AFLAC SUPPLEMENTAL POLICIES American Financial Network, Inc. provides supplemental insurance policies through AFLAC to its employees and employees’ families. The employee is responsible for the full amount of the premium for themselves and their family. Loan Officers (commission employees): All policies offered are after-tax plans that will be taken out of the employees’ checking account, savings account, or credit card bi-monthly. Changes or cancellations to any of an employee’s policies may be made at any time, for any reason. Staff (salaried employees): All of the policies offered are pre-tax deductions that will be taken from the employees’ checks bi-monthly, with the exclusion of the disability and life insurance plans which are after-tax options. To enroll in an AFLAC program, please contact Doug Love to set up an appointment: Doug Love AFLAC Representative for AFN Phone: (909) 461-4157 Fax: (909) 235-4558 Email:
[email protected] Thank you, Danielle Abril
[email protected] 3110 Chino Ave. Suite 290 Chino Hills, CA 91709 Phone: (909)287-7176 Fax: (909)287-7013
3110 Chino Ave, Ste 290 Chino Hills, CA 91709 Ph: (909) 606‐3905 Fx: (909) 393‐1732 www.afncorp.com
AFN is enabling you to protect yourself financially with the amazing benefits of Aflac.
Do you know quack? • • • • • •
Aflac is different than health insurance; It’s insurance for daily living! Aflac pays cash benefits directly to YOU at the time you need it the very most: when you or a family member are hurt or sick! Aflac prices are affordable at all levels of income, and AFN is getting you a DEEP DISCOUNT! Aflac prices are fixed! Your price is the same for as long as you keep the policy! Aflac is portable – keep it regardless of where you or if you work. Aflac is paid for through a payroll deduction, deducted PRE-TAX (disability & life are after-tax) saving you tax dollars!
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Policy Choices ACCIDENT POLICY Pays cash benefits when you or a family member are hurt in in an accident & treated for injuries. From the freeway, kitchen, playground or sports field, Aflac is there!
DISABILITY POLICY Helps protect your cash flow when the Doctor says you cannot work due to an off-thejob injury or illness. Excellent maternity leave benefit!
CANCER POLICY
SICKNESS POLICY
Protects your family against the potential financial distress of a major illness like cancer. Large initial payout, plus a variety of benefits for different treatments.
Provides cash to assist with out of pocket expenses of Doctors visits, major diagnostic exams, surgeries and hospitalizations.
SPECIFIED HEALTH EVENT Provides cash when a major event (such as heart attack, stroke, paralysis, third-degree burns, etc.) occurs in your family. Large initial payout, daily hospitalization benefit, surgery, & much more.
Most Aflac policies contain “Wellness Benefits” – Cash in your pocket just for taking care of yourself! Annual wellness benefit. (PRE-TAX)
(AFTER-TAX)
Annual cancer screening, mammography & pap-smear wellness benefits. (PRE-TAX)
Annual pap smear and mammography benefit. (PRE-TAX)
Annual mammography benefit. (PRE-TAX)
DENTAL POLICY (PRE-TAX) Before your dentist sends your next appointment-reminder card, apply for a plan that may help pay for the visit! After all, you are going to the dentist for routine and preventive care, so why not have a dental plan that pays directly towards those periodic checkups and cleanings – in a fast and painless way! If you going to the dentist regularly (or need an incentive to begin), Aflac’s plan offers some of the finest in easy-to-understand, choice-based coverage. Orthodontic & Cosmetic riders are available. CHOOSE ANY DENTIST -- NO DEDUCTIBLE -- BENEFITS PAID REGARDLESS OF ANY OTHER INSURANCE VISION POLICY (PRE-TAX) LIFE INSURANCE (AFTER-TAX) Pays benefits for eye examinations, vision Specific quotes available. 10, 20 & 30 year term plus whole life. correction, glasses, contact lenses, LASIK, eye Spouse and child coverage! NO medical exams required! diseases & surgeries plus more! CHOOSE ANY DOCTOR! PROTECT YOUR FAMILY’S FUTURE!
Douglas Love YOUR Aflac representative 909.461.4157
[email protected]
“Money was a non-issue, because of my Aflac!” – Tia, Aflac policyholder & Breast Cancer Survivor
Peace of Mind and Real Cash Benefits
DENTAL INSURANCE
A82275
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DENTAL INSURANCE
Policy Series A82000 This brochure accompanies Schedule of Dental Procedures A82275SCH.
Smile. We’ve got you under our wing.® Millions of people believe a smile is the most important physical attribute—more so than hair, eyes, or figure.1 The best way to maintain or improve your smile is to brush and floss your teeth daily, visit your dentist, and apply for an Aflac Dental insurance policy. Aflac Dental provides benefits for periodic checkups and cleanings, X-rays, fillings, crowns, and much more. It’s your smile and your policy; Aflac Dental gives you control. ÈYou choose your dentist. Because Aflac doesn’t use a network of dentists, you can go to any dentist you choose. ÈYou and your dentist choose the best treatment for you. Aflac Dental doesn’t have precertification requirements. If the treatment is covered by your policy, you don’t need Aflac’s permission to receive it.2 Aflac Dental is different from many other dental plans you may have seen. ÈYou know what you’re getting with Aflac Dental. The plan spells out the benefits for both wellness and other diagnostic/treatment services. There are no gray areas. Each covered procedure has a specific benefit amount. ÈAflac Dental doesn’t have an annual deductible. Other dental plans may require you to meet an annual deductible before benefits are payable. ÈAflac Dental pays benefits regardless of any other plan. Even if you have other dental coverage, you’ll receive your full Aflac benefit amount. With Aflac Dental’s Annual Maximum Building Benefit, you can receive even more benefits. Aflac will increase each Covered Person’s Policy Year Maximum by $100 after each 12 consecutive months the policy is in force up to a maximum of $500 per Covered Person. 1
“The Public Speaks Up on Oral Health Care: An ADA and Crest/Oral-B Survey,” American Dental Association, October 2008.
2
Subject to applicable Waiting Periods.
Aflac Dental pays benefits for seven categories of dental treatments and hundreds of procedures. The benefit amounts within each category vary based on the procedure received and are subject to a Policy Year Maximum. Benefit amounts and the Policy Year Maximum are per Covered Person.
BENEFIT CATEGORIES
WAITING PERIOD
BENEFIT AMOUNTS
Preventive (Wellness and X-Ray)
None
$35–$50
Fillings and Basic Services
3 Months
$15–$275
Pain Management and Adjunctive Services
3 Months
$35–$140
Other Preventive Services
6 Months
$20–$120
Oral Surgery, Gum Treatments, and Prosthetic Repair
6 Months
$30–$975
Crowns and Major Services
12 Months
$20–$425
Major Prosthetic Services
24 Months
$45–$650
POLICY YEAR MAXIMUM
$1,600
T H I S B R O C H U R E I S F O R I L L U S T R AT I V E P U R P O S E S O N LY. P L E A S E S E E YO U R P O L I C Y F O R C O M P L E T E D E F I N I T I O N S, D E TA I L S, L I M I TAT I O N S, A N D E X C L U S I O N S. F O R M O R E I N F O R M AT I O N A B O U T T H E B E N E F I T S AVA I L A B L E , P L E A S E S E E T H E S C H E D U L E O F D E N TA L P R O C E D U R E S. A F L A C H E R E I N M E A N S A M E R I C A N FA M I LY L I F E A S S U R A N C E C O M PA N Y O F C O L U M B U S.
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C O V E R E D P E R S O N : Covered Person includes any person insured under the coverage type you applied for.
Aflac will not pay benefits for losses caused by or resulting from any procedure not shown on the Schedule of Dental Procedures; services that are not recommended by a dentist or that are not required for the preservation or restoration of oral health; repairs to dental work within six months of the initial work; treatment received while outside the territorial limits of the United States or, if outside the United States, the territorial limits of the place where your policy was issued; treatment received prior to the Effective Date of coverage; or
Please see the Schedule of Dental Procedures for a complete and comprehensive definition. G U A R A N T E E D - R E N E WA B L E : The policy is GuaranteedRenewable for your lifetime, subject to Aflac’s right to change premiums by class upon any renewal date. P O L I C Y Y E A R M A X I M U M : The Policy Year Maximum is the total dollar amount of benefits payable per policy year, per Covered Person. WA I T I N G P E R I O D : The Waiting Period is the period after the Effective Date of coverage for which benefits are not payable. If the policy is reinstated, all Covered Persons will be subject to new Waiting Periods beginning with the date of reinstatement. If a dependent is added by endorsement, the Waiting Period for such dependent will begin on the Effective Date of the addition. The Waiting Period will vary based on the benefit category.
treatment received during a benefit’s Waiting Period. No benefits will be paid for replacement of teeth missing before the Effective Date of coverage. Aflac will not pay benefits for services rendered by you or a member of the immediate family of a Covered Person. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Please see the Schedule of Dental Procedures for procedurespecific limitations and exclusions.
“Warning Signs in the Mouth Can Save Lives,” Academy of General Dentistry, October 2008.
3
aflac.com/social
1.800.99.AFLAC (1.800.992.3522)
Underwritten by:
American Family Life Assurance Company of Columbus Worldwide Headquarters | 1932 Wynnton Road | Columbus, Georgia 31999
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