Ricks Consulting is Helping families and businesses in the toughest times in life with Accident, Cancer, disability, Dental, Vision, Hospital and Life.
American Family Life Assurance Company (Aflac), is among the most respected insurance companies in the US. It was started by three brothers: Paul, John and Bill Amos in 1955. Aflac very quickly became popular and sold over 6,400 policies and accumulated more than $380,000 in assets in its first year of doing business. Aflac has a wide variety of health and accident insurance policies to meet the needs of almost every person and employer alike. As of 2003, over 98% of all Aflac plans sold in the US were issued through payroll deduction, a great convenience to the customer making the insurance firm a frontrunner in using that type of policy distribution approach.
As Aflac's motto states they will make cash payments to their clients when they get hurt and are unable to work. To this end, they offer many types of insurance packages for business owners, employers and individuals covering:
Accident/Disability
Cancer/Specified Disease
Hospital Intensive Care
Specific Health Event
Vision
Dental
Critical Care and Recovery
Long-term Care
Hospital Confinement/Sickness Indemnity
Medicare Supplement
Short-term Disability
Life Insurance
Child Life Insurance
Even though many company execs who monitor the positive characteristics of insurance coverage have privately acknowledged that customer service can be somewhat spotty, which seems to fall in line with the insurance coverage in the marketplace, many clients have related very positive experiences with customer service reps and sales consultants.
Some positive points that should be considered when looking at Aflac insurance plans are:
Portability
They pay you directly
A wide variety of plan packages
Coverage for some preventive care
Simple to complete claim forms
Also available from the company are packages covering dependent day-care, un-reimbursed medical expenses, and portable flexible spending accounts. The company also provides human resources services for COBRA and HIPAA management.
The company's network marketing sales structure has made it among the most prosperous in the country. Even though sales consultants earn lower commissions on average than other insurance companies they have created a very profitable business model.
It's simple to get coverage from Aflac. You simply need to request a quote from them and then meet with a policy consultant to discuss your particular needs. In general, Aflac has proven to be a trusted and reliable supplemental insurance company that offers a wide variety of insurance products at reasonable rates.
What do newsman Peter Jennings, actors Steve McQueen and John Wayne, television personality Tammy Faye Bakker and horror maestro Vincent Price have in common? Besides being famous, each died of lung cancer.
While not all victims of lung cancer are smokers, the disease is closely linked to tobacco use. And it’s deadly: Lung cancer accounts for about 27 percent of all cancer deaths and is by far the leading cause of cancer death among both men and women. Each year, more people die of lung cancer than of colon, breast and prostate cancer combined.
The Great American Smokeout addresses lung and other cancers by encouraging participants to stop smoking for 24 hours in hopes they’ll decide to quit forever. This year, the Smokeout takes place on Nov. 15 and presents companies with a great opportunity to communicate with workers about the health benefits of being tobacco-free.
The Aflac Employee Communications Toolkit provides businesses with a variety of materials they can use to communicate clearly and often with employees about health and insurance issues. Among them is a handy poster encouraging workers to stop smoking. It can be displayed in break rooms, cafeterias and other shared areas. Even better news: The poster is free and can be customized with your company’s logo.
