Aflac offers a variety of insurance products like accident, cancer, dental, vision, life, and pet insurance to help pay for expenses your main medical insurance might not cover. They have an online portal called MyAflac where you can manage your policies, file and check claims, and update your info easily. You might get billed by Aflac for your insurance premiums, and they offer services like Aflac Always® that keep your payments going even if you change jobs or retire. It's a simple way to handle your insurance and make sure you get paid benefits when you need them.
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The cancellation process for individual Aflac policies is relatively straightforward, mainly requiring a phone call that takes about 15-20 minutes or contacting an agent who handles most of the process. Employer-provided policy cancellations are more complex, involving HR forms and timing constraints, but overall it is not very difficult to complete.
Estimated Time
On average, it takes 10 minutes 00 10 minutes to cancel a Aflac subscription.
How to Cancel Aflac: Step by Step
If you purchased through Aflac directly:
- Contact your Aflac agent directly for personalized assistance.
- Alternatively, call Aflac customer service at 1-800-992-3522.
- If calling, have your policy number and personal information ready:
- Your full name
- Your address
- Any additional identification information requested
- You can also cancel online by filling out the Customer Service contact form:
- If you have an employer-provided policy:
- Obtain the cancellation form from your employer’s HR department.
- Fill it out completely and ensure all required signatures are included.
- Be aware of insurance open enrollment periods to cancel your account:
- You can cancel your account during these periods; otherwise, you may have to wait until the next open enrollment.
- Ensure all forms are complete to avoid processing delays.
If you need assistance, here's how you can get in touch with Aflac's support team.
Email
The email is not available.
Tips and Tricks for Getting a Aflac Refund
- Call Aflac customer service at 1-800-992-3522 between 8 a.m. and 8 p.m. Eastern time for best chance at a live agent.
- Be polite but firm and clearly state your desire to cancel your policy or membership.
- Have all personal information and your policy number ready to speed up the process.
- Time your cancellation before your next billing cycle to avoid being charged for the next period.
- For employer-provided policies, contact your HR department and submit the required cancellation forms promptly.
- Understand that pre-tax employer coverage usually cancels effective January 1 of the next year, so offer to follow up early in the year if needed.
- Escalate
- Be aware that Aflac sends cancellation paperwork only by mail, so request tracking or confirmation.
- Focus on your employer or payroll provider to stop payroll deductions as Aflac does not control payroll directly.
- If phone cancellations are difficult, some users report success with third-party apps like DoNotPay to bypass wait times and ensure prompt cancellation.
- In writing, explicitly state you want to cancel and save copies of all correspondence, especially with your employer or Aflac representatives.
- Appealing denied claims often requires detailed letters from doctors and sometimes using lawyers familiar with disability claims, if relevant.
Why Do People Request Refunds from Aflac
- Misleading pricing and continued charges after cancellation requests
- Poor and unresponsive customer service
- Difficulty and delays in claim processing and payments
- Cancellation without notification due to payment issues
- Excessive documentation requirements
- Lack of helpful communication or support for claimants
- Billing errors continuing after cancellation
- Frustration with policy handling post-employee retirement or death
- Perception of being scammed or defrauded
Aflac Refund Script
Script
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Dear Aflac, Support,
I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience.
Thank you for your attention to this matter. I look forward to your prompt response.
Best regards,
Aflac Refund Policy
Aflac's cancellation policy for life insurance allows you to cancel by either letting the policy lapse through non-payment of premiums or surrendering a permanent policy to receive its cash surrender value minus any fees. Cancellation may involve filling out forms and contacting Aflac directly, with considerations for possible fees and effects on beneficiaries. Alternatives such as reducing coverage or borrowing against cash value are also available before canceling. For details, contacting an Aflac agent is recommended.
The Easiest Way to Get a Aflac Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Aflac—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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