Hi Viola, My husband has sold Aflac for 16 years and is one of the top 10 agents in AZ. It offered directly and through an employer (at a discount and IF they offer it). If you leave your employer, you can keep the policy and pay for it directly from your bank account, the premium will NOT increase, ever. So like any insurance, it's best to lock in the rates when you are younger and they are lower. Insurance just gets more expensive as you get older.
The way it generally works is you pay a small monthly fee and you get benefits from whatever policy or policies you buy. If you buy the accident policy, it covers things that could happen to you in an accident. My husband’s client recently received over $7,000 from being in a motorcycle accident. The biggest check he gave a client of his was for the Cancer plan and it was over $27,000. Each of these clients got other checks as claims were submitted. Those were just the first ones paid. There are cheaper supplemental plans but they don’t pay as well nor have the customer service and ethics that Aflac does. They are #1 for a reason.
My husband went skating with the kids, fell and hit his head and Aflac paid $385. My daughter accidentally scratched my son’s eye and Aflac paid $125. My SD stubbed her toe at her moms and Aflac paid over $350. These are just a few examples. They pay you cash to spend as you wish. It just goes into your bank account.
You live in AZ and we are notorious for car accidents as well as motorcycles. You can see that every day you are on the road. My husband does have a couple clients in Goodyear, even though we are in the East Valley. I will message you his phone number and if you are interested, he can stop by when he's in the area to chat with both of you to let you know what it involves and how it works.
Hope this info helps you and others who are not as familiar with Aflac. Good luck.
PS Aflac is NOT medical insurance! It is a supplemental insurance that pays you directly to use as you wish. You can pay medical bills with it or you don't have to.