Aflac’s final expense insurance is all around one of the best policies in the nation because the premiums are competitive, and most applicants can qualify for coverage with no waiting period.
Additionally, Aflac has extremely high financial ratings, so you can trust that they have the means to pay their claims when called upon.
There are definitely situations where individuals with specific health issues would be better served by another burial insurance company. That said, Aflac is worth taking a look at before making a final decision because they just might be your best option.
- There are no medical exams, and prices are fair relative to other companies.
- Applications are typically approved in less than five minutes.
- Seniors with serious illnesses such as COPD, Afib, and diabetes are still eligible for immediate coverage.
- You must verbally speak with a licensed agent to purchase a policy.
- Some companies, such as Living Promise from Mutual of Omaha, have lower prices.
- There are no multi-policy discounts if you have other Aflac insurance products.
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
The BBB rating is based on information BBB is able to obtain about the business, including complaints received from the public. BBB seeks and uses information directly from businesses and from public data sources. BBB assigns ratings from A+ (highest) to F (lowest). If a business has been accredited by the BBB, it means BBB has determined that the business meets accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints.
How Does Aflac Final Expense Insurance Work?
Aflac burial insurance is a no-medical-exam whole life policy that quickly pays a tax-free cash benefit to cover all your final expenses, such as funeral costs, medical bills, financial debts, or any other related costs. Additionally, your beneficiaries will retain any remaining funds.
Although there is no exam, you must answer health questions to qualify. Additionally, Aflac will electronically review your medical history, providing them with a clear picture of your health history.
There are three health ratings that you may qualify for: Preferred, Standard, and Modified. There is no waiting period if you’re approved for the preferred or standard benefit. However, the modified benefit has a two-year waiting period before you’re insured for natural causes of death.
It’s a whole life policy, which means the coverage lasts your entire life, the price won’t increase, and the death benefit won’t decrease.
How Much Does Aflac Burial Insurance Cost?
Below is a whole life rate table outlining the cost of Aflac’s final expense insurance. Keep in mind that the exact cost of a burial policy will depend on your precise age, gender, state of residence, tobacco habits, health, and coverage amount.
| Age & Gender | $5,000 | $10,000 | $25,000 |
|---|---|---|---|
| Female age 45 | $15 | $25 | $57 |
| Male age 45 | $17 | $30 | $68 |
| Female age 50 | $16 | $27 | $61 |
| Male age 50 | $19 | $34 | $77 |
| Female age 55 | $17 | $29 | $67 |
| Male age 55 | $21 | $38 | $89 |
| Female age 60 | $19 | $35 | $80 |
| Male age 60 | $25 | $45 | $107 |
| Female age 65 | $24 | $44 | $104 |
| Male age 65 | $30 | $56 | $133 |
| Female age 70 | $30 | $56 | $134 |
| Male age 70 | $38 | $72 | $174 |
| Female age 75 | $43 | $82 | $199 |
| Male age 75 | $52 | $100 | $244 |
| Female age 80 | $60 | $116 | $284 |
| Male age 80 | $80 | $156 | $384 |
| Source for monthly prices: Choice Mutual quote calculator. Rates are calculated at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 06/11/2025. | |||
Should You Buy Aflac Final Expense Life Insurance?
Given the competitive premiums and lax underwriting, Aflac burial insurance is one of the top plans in the nation if you qualify for the preferred or standard rating. The modified plan is priced too high and is not worth buying.
Remember, companies that sell burial insurance for seniors compete with one another via the insurance price and underwriting (what health issues they do and don’t accept). So, while Aflac is an excellent option if you qualify, you might be better off with another company, depending on your health issues.
For example, if you have asthma, a Mutual of Omaha final expense policy would be a superior option because it would have a much lower price than Aflac.
That’s why it’s critically important to compare multiple providers before deciding.
Frequently Asked Questions
Aflac final expense life insurance has no waiting period if you qualify for the preferred or standard death benefit. However, if you only qualify for the modified benefit due to a recent severe health issue, there will be a two-year waiting period.
To buy Aflac burial insurance, call 1-800-644-2926 to speak with a licensed agent authorized to sell this particular policy. Aflac does not have an internal sales department, and it cannot be bought online. Aflac’s final expense whole life insurance is exclusively sold through specific licensed agencies.
Aflac funeral insurance provides a tax-free cash benefit to your beneficiaries, which can be used to cover funeral expenses, medical bills, outstanding debts, or any other expenses.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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Moody's. https://investors.aflac.com/ratings/default.aspx
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S&P Global. https://investors.aflac.com/ratings/default.aspx
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BBB. https://www.bbb.org/us/ga/columbus/profile/insurance-companies/aflac-0743-101327
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Trustpilot. https://www.trustpilot.com/review/www.aflac.com
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Google. https://www.google.com/search?sca_esv=70a0dbe43b331d7c&q=Aflac&ludocid=7796698309424998947&lsig=AB86z5VO04U9bwePMJxK7ARTYKLl&sa=X&ved=2ahUKEwj4z8L29LWHAxVRAjQIHaIWD1gQoAJ6BAgfEAY&biw=1920&bih=911&dpr=1#lrd=0x8848d05090ff680d:0x6c336fcdc22a6a23,1,,,,
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NAIC Complaint Index. https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=60380&REALM=PROD&COCODE=60380&REALM=PROD
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BBB Score & Accreditation. https://www.bbb.org/us/ga/columbus/profile/insurance-companies/aflac-0743-101327
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Yelp. https://www.yelp.com/brands/aflac
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A.M. Best. https://news.ambest.com/PR/PressContent.aspx?refnum=35024&altsrc=40
