How to Cancel Aflac for You or a Deceased Loved One




Sometimes navigating a large company’s customer service departments is stressful – especially if you are trying to sever ties with the company. We would like to help. 

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Here’s information on how to cancel both your own Aflac policy and the policy of a deceased loved one. We have scoured the fine print of the Aflac website to find this information for you.

Steps for Canceling Your Own Aflac Insurance Policy

Aflac sells supplemental health insurance in the following categories: short-term disability, life (both term and whole), accident, cancer, critical illness, hospital intensive care, hospital indemnity, dental, and vision. 

If you currently hold an Aflac policy, here are the steps to canceling it. 

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1. Contact Aflac’s customer service department

There are several methods available for contacting Aflac’s customer service. 

Option 1: Log into your account

Most websites allow you to make changes to your account online. You’ll need to begin this process by logging into your Aflac account.

Do you have a difficult time remembering your passwords for all of your online accounts? Consider using a password manager, which is a secure way to save the log-in information and passwords on your home computer. 

Once you have logged into your account, navigate to the page that allows you to manage your options. From there, click on “Cancel My Account.”

Option 2: Utilize the customer chat option on the website

Visit the customer service page on the Aflac website and click on the orange bar on the right-hand side of the screen that says “Chat With Us.” This feature will help you navigate the Aflac website easier.

The customer chat option will probably force you to log into your account. The benefit of using the chat function is that it will help you navigate to the correct page to cancel your account. 

Option 3: Call the customer service number

According to the Aflac website, the customer service phone number is for those with complex situations or those who prefer to talk directly with a company representative. The Aflac customer service hours are 9 a.m. to 7 p.m. ET. 

There are several different numbers listed on the company website.

  • Aflac Customer Solutions Center: 800-992-3522
  • Aflac Group Customer Solutions Center: 800-433-3036
  • Aflac New York Customer Solutions Center: 800-366-3436
  • Aflac Direct: 866-990-2668

(The Aflac Direct line is for customers who purchased a policy online or over the phone after January 4th, 202.)

When you talk with the staff member, you’ll need to be prepared to provide them with your policy number and customer details. Then, explain that you wish to cancel your policy and stop recurring payments.

Option 4: Email the customer service department

Some customers prefer to work through email when contacting customer service. Using email certainly has its advantages – as you can keep a written record of your correspondence and refer back to instructions that the customer service department provided. 

Instead of providing the customer with a specific email address, Aflac customers are encouraged to submit this form to describe the issue.

Option 5: Send mail to the customer service department

If your issue escalates, or if you simply prefer to write to a company, you can write a letter to the Aflac customer service department using the following address:

Consumer Response and Resolution Department
PO Box 5388
Columbus, GA 31906-0388

Please note that this isn’t the payment address. 

Option 6: Contact your company’s HR department

If you have a group policy with Aflac, you might need to cancel it through your company’s HR department. Keep in mind that most companies won’t let you enroll in another policy until enrollment. 

Option 7: Stop payments with your bank

A straightforward method for closing most accounts is to stop payments with your bank. However, if you are paying for a life insurance policy through Aflac, talk with a customer service representative and financial advisor before canceling. 

Step 2: Make sure you receive confirmation that the account is closed

It’s always a good idea to keep the confirmation statement that an account was closed. This document will enable you to manage any disputes that may later arise with the company. 

Steps for Canceling a Deceased Loved One’s Aflac Insurance Policy

If you recently lost a close family member, you are probably overwhelmed with the list of things to do when someone dies.

Most full-service funeral homes will notify the Social Security Administration about the death. This agency then notifies the major credit agencies in the company. The credit agencies will then flag your loved one’s social security number so that criminals can’t open new accounts in your loved one’s name. 

Remember that notifying companies about a death and closing accounts are two separate acts. The executor of the estate typically pays the debts of the estate using the assets of the deceased and closes the accounts. Once those steps have been completed, the assets are divided among the beneficiaries.

Canceling your loved one’s Aflac insurance policy and collecting any funds from the policy will require you to provide a certified death certificate

Here are the steps for canceling your loved one’s Aflac insurance policy and for filing a claim. 

Step 1: Visit Aflac’s website

Navigate to the “File a Claim” page where you can begin the process.

Step 2: Select the appropriate Aflac product

If you aren’t sure what type of claim you wish to claim, the page lists products the company sells.

Step 3: Upload any required forms to the Aflac website

For example, you might need to submit the death certificate, birth certificate, or the signature of the beneficiaries.

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Step 4: Read and accept the terms and conditions

You'll need to accept the terms before you can continue.

Step 5: Verify your identity

You’ll be required to verify your identity before you can process the claim. The Aflac website will walk you through this process.

Step 6: Complete the claim form

A progress tool at the top of your screen will enable you to see how far you are in the process.

Step 7: Upload any necessary forms

Depending on the type of claim you are processing, you might be required to submit medical forms to the Aflac website. In addition, you might also be required to submit a HIPPA release form.

Step 8: Upload your direct deposit information

This step is optional. You may be able to receive your claim by check, but having a direct deposit may speed up the process.

Step 9: Review your claim and submit it

Making a mistake on your Aflac claims may prolong the process. Review your claim before submitting it, and then download a copy of the claim for your files.

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Step 10: Ask for confirmation that the account is closed

Keep the confirmation with the estate documents. 

Frequently Asked Questions: Cancel an Aflac Policy

You might have other questions about canceling your loved one’s Aflac policy. Here are two of the most common questions and our answers. 

Can you cancel an Aflac policy at any time?

In most cases, you can cancel an Aflac policy at any time. However, you may not be able to enroll in a new policy until the enrollment dates set by your company. 

Before canceling a life insurance policy, talk with an Aflac customer service department representative, your HR representative, and a financial advisor. 

What happens after you cancel an Aflac policy?

Typically, your coverage will continue until the end of the month.

Aflac doesn’t give pro-rated refunds when you cancel your individual insurance plan. However, for terminations of Aflac life insurance with a cash value, you may receive money back when the policy expires. You should contact a financial advisor to understand the full ramifications of canceling a life insurance policy.

Seek Professional Advice When Canceling Insurance Policies

When making any financial decision, it is best to consult with a trusted financial advisor instead of an insurance salesperson. Regardless of whether you are canceling your loved one’s Aflac policy or your own, understand the potential ramifications of your actions.

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