oklahoma, Oregon, Texas, Policies ICC18Q60200C, ICC18Q60300C, ICC18Q60400C.
Final Expense insurance coverage is underwritten by Tier One Insurance Company. The life insurance policy described herein contains an optional Accelerated Death Benefits Rider that is intended for favorable tax treatment under Section 101(g) of the Internal Revenue Code. Aflac does not give legal or tax advice. Please consult with a qualified legal, tax, and accounting advisor before engaging in any transaction. In AR, AZ, ID, OK, OR, PA, TX and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Group coverage:
Term Life 9100 series: In Arkansas, Policy CAI9100. In Idaho, Policy CAI9100R, In Oklahoma, Policy CAI9100OK, In Pennsylvania, Policy CAI9100PA. In Virginia, Policy CA9100RVA.
Term Life 92000 series: In Arkansas, Idaho, Oklahoma, Oregon and Pennsylvania. In New York, Policy AF92100NY.
Term Life 93000 series: In Arkansas, Idaho, Oklahoma, Oregon and Pennsylvania Policy ICC22 C93100.
Whole Life 9800 series: In Arkansas, Policy WL9800-MP AR. In Idaho, Policy WL9800-MP ID, In Oklahoma, Policy WL9800-MP OK, In Pennsylvania, Policy WL9800-MP (PA).
Whole Life 60000 series: In Arkansas, Policy C60100. In Idaho, Policy C60100ID, In Oklahoma, Policy C60100OK, In Oregon, Policy C60100OR. In Pennsylvania, Policy C60100PA.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. For complete details, including availability and costs, please contact your local Aflac agent.
Aflac does not offer Universal or Variable Universal life insurance.
WWHQ | 1932 Wynnton Road | Columbus, GA 31999
NY | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
Continental American Insurance Company | Columbia, SC
Z2301361
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