Your partner for success

Supplemental insurance strategies are essential

The need for supplemental benefits continues to grow. Our strategies and solutions can help you meet your clients' needs and grow your footprint in the market.

Brokers Employers Employees

58% couldn't cover unexpected out-of-pocket medical costs of $1,000 or more.4

5% compound annual growth rate in traditional voluntary benefits over last 10 years.2

69% see voluntary benefits and services as an important part of their value proposition in the next 3-5 years.3

85% of employees, including gig workers, see a growing need for supplemental insurance benefits.4

61% of all voluntary sales generated by brokers.1

$8.8B in voluntary worksite sales.1

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Expertise to help you overcome the challenges

Leverage our suite of capabilities, products and services, strengthened by 65 years of experience in supplemental insurance benefits, to help solve your top benefits challenges:

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The ever-changinghealth care landscape

Increased performance,growth and profitability

Stronger competitiveadvantages

Enhanced speed-to-marketand customer experience through technology and

innovation

Greater employee engagement and

participation

Maximized productivity and operational

efficiencies

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Technology with a competitive edge

We can deliver a fully integrated enrollment experience for core and Afl ac products, from enrollment to benefi ts administration, using our own proprietary system, Everwell®. Through Everwell integrations, we connect with the most reputable benefi ts administration partners to provide core enrollment and easy access to Afl ac supplemental insurance products.

Support the entire account lifecycle – before, during and after the enrollment

Enroll all benefi ts — major medical , supplemental and other

Leverage case-building capabilities

Integrate with leading technologies or use our Everwell platform

Engagement strategies that work with you

Our employee engagement strategies help employees understand what they have, what they need and how it all works together to help provide fi nancial protection. We strive to complement – not complicate – your strategy, with customized solutions to help meet your enrollment goals.

Our national network of certifi ed benefi ts counselors can receive special training on all of your clients’ unique benefi ts options and serve as an extension of your team throughout the enrollment process.

One-on-one

When in-person meetings aren’t an option, our virtual call center is the next best thing. It ensures benefi ts counselors are available to hard-to-reach employees.

Phone

We off er 24/7 enrollment capabilities through our proprietary Everwell system for a seamless enrollment experience. Whether you’re leveraging our enrollment technology and benefi ts administration platform or your own, we’ll adapt.

Online

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Personalized communication and education

Personalized communication and education helps lead to greater employee participation, engagement and benefits satisfaction – which can mean more revenue for you.

• One of the nation's largest national networks of local enrollment teams• Certified benefits counselors with experience in core and supplemental enrollments• Case builders to help save you time and money

Engagement and communication strategies should be as unique as each client’s employee mix. We can provide strategies and an extensive mix of print and digital materials to meet your enrollment goals.

A team for long-term support

Benefits communication tools

True platform integration, end-to-end enrollment and administration technology, and ACA reporting and compliance.

Full-scale, $0 per employee, per month (PEPM) benefits administration spanning from enrollment and communication, to reporting through our Selerix partnership or integration with your preferred platform.

Marketing and technology subsidies to support the costs of communicating and enrolling clients’ benefits packages through your preferred platform or our Selerix relationship.

Flexible spending and health savings accounts through our partnership with Maestro Health.

Specialized underwriting with customized plans tailored to the public sector’s unique needs.

Unique solutions for the public sector

Decades of industry expertise and experience serving 38,000 public sector customers positions us to understand the unique challenges these clients face. Our solutions can help meet their needs, from cost-management strategies to robust technology capabilities and customized products and services.

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ACCIDENT

HOSPITAL

CRITICALILLNESS

CANCER

DISABILITY

VISION ANDNETWORK VISION

BENEXTEND®

DENTAL ANDNETWORK DENTAL

LIFE

INSURANCE PLANS

VALUE-ADDEDSERVICES

TELEHEALTH

PERSONAL WELLNESS

COLLEGEASSISTANCEPLAN

FRAUD AND IDENTITYPROTECTION

HEALTH ADVOCACY AND MEDICAL BILL SAVER

AD&D COVERAGE WITH TRAVEL SERVICES

FINANCIAL AND LEGAL FITNESS

AFLAC PASS

A full spectrum of products and services

Our comprehensive suite of group life and disability, and supplemental insurance products plus value-added services, provides a robust mix of options. You can help your clients control costs and navigate the ever-changing health care landscape while helping employees protect what matters most.

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A partner you can trust

With 65 years of experience and an iconic brand, Afl ac carries high recognition, which can lead to higher enrollment participation and greater revenue for you. We have the expertise, drive for innovation and comprehensive solutions to help you grow and succeed in today's marketplace.

Talk with your broker sales professional to learn more.

POINTS OF LIGHT

#1 Providerin voluntary/worksite sales in the U.S.1

Talk with your broker sales professional to learn more.

#1 Providerin voluntary/worksite sales in the U.S.1

50 Million+people worldwide trust us to help protect

what matters most.6

447,000+businesses in the U.S. have Afl ac.5

1 Eastbridge Consulting Group, Inc. U.S. Worksite/Supplemental Sales Report. Carrier Results for 2019. Avon, CT; April 2020.2 Voluntary benefits: 2020 and Beyond, BenefitsPRO, January 24, 2020, https://www.benefitspro.com/2020/01/24/voluntary-benefits-2020-and-beyond, accessed May 29, 2020.3 Voluntary Benefits-The Employer's Prospective, Pittsburgh ISCEBS Benefits Day, May 23, 2019, Willis Towers Watson4 The 2018 Aflac WorkForces Report is the eighth annual Aflac employee benefits study examining benefits trends and attitudes. The study captured responses from 2,000 employees across the United States in

various industries. The 2018 Aflac WorkForces Report survey was conducted by Lightspeed on behalf of Aflac. For more information, visit AflacWorkForcesReport.com.5 Aflac internal data, March 2020 6 Aflac Incorporated, 2018 Year In Review.

Products and benefits vary by state and may not be available in some states. Plan design and optional benefi ts are selected at the employer level.

Products vary by state and may not be available in all states. Individual coverage is underwritten by American Family Life Assurance Company of Columbus. Group coverage is underwritten by Continental American

Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups situated in California, group

coverage is underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups situated in New York, coverage is underwritten by American Family Life

Assurance Company of New York.

The value-added services that are the subject of this guide, and are made available on Everwell, are offered by multiple providers. Aflac’s affiliation with the value-added service providers is limited only to a

marketing alliance. Other than this marketing alliance, Aflac and the value-added service providers are not affi liated in any way. Aflac makes no representations or warranties regarding the value-added service

providers, and is not responsible for any of the products or services provided by the value-added service providers. The value-added services may not be available in all states, and benefi ts may vary by state.

Each value-added service provider offers its products and services subject to its own terms, limitations and exclusions. Refer to plan details in Everwell for further information on terms, limitations and exclusions.

The content within is for informational purposes, for broker-facing audiences only. This information is not approved to distribute to prospective insureds, to prospective accounts, or to use as a solicitation.

Misrepresenting this, or any, information to solicit or induce an insured to lapse, forfeit, or surrender an insurance policy is prohibited by law. Any use not specifi cally permitted herein is strictly prohibited.

Aflac agents are independent agents of Aflac, and are not employees of Aflac.

Aflac includes Aflac and/or Aflac New York and/or Continental American Insurance Company and /or Continental American Life Insurance Company.

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