My mom has AFLAC and it has been wonderful. She had breast cancer two years ago and she got paid to have a biopsy, MRI's, Surgery and even to take her pills. She got paid like a $1,000 for the biopsy, so much for the time she spent doing radiation, $5,000 for the breast cancer surgery and she is still getting paid $300/month to take her pill the doctor has prescribed due to the cancer. I personally don't know how they stay in business doing this, but I want AFLAC!!!!