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NOTIFICATIONS FROM AFLAC

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Ventura County
affected by wildfires, Aflac will provide a premium grace period starting Nov.
6, 2024, and ending Jan. 07, 2025. This grace period also provides an extension
of filing deadlines for claims and leniency for any other action required under
the policy. Aflac will provide a replacement copy of the policy upon request by
the policyholder

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Siskiyou County
affected by wildfires, Aflac will provide a premium grace period starting July
3, 2024, and ending Dec. 31, 2024. This grace period also provides an extension
of filing deadlines for claims and leniency for any other action required under
the policy. Aflac will provide a replacement copy of the policy upon request by
the policyholder

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Sierra County
affected by wildfires, Aflac will provide a premium grace period starting Sept.
2, 2024, and ending Dec. 31, 2024. This grace period also provides an extension
of filing deadlines for claims and leniency for any other action required under
the policy. Aflac will provide a replacement copy of the policy upon request by
the policyholder

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent weather:

To provide relief for New Mexico policy/certificate holders residing in Chavez
County and affected by the severe flooding, Aflac will provide the following
protections for policy/certificate holders:

 * Provide an extended premium grace period from Saturday, Oct. 19, 2024,
   through Tuesday, Feb. 18, 2024.
 * Postpone cancelations and non-renewals from Saturday, Oct. 19, 2024, through
   Tuesday, Feb. 18, 2024.
 * Offer a payment plan of at least six (6) months if unable to pay the
   delinquency after the extended grace period. This applies to all coverages
   except life. The policy/certificate holder should contact Aflac to make
   arrangement for repayment.
 * Waive late fees and penalties.
 * Provide an extension of filing deadlines for claims and leniency for any
   other action required under the policy/certificate.
 * Allow additional time for actions required under the policy/certificate and
   the submission of documents due to limited access to service and mobility.
 * Provide a copy of the policy/certificate to the policyholder/certificate
   holder upon request.

In addition to the above, Aflac through Aflac Benefits Solutions will provide
the following protections for Network Dental and Vision members and providers:

 * Waive referrals and prior authorization requirements for use of
   out-of-network providers for medically necessary services, whether emergent
   or not.
 * Waive cost-sharing and deductibles through Tuesday, Feb. 18, 2024.
 * Permit one eyeglass or contact lens replacement and one hearing aid
   replacement during the pendency of this Order, waiving frequency limitations.
 * Permit one replacement for dentures or other prosthodontic devices during the
   pendency of this Order, waiving frequency limits.
 * Extend medical providers’ reporting requirements for claims submissions and
   for additional information relating to claims through Tuesday, Feb. 18, 2024.

Affected members should contact Aflac Benefits Solutions at 855-819-1873, option
1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for Georgia policyholders Aflac will provide a premium
grace period starting Sept. 24, 2024, and ending Nov. 25, 2024. This grace
period also provides an extension of filing deadlines for claims and leniency
for any other action required under the policy. Aflac will provide a replacement
copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for South Carolina policyholders Aflac will provide a
premium grace period starting Sept. 25, 2024, and ending Nov. 25, 2024. This
grace period also provides an extension of filing deadlines for claims and
leniency for any other action required under the policy. Aflac will provide a
replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for Florida policyholders Aflac will provide a premium
grace period starting Sept. 26, 2024, and ending Dec. 10, 2024. This grace
period also provides an extension of filing deadlines for claims and leniency
for any other action required under the policy. Aflac will provide a replacement
copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for North Carolina policyholders Aflac will provide a
premium grace period starting Sept. 27, 2024, and ending Nov. 26, 2024. This
grace period also provides an extension of filing deadlines for claims and
leniency for any other action required under the policy. Aflac will provide a
replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent weather:

To help provide relief for Tennessee policyholders Aflac will provide a premium
grace period starting Sept. 26, 2024, and ending Nov. 25, 2024. This grace
period also provides an extension of filing deadlines for claims and leniency
for any other action required under the policy. As further protection, insurance
professionals licensed in other states, but not holding Tennessee licenses will
be permitted to assist Aflac policyholders. Agents must contact Tennessee
Department of Insurance for permission on a case-by-case basis for this
accommodation. Aflac will provide a replacement copy of the policy upon request
by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability of
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. As further protection, insurance
professionals licensed in other states, but not holding Tennessee licenses will
be permitted to assist Aflac certificate holders. Agents must contact Tennessee
Department of Insurance for permission on a case-by-case basis for this
accommodation. A replacement copy of the certificate will be provided upon
request by the certificate holder. Affected members should contact Aflac
Benefits Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1,
for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Lake County
affected by wildfires, Aflac will provide a premium grace period starting Sept.
8, 2024, and ending Dec. 2, 2024. This grace period also provides an extension
of filing deadlines for claims and leniency for any other action required under
the policy. Aflac will provide a replacement copy of the policy upon request by
the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for Oregon policyholders residing in the state that have
been affected by the wildfires, Aflac will provide a premium grace period
starting July 12, 2024, and ending Nov. 11, 2024. This grace period also
provides an extension of filing deadlines for claims and leniency for any other
action required under the policy. Aflac will provide a replacement copy of the
policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent wildfires:

To help provide relief for California policyholders residing in Los Angeles,
Orange, Riverside, and San Bernardino counties affected by wildfires, Aflac will
provide a premium grace period starting Sept. 5, 2024, and ending Nov. 11, 2024.
This grace period also provides an extension of filing deadlines for claims and
leniency for any other action required under the policy. Aflac will provide a
replacement copy of the policy upon request by the policyholder.

For Network Dental and Vision Members:

This grace period also provides an extension of filing deadlines for claims;
relaxation of prior authorization, precertification, and referral requirements;
access to appropriate out-of-network providers due to unavailability on
in-network providers or the members’ displacement; and leniency for any other
action required under the certificate. A replacement copy of the certificate
will be provided upon request by the certificate holder. Affected members should
contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at
855-819-1873, Option 1, for assistance.

--------------------------------------------------------------------------------

We care about Aflac’s policyholders affected by the recent wildfires:

To provide relief for New Mexico policy/certificate holders residing in Lincoln
County and the Mescalero Apache Reservation and affected by the wildfires, Aflac
will provide the following protections for policy/certificate holders:

 * Provide an extended premium grace period from Tuesday, June 17, 2024, through
   Monday, Dec. 2, 2024.
 * Postpone cancelations and non-renewals from Tuesday, June 17, 2024, through
   Monday, Dec. 2, 2024.
 * Offer a payment plan of at least six (6) months if unable to pay the
   delinquency after the extended grace period. This applies to all coverages
   except life. The policy/certificate holder should contact Aflac to make
   arrangement for repayment.
 * Waive late fees and penalties.
 * Provide an extension of filing deadlines for claims and leniency for any
   other action required under the policy/certificate.
 * Allow additional time for actions required under the policy/certificate and
   the submission of documents due to limited access to service and mobility.
 * Provide a copy of the policy/certificate to the policyholder/certificate
   holder upon request.

In addition to the above, Aflac through Aflac Benefits Solutions will provide
the following protections for Network Dental and Vision members and providers:

 * Waive referrals and prior authorization requirements for use of
   out-of-network providers for medically necessary services, whether emergent
   or not.
 * Waive cost-sharing and deductibles through Monday, Dec. 2, 2024.
 * Permit one eyeglass or contact lens replacement and one hearing aid
   replacement during the pendency of this Order, waiving frequency limitations.
 * Permit one replacement for dentures or other prosthodontic devices during the
   pendency of this Order, waiving frequency limits.
 * Extend medical providers’ reporting requirements for claims submissions and
   for additional information relating to claims through Monday, Dec. 2, 2024.

Affected members should contact Aflac Benefits Solutions at 855-819-1873, option
1, for assistance.

--------------------------------------------------------------------------------

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HEALTH INSURANCE WASN’T DESIGNED TO COVER EVERYTHING.


HEALTH INSURANCE WASN’T DESIGNED TO COVER EVERYTHING.

That’s why there’s Aflac. We can help you take care of the expenses health
insurance doesn’t cover, so you can take care of everything else. Learn how
Aflac can help.

Enter your info to get started.

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Age


Covering



Me Me & My Spouse Me & My Children Me, My Spouse & Children My Business




GET A FREE QUOTE


OPENING TALK TO AN AGENT FORM.


GET A QUOTE


CHOOSE ONE OF THE OPTIONS BELOW.


SPEAK TO AN AGENT


QUOTE & APPLY ONLINE


OPENING BUSINESS FORM.


GET A QUOTE

Change your info.


DISCOVER HOW OUR INSURANCE POLICIES CAN HELP PROVIDE FINANCIAL PEACE OF MIND:


ACCIDENT INSURANCE

Get added peace of mind and help paying for emergency treatment.


CANCER INSURANCE1

Get help coping with the financial and emotional effects of cancer.


CRITICAL ILLNESS INSURANCE

Get help with the cost of treating covered critical illnesses.


DENTAL INSURANCE

Choose from Aflac’s coverage options for the level and premiums that are right
for you.


FINAL EXPENSE INSURANCE

Final expense whole life insurance helps loved ones cover funeral and other
final expenses.


LIFE INSURANCE

Help protect the financial future of your loved ones.


PET INSURANCE2

Help for when your pet experiences the unexpected.


ADDITIONAL PRODUCTS AVAILABLE THROUGH AN EMPLOYER:


HOSPITAL INSURANCE

Help keep high deductibles from derailing your life plans.


SHORT-TERM DISABILITY

Help ease the financial stress caused by a covered injury.


SUPPLEMENTAL VISION

Find the care you need to help maintain healthy vision.


GROUP PRODUCTS DESIGNED FOR LARGE EMPLOYERS:


DENTAL INSURANCE

Help keep your employees protected from routine and unexpected dental expenses.


VISION INSURANCE

Regular eye exams may detect eye diseases early, helping employees preserve
their vision.


LIFE INSURANCE

Strengthen employee benefits packages and provide essential insurance protection
to employees during their time of need.


DISABILITY INSURANCE

Offer employees a financial safety net if they’re sick or unable to work due to
an injury, illness or mental condition.


ABSENCE MANAGEMENT

Manage employee absences and stay in step with evolving leave laws.

 


READY TO TAKE THE NEXT STEP TO PROTECT YOUR FUTURE?


READY TO TAKE THE NEXT STEP TO PROTECT YOUR FUTURE?

Learn more

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MYSELF




MY EMPLOYEES


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1 Cancer insurance is also known as Specified-Disease Insurance in some states.

2 Trupanion policies are sold and administered by Trupanion Managers USA, Inc.
(“TMUI”) (licenses available here), and are underwritten by American Pet
Insurance Company (“APIC”), with its main office at 6100 4th Ave S, Seattle, WA
98102. Aflac Benefits Advisors, Inc. (d/b/a Aflac Insurance Solutions), a
subsidiary of Aflac Incorporated and a licensed insurance producer (NPN
16512385), has limited authority to advertise Trupanion policies, does not
intend to sell, solicit, or negotiate policies on behalf of APIC, does not have
authority to bind coverage on behalf of APIC, and may receive compensation from
TMUI for insurance policies sold by TMUI further to a referral from Aflac
Benefits Advisors, Inc. Aflac Benefits Advisors, Inc. does not have authority to
sell, solicit, or negotiate insurance policies in Puerto Rico. TMUI, APIC, and
their affiliates are separate, independent of, and distinct from Aflac Benefits
Advisors, Inc. Terms and conditions including limitations and exclusions apply.
Availability and qualification for coverage, terms, rates and discounts may vary
by jurisdiction. See the full policy for details. Information you provide to
TMUI is subject to Trupanion’s privacy policy and website terms of use, and may
be shared with Aflac Benefits Advisors, Inc.

With the exception of the Dental and Vision insurance plans, the plans
advertised herein offer supplemental insurance coverage and are not major
medical insurance plans.

The Aflac insurance plans summarized on this page provide brief product
overviews only. Coverage may not be available in all states including but not
limited to ID, NJ, NM NY & VA. Benefits/premium rates may vary based on plan
selected. Optional riders may be available at an additional cost. Plans and
riders may contain a waiting period. The plans and riders have limitations and
exclusions that may affect benefits payable. Refer to the specific policies and
riders for complete details, limitations, and exclusions. For costs and complete
details of the coverage, please contact your local Aflac agent/producer.

Individual Aflac Plans

Accident: A36000 Series - In Delaware, Policies A36100DE—A36400DE, & A363OFDE.
In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies
A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, &
A363OFVA. A37000 Series - In Delaware, Policies A371AA & A371BA. In Idaho,
Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA &
A371BAVA.

Cancer: B70000 series - In Delaware, Policies B70100DE, B70200DE & B70300DE. In
Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma,
Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. A75000 Series - In
Virginia, policies A75100VA–A75300VA.

Critical Illness: B71000 Series - In Delaware, Policies B71100, B71200, B7130H &
B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK. A71000
Series - In Delaware, Policies A71100DE & A71200DE. In Oklahoma, Policies
A71100OK & A71200OK. In Virginia, Policies A71100VA & A71200VA. A73100 Series –
In Delaware, Policies A73100DE & A7310HDE. In Oklahoma, Policies A73100OK &
A7310HOK. A74000 Series - In Delaware, Policies A74100DE, A74200DE, A74300DE. In
Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK,
A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA.

Life: B60000 Series: In Arkansas, Idaho, Oklahoma, Virginia, Policies
ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. B61000
Series: In Arkansas, Idaho, Oklahoma & Virginia, Policies ICC18B61JWO &
ICC18B61JTO. In Delaware, Policies B61JWO, B61JTO. A68000 series: In Arkansas,
Idaho, Oklahoma & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300,
ICC1368400. In Delaware, Policies A68100-A68400. Q60000 series: Group Whole Life
- In Arkansas & Delaware, Policy Q60100M. In Idaho Policy Q60100MID. In
Oklahoma, Policy Q60100MOK. Group Term Life - In Delaware, Policies Q60200M. In
Arkansas, Idaho & Oklahoma, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C.

Hospital: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID
& B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies
B40100VA & B4010HVA.

Short-Term Disability: In Delaware, Policies A57600DE & A57600LB. In Idaho,
Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia,
Policies A57600VA & A57600LBVA.

Supplemental Dental: A81000 Series - In Delaware, Policies A81100–A81400. In
Idaho, Policies A81100ID–A81400ID. In Oklahoma, Policies A81100OK–A81400OK. In
Virginia, Policies A81100VA–A81200VA. A82000 Series - In Delaware, Policies
A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies
A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.

Supplemental Vision: In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In
Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.

Coverage is underwritten by American Family Life Assurance Company of Columbus
and/or American Family Life Assurance Company of New York.

Individual Tier One Plans

Accident: In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, &
T37300IDR. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA,
T37200VA, T37300VA, T37400VA, T37600VA.

Cancer: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma,
Policy T70000OK. In Virginia, policies T70000VA & T70000GVA.

Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In
Virginia, Policy T71100VA.

Dental, Vision, Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID.
In Oklahoma, Policy T80000OK. Not available NY or VA. Dental claims are
administered by Aflac Benefits Solutions, Inc. Vision claims are administered by
EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the
Patient Protection and Affordable Care Act (ACA) and is not required to satisfy
essential health benefits mandates of the ACA. The coverage provides limited
benefits.

Final Expense: In Arkansas, Delaware, Idaho, Oklahoma & Virginia, Policies
ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22,
and ICC21-AFLCDR22. Aflac Final Expense insurance coverage is underwritten by
Tier One Insurance Company, a subsidiary of Aflac Incorporated and is
administered by Aetna Life Insurance Company.

Coverage is underwritten by Tier One Insurance Company.

Group supplemental insurance coverage is underwritten by Continental American
Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC
underwrites group coverage but is not licensed to solicit business in New York,
Guam, Puerto Rico, or the Virgin Islands. In California, group supplemental
insurance coverage is underwritten by Continental American Life Insurance
Company. In New York, group supplemental insurance coverage is underwritten by
Aflac New York.

Aflac’s Life, Absence and Disability Services are available in all states,
except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental
American Insurance Company (CAIC). Self-funded plans and absence services are
administered by CAIC in all states but New York. In New York, self-funded plans
and absence services are administered by and insurance is offered by American
Family Life Assurance Company of New York. Administrative services are not
insurance and are not considered legal advice. Products may not be available in
all states and may vary depending on state law.

Group plans:

Dental Insurance: Policy Series QN81000. In Idaho, QN81100MID. In Oklahoma,
policy form QN81100MOK. In New York, NYQN81100M.

Vision Insurance: Policy Series QNV1000. In Idaho, QNV1100MID. In Oklahoma,
policy form QNV1100MOK. In New York, NYQNV1100M.

NOTICE: The coverage offered is not a qualified health plan (QHP) under the
Patient Protection and Affordable Care Act (ACA) and is not required to satisfy
essential health benefits mandates of the ACA. The coverage provides limited
benefits.

Group Life Insurance: In Idaho and Oklahoma policy form number ICC20 CDL1100. In
New York, policy form number AF92100NY.

Group Short-Term and Long-Term Disability Insurance: In Idaho and Oklahoma,
policy form number ICC20 CDL1100. In New York, policy form number AGDI1100NY.



Aflac's family of insurers American Family Life Assurance Company of Columbus
and/or American Family Life Assurance Company of New York, and/or Tier One
Insurance Company, and/or Continental American Insurance Company, and/or
Continental American Life Insurance Company. In California, Tier One Insurance
Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).

Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999

Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211

Continental American Insurance Company | Columbia, SC

Z2400590

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