Overview
Aflac is one of the largest supplemental insurers in the United States, providing life, accident, cancer, and disability insurance to millions of policyholders. When an Aflac policyholder passes away, the process typically involves filing a claim for death benefits rather than transferring an account.
This guide covers how to notify Aflac, the specific documents required for life insurance and other supplemental policy claims, and what beneficiaries can expect regarding timelines. Because Aflac offers both individual and group (employer-sponsored) policies, the specific forms may vary slightly, but the general notification process remains consistent.
This guide provides informational guidance only. It is not legal advice, and SwiftProbate is not a law firm. Laws and institutional procedures change — verify current requirements directly with Aflac and consider consulting a qualified attorney.
Notification Process
How to Notify Aflac of a Death
Step 1: Gather Initial Information
Before contacting Aflac, have the following ready to ensure a smooth process:
- Policy number(s) (found on billing statements or the policy document)
- Decedent's full legal name and date of birth
- Date of death
- Social Security number
- Your relationship to the policyholder
- Certified copy of the death certificate
Step 2: Contact the Claims Department
You can notify Aflac and initiate a claim through their online portal or by phone.
Online:
Go to Aflac's File a Claim page to start the process digitally. This is often the fastest way to get the correct forms.
By Phone:
Contact Aflac's Customer Solutions Center:
- Phone: (800) 992-3522
- Hours: Mon–Fri, 8 AM – 7 PM ET
Note: If the policy is an "Aflac Group" policy (offered through an employer), you may need to call (800) 433-3036 instead.
Step 3: Submit Required Documents
Once you report the death, Aflac will provide the specific claim forms required. You will typically need to submit:
- Completed Beneficiary Statement / Claim Form
- Certified Death Certificate
- Police Report (only if the death was accidental and you are claiming accidental death benefits)
Mail documents to:
Aflac Claims Department
1932 Wynnton Road
Columbus, GA 31999
Alternatively, you can often upload documents directly through the MyAflac portal if you are a registered beneficiary.
Step 4: Wait for Processing
After Aflac receives your documents, the standard processing time for life insurance claims is 14–60 days, though simple claims may be processed faster.
- Missing Information: If forms are incomplete, Aflac will send a letter requesting additional details, which will restart the timeline.
- Contestability: If the policy is less than two years old, the review process may take longer.
Required Documents
Documents Aflac Requires
The documents needed depend on the type of policy (Life, Accident, Cancer) and the beneficiary status.
Standard Life Insurance Claim
| Document | Details |
|---|---|
| Certified Death Certificate | Original or certified copy with a raised seal |
| Beneficiary Statement | Form provided by Aflac; completed by the named beneficiary |
| Policy Document | Original policy (if available), though not strictly required if lost |
Accidental Death Claim
| Document | Details |
|---|---|
| Police / Toxicology Report | Required to verify the cause of death was accidental |
| Autopsy Report | May be requested if cause of death is unclear |
If the Beneficiary is the Estate (No Named Beneficiary)
| Document | Details |
|---|---|
| Letters Testamentary / Administration | Court documents appointing the Executor/Administrator |
| Estate Tax ID (EIN) | Required for payment to the estate |
If the Beneficiary is a Minor
| Document | Details |
|---|---|
| Guardianship Papers | Court documents appointing a financial guardian for the minor |
If the Beneficiary is Deceased
| Document | Details |
|---|---|
| Death Certificate of Beneficiary | To prove they predeceased the policyholder |
| Affidavit of Heirship | May be required depending on the policy terms |
Account Types
How Aflac Handles Different Policy Types
Life Insurance Policies
The death benefit is paid directly to the named beneficiary. This bypasses probate and is usually tax-free.
Timeline: 14–60 days
Accident / Cancer / Critical Illness Policies
These policies may have an accrued benefit (for treatments received prior to death) or a specific death benefit rider.
- Accrued Benefits: Paid to the estate or surviving joint policyholder.
- Death Riders: Paid to the named beneficiary.
Timeline: 10–15 business days
Short-Term Disability
Disability payments typically stop on the date of death. Any unpaid benefits for the period the decedent was alive and disabled are paid to the estate.
Timeline: Varies based on final medical verification
Group Life (Employer Sponsored)
Claims for policies held through an employer (Aflac Group) are handled similarly but may have a different mailing address (often PO Box 84075, Columbus, GA 31993).
Timeline: 14–60 days
State Considerations
How Your State Affects the Aflac Process
Aflac operates nationally, but state insurance laws influence the claims process.
- Interest on Claims: Many states (like IL, NY, CA) require insurers to pay interest on the death benefit from the date of death until the date of payment.
- Contestability Period: In most states, if the insured dies within the first 2 years of the policy, Aflac can investigate the medical history to ensure no fraud occurred.
- Slayer Statutes: All states have laws preventing a beneficiary from collecting if they are responsible for the insured's death.
- Community Property: In states like CA, TX, and AZ, a spouse may have a claim to 50% of the policy proceeds even if they are not the named beneficiary, if premiums were paid with community funds.
For detailed probate and estate requirements, see our state probate guides.
Timelines
How Long Aflac Takes to Release Funds
| Claim Type | Estimated Timeline | Key Factor |
|---|---|---|
| Life Insurance (Clear Beneficiary) | 14–60 days | Fast if forms are complete |
| Life Insurance (Contestable) | 30–90+ days | Policy < 2 years old; medical records review |
| Accidental Death | 30–60 days | Awaiting police/autopsy reports |
| Estate as Beneficiary | 3–6 months | Depends on probate court issuing Letters |
| Accrued Health Benefits | 10–15 business days | Payment for prior medical services |
Note: Aflac is known for its "One Day Pay" for certain health claims, but death benefits typically require more thorough review.
Tips & Pitfalls
Common Pitfalls and Tips
Check for Multiple Policies
Aflac customers often have multiple supplemental policies (e.g., Cancer + Life + Accident). Ensure you file claims for all active policies, not just the life insurance.
Do Not Cancel Policies Immediately
Do not stop paying premiums or cancel coverage for a surviving spouse who may be covered as a dependent on the decedent's policy. Call customer service to convert the coverage to the survivor's name.
Submit a Certified Death Certificate
A photocopy is usually not accepted for life insurance claims. Send a certified copy with the raised seal.
Watch for "Accidental" Definitions
If claiming an Accidental Death benefit, be aware that deaths from illness, surgery complications, or natural causes generally do not qualify.
Update Beneficiaries on Other Policies
If you are the surviving spouse and beneficiary, remember to update your own beneficiary designations on your policies now that your spouse has passed.
Claims Appeals Address
If you need to appeal a claim decision, use the appeals address: PO Box 84065, Columbus, GA 31908-9998