• Report: #426704

Complaint Review: Aflac Insurance

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  • Submitted: Fri, February 20, 2009
  • Updated: Wed, February 25, 2009

  • Reported By:phoenix Arizona
Aflac Insurance
www.aflac.com Nationwide U.S.A.

Aflac Insurance Stay away from this faudulent company Nationwide

*Consumer Suggestion: Aflac is NOT a scam.

*Consumer Comment: Please

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I could write a 20 page report about what ripoffs Alfac is. The agent who sold me my fraudulent policy is Deborah Senn. She told whatever lie was needed to get me to sign up so she can get paid. And once you sign up they only let you cancel during a certain time period. Of course that is completely opposite of what she told me when she said "if you arent happy with our service you can cancel at anytime." Just do yourself a favor and run when this company tries to get you. They find a way around everything to make sure they never have to pay you. They have so much small print and are professionals at finding something that makes them not have to pay you. RUN!!!!!

Michael
phoenix, Arizona
U.S.A.

This report was posted on Ripoff Report on 02/20/2009 05:53 PM and is a permanent record located here: http://www.ripoffreport.com/r/Aflac-Insurance/nationwide/Aflac-Insurance-Stay-away-from-this-faudulent-company-Nationwide-426704. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Aflac is NOT a scam.

AUTHOR: Janis - (U.S.A.)

I'm very sorry you had a negative experience with Aflac. But trust me, this company is not a scam. They've been around a long time and have millions and millions of policyholers, including state governments and municipalities (and believe me, if the company were a scam, they wouldn't be working with these types of clients.)

Regarding cancelling your policies after you sign up; if you are paying for them through pre-tax deductions at your job, then yes, you can only make changes (including cancellation) at open enrollment time. This is NOT an Aflac rule; it's an IRS rule. Exceptions are: death, marriage, divorce, adoption, change in work status from full time to part time, and of course, losing your job. Now...if you are paying for your Aflac with AFTER-TAX dollars, then yes, you can cancel at any time.

I think it was a poor choice to post the name of the agent on this website. The owner never takes down any posts, and you are now in the position where you could get sued for defamation of character. Aflac is a good company; I should know, I've worked with them (not FOR them) for over 10 years. You are the buyer, and you should make intelligent, informed decisions, including reading the policy (which by the way, is not printed in small letters, it's very readable.) and taking responsiblity for what you signed up for.

I've read through every single complaint about Aflac here, and they all boil down to two reasons: The policyholder didn't read their policy, and therefore misunderstood what they were buying, or The applicant had an agent that was either new, or uninformed, or both. In any case, it isn't the company's fault. Their agents are independent brokers...anyone with an insurance license in Health and Life can contract with them. Same deal with all the big insurance companies; Mutual of Omaha, Prudential, etc. There are 60,000 Aflac agents in the U.S. Just by sheer numbers, there will probably be a few agents who give our wrong information. But not understanding what you're buying, and calling the entire company a scam is a giant, and inappropriate leap.

I've known people who have collected on the Aflac Cancer Claim who would have lost their homes if it weren't for the money Aflac paid them.

I strongly suggest you contact the Aflac State Office in your state and talk to either a Regional Coordinator, or the State Sales Coordinator (they call them 'SSC's') Explain your problem to them and I'm positive they will help you in any way they can.

Best of luck to you.
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#2 Consumer Comment

Please

AUTHOR: Stacey - (U.S.A.)

I have had AFLAC for 3 years - they have paid everyone of my claims
I read the policy before I got it
What type of policy did you get anyone - you did not mention that in your report
What claims were denied??
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