Whole Life Insurance

Whole Life Insurance


While we all know that life insurance helps protect our loved ones for the long term, sometimes we don’t consider that there are other benefits of a whole life insurance plan as well. 


Priced to fit most budgets, Aflac Group Whole Life insurance can give your family a financial cushion when they need it. And, unlike some kinds of life insurance, a whole life insurance plan won’t be canceled just because you reach a certain age.

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Aflac Group Whole Life is designed to build cash value—at a guaranteed rate of return. It’s a feature that could come in handy down the road for short-term or unplanned expenses.

There are other advantages, as well:


  • You may apply for benefit amounts by answering only a few medical questions.
  • Once your Whole Life insurance application has been approved and payroll deductions have started, the coverage is yours to keep as long as you continue to pay premiums.
  • Aflac Group Whole Life builds cash value that you can access for life’s challenges and life’s opportunities.
  • Generous coverage amounts are available. You can enroll in amounts up to $300,000, subject to a minimum amount of $20,000. If you enroll, you can enroll your spouse in amounts between $5,000 and $100,000 and your children in the following benefit amounts: $10,000, $25,000.
  • Plus, enjoy guaranteed issue amounts of up to $75,000 for yourself, up to $25,000 for your spouse and $10,000 for child(ren) under the Child Term Life Rider.
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Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Who is the provider?

    For more than 60 years, Aflac has been dedicated to helping provide individuals and families peace of mind and financial security when they’ve needed it most. The Aflac Group Whole Life plan is just another innovative way to help make sure you’re well protected under our wing.


    Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.


    Continental American Insurance Company • Columbia, South Carolina


    This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.


    AGC2002727          EXP 11/21

  • Who is eligible?

    You can enroll if you:

    • Are a regular employee working at least 16 hours per week
    • Are actively at work on both the date the enrollment form is signed and the effective date of coverage
    • Are a U.S. citizen or U.S. permanent resident


    If you enroll, you can also enroll these family members:

    • Your legal spouse
    • Your dependent children or those of your spouse, up to age 26
  • What if my employment status changes?

    When you leave or retire from your current employer or transfer to contingent status, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods. You will be billed directly for your cost of coverage at portable rates. Portable rates may be higher.


  • When would my coverage start?

    Coverage is effective the 1st of the month following 30 days of employment.




  • When can I enroll?

    At certain times you may be allowed to enroll in the Group Universal Life plan by not completing as many questions. These times include:

    • Within 30 days of your initial eligibility date
    • During special enrollment periods as offered by your employer and the insurance provider
    • Within 30 days of a qualifying life event


  • Are there other benefits to this plan?

    Additional benefits include:

    • Accelerated Benefit Rider (employee and spouse only): payable when the insured is diagnosed with one or more Qualifying Events.
    • Accidental Death Benefit Rider (employee and spouse only): provides an additional benefit equal to the insured's face amount if the insured dies within 90 days of direct accidental bodily injuries.
    • Waiver of Premium Benefit Rider (employee only): waives entire premium amount for employee coverage after the insured has been totally disabled due to bodily injury or disease for 4 consecutive months and continues throughout the duration of the disability. Any recurrence of a prior disability will be covered, provided the prior disability continued for at least 6 consecutive months, began within 30 days of recovery, and was due to the same or related causes.




Learn More

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Whole Life Program Overview
Whole Life Brochure
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.