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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 128 (from laksa134)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa128.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx","crawl_time":1776760715,"first_indexed_time":1623340103,"http_code":200,"src_unparsed":"com,aflac!www,\/resources\/life-insurance\/types-of-life-insurance.aspx s443","src_root_hash":"1986414688645638728","history_drop_reason":null,"meta_title":"Different Types of Life Insurance and How to Choose | Aflac","meta_descriptions":["Not sure what type of life insurance is right for you? Aflac highlights the different types of life insurance policies to help you make an informed decision."],"attrs_boilerpipe_text":"1\nInvestopedia - Life Insurance: What It Is, How It Works, and How To Buy a Policy. Updated December 15, 2025.\nhttps:\/\/www.investopedia.com\/terms\/l\/lifeinsurance.asp\n. Accessed January 9, 2026.\nContent within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.\nAflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.\nAflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series\/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series\/Term: In Arkansas, Idaho & Oklahoma, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia.\nAflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).\nIn AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York.\nCoverage\/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits\/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.\nReceipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.\nAflac does not offer Universal or Variable Universal life insurance.\nGroup Life Insurance plans:\nCAI9100R series:\nIn Arkansas, Policy CAI9100, in Idaho, in Oregon, Policy CAI9100R, in Oklahoma, Policy CAI9100OK, in Pennsylvania, Policy CAI9100PA. In Texas, Policy CAI9100TX, in Virginia, Policy CA9100RVA.\n92000 series:\nIn Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policy ICC20 CDL1100. In New York, Policy AF92100NY.\n93000 series:\nIn Arkansas, Idaho, Oklahoma, and Oregon Policy ICC22 C93100.\nWL-9800-MP series:\nIn Arkansas, Policy WL9800-MP AR, in Idaho, Policy WL9800-MP ID, in Oklahoma, Policy WL9800-MP OK, in Pennsylvania, Policy WL9800-MP (PA), in Texas, Policy WL9800-MP, in Virginia, Policy WL9800-MP(VA).\nAflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999\nAflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211\nContinental American Insurance Company | Columbia, SC\nZ2400140R2\nEXP 2\/27","attrs_markdown":"Request a quote dialog. Please choose an option.\n\nPlease choose \"Individual\" or \"Business.\"\n\n[![Close modal icon](https:\/\/www.aflac.com\/_Global-Assets\/dagger\/home\/img\/icon_close.svg)](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n## I would like to...\n![](https:\/\/www.aflac.com\/_Global-Assets\/dagger\/home\/img\/icon_individual.png)\n\n### Speak to an Agent\n[Get a Quote](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n![](https:\/\/www.aflac.com\/_Global-Assets\/dagger\/home\/img\/icon_business.png)\n\n### Quote & Apply Online\n\nBusiness owner? [Get more info about Aflac for business owners..](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n[Skip to main content](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n- [hide]()\n\n### Notifications from Aflac\n**We care about Aflac’s policyholders affected by the recent weather:**\n\nTo help provide relief for California policyholders residing in Imperial County affected by the August Monsoon Storm, Aflac will provide a premium grace period starting Aug. 24, 2025, and ending April 27, 2026. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.\n\nFor Network Dental and Vision Members:\n\nThis grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.\n***\n**We care about Aflac’s policyholders affected by the recent wildfires:**\n\nTo help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting Sept. 3, 2025, and ending Nov. 26, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.\n\nFor Network Dental and Vision Members:\n\nThis grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.\n***\n\n[Dismiss all notifications closes this dialog](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n- [hide](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n![](https:\/\/www.aflac.com\/_global-assets\/images\/rcc\/sprites\/info-icon.svg)New messages from Aflac \\| [View Notifications opens a dialog](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx#nd-message \"View Notifications\") [Close X dismisses the notification alert](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx \"Hide Notifications\")\n\n[Individuals & Families](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n- High Contrast Mode\n- [Español](https:\/\/www.aflac.com\/es\/default.aspx)\n- [Find an Agent](https:\/\/www.aflac.com\/agent-locator\/default.aspx)\n- [Log In \/ Register]()\n  - [Individuals](https:\/\/mylogin.aflac.com\/)\n  - [Business Owners](https:\/\/businessservices.aflac.com\/)\n  - [Brokers](https:\/\/brokerservices.aflac.com\/)\n  - [Agents](https:\/\/sell.aflac.com\/)\n\n- [Individuals & Families Learn how Aflac pays cash benefits to help with out-of-pocket expenses that your major medical may not cover.](https:\/\/www.aflac.com\/individuals\/default.aspx \"Individuals & Families\")\n- [Business Owners Aflac lets you provide your employees with outstanding benefits without costing you a penny.](https:\/\/www.aflac.com\/business\/default.aspx \"Business Owners\")\n- [Agents Explore the unlimited potential and flexibility that comes with the opportunity to become an Aflac insurance agent.](https:\/\/www.aflac.com\/sales-jobs\/default.aspx \"Agents\")\n- [Brokers Offer your clients better benefit options with Aflac supplemental insurance policies.](https:\/\/www.aflac.com\/brokers\/default.aspx \"Brokers\")\n\n[Individuals & Families](https:\/\/www.aflac.com\/individuals\/default.aspx)\n\n- [File a Claim](https:\/\/www.aflac.com\/file-a-claim\/default.aspx)\n- [Products](https:\/\/www.aflac.com\/individuals\/products\/default.aspx)\n- [Resources](https:\/\/www.aflac.com\/individuals\/myaflac\/default.aspx)\n\n- [Enable High Contrast Mode Disable High Contrast Mode](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n- [Español](https:\/\/www.aflac.com\/es\/default.aspx)\n- [Find an Agent](https:\/\/www.aflac.com\/agent-locator\/default.aspx)\n- [Log In \/ Register]()\n\n[File a Claim]()\n\n- [File a Claim](https:\/\/www.aflac.com\/file-a-claim\/default.aspx)\n- [Log In \/ Register for MyAflac](https:\/\/mylogin.aflac.com\/)\n\n[Products]()\n\nDirect Products\n\n- [Accident Insurance](https:\/\/www.aflac.com\/individuals\/products\/accident-insurance.aspx)\n- [Cancer Insurance](https:\/\/www.aflac.com\/individuals\/products\/cancer-insurance.aspx)\n- [Critical Illness Insurance](https:\/\/www.aflac.com\/individuals\/products\/critical-illness-insurance.aspx)\n\n- [Dental Insurance](https:\/\/www.aflac.com\/individuals\/products\/dental-insurance.aspx)\n- [Dental, Vision and Hearing Insurance](https:\/\/www.aflac.com\/individuals\/products\/dental-vision-hearing-insurance.aspx)\n- [Final Expense Insurance](https:\/\/www.aflac.com\/individuals\/products\/final-expense-whole-life-insurance.aspx)\n\n- [Life Insurance](https:\/\/www.aflac.com\/individuals\/products\/life-insurance.aspx)\n- [Pet Insurance](https:\/\/www.aflac.com\/individuals\/products\/pet-insurance.aspx)\n- [Supplemental Dental Insurance](https:\/\/www.aflac.com\/individuals\/products\/supplemental-dental-insurance.aspx)\n\nEmployer Offered Products\n\n- [Hospital Insurance](https:\/\/www.aflac.com\/individuals\/products\/hospital-insurance.aspx)\n- [Short-Term Disability Insurance](https:\/\/www.aflac.com\/individuals\/products\/short-term-disability-insurance.aspx)\n- [Supplemental Vision Insurance](https:\/\/www.aflac.com\/individuals\/products\/supplemental-vision-insurance.aspx)\n\n[Resources]()\n\nArticle Topics\n\n- [Cancer Insurance Advice](https:\/\/www.aflac.com\/resources\/cancer-insurance\/default.aspx)\n- [Dental Insurance Advice](https:\/\/www.aflac.com\/resources\/dental-insurance\/default.aspx)\n- [Hospital Insurance Advice](https:\/\/www.aflac.com\/resources\/hospital-insurance\/default.aspx)\n- [Life Insurance Advice](https:\/\/www.aflac.com\/resources\/life-insurance\/default.aspx)\n- [Health Insurance Advice](https:\/\/www.aflac.com\/resources\/health-insurance\/default.aspx)\n\nCustomer Resources\n\n- [Getting Started Guide](https:\/\/www.aflac.com\/individuals\/myaflac\/getting-started-guide.aspx)\n- [Aflac Always](https:\/\/www.aflac.com\/aflac-always\/default.aspx)\n- [How to Access Your Account](https:\/\/www.aflac.com\/individuals\/myaflac\/default.aspx)\n- [Filing Wellness Benefit Claims](https:\/\/www.aflac.com\/individuals\/myaflac\/filing-wellness-benefits.aspx)\n- [Life Event Changes](https:\/\/www.aflac.com\/life-events\/default.aspx)\n\nFind a Provider\n\n- [Find a Provider](https:\/\/www.aflac.com\/about-aflac\/providers\/default.aspx)\n\nTools\n\n- [Life Insurance Calculator](https:\/\/www.aflac.com\/individuals\/life-insurance-calculator\/default.aspx)\n\nIndividuals & Families\n\nGet a Quote\n\n[Resources](https:\/\/www.aflac.com\/resources\/default.aspx)\n\n[Life Insurance Advice](https:\/\/www.aflac.com\/resources\/life-insurance\/default.aspx)\n\nTypes of Life Insurance Policies\n\n# Types of Life Insurance Explained\nNavigating through all the different types of life insurance can seem daunting. At Aflac, we want to help simplify your search and guide you toward finding the life insurance policy that best fits your lifestyle. Let’s dive deeper into how life insurance works, the [types of policies](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx) available, and how you can choose life insurance that’s best for you and your loved ones.\n\n5 Min Read\n\n**Table of Contents**\n\n- [How does life insurance work?](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx#how-does-life-insurance-work-)\n- [Why life insurance is important](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx#why-life-insurance-is-important)\n- [Types of life insurance](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx#types-of-life-insurance)\n- [Which life insurance policy type is best for me?](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx#which-life-insurance-policy-type-is-best-for-me-)\n- [How to get a life insurance policy](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx#how-to-get-a-life-insurance-policy)\n- [Aflac offers various types of life insurance](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx#aflac-offers-various-types-of-life-insurance)\n\n### Key Takeaways\n- Life insurance can provide a death benefit to loved ones in the event of your passing.\n- There are several types of life insurance policies, each offering different levels of coverage, durations, and costs to fit various needs.\n- Aflac offers various types of life insurance policies with comprehensive coverage, including term, whole, and final expense insurance for individuals.\n## How does life insurance work?\nLife insurance is a policy that provides a death benefit payout to beneficiaries if you pass away while it’s active. While there are various life insurance options, these plans tend to function similarly. Whether you have life insurance that lasts your entire life or just 20 years, you must pay regular premiums in order to receive your benefits.\n\nDepending on the type of life insurance policy, there may be other features available. For instance, permanent life insurance policies offer a cash value component that grows over time and that can be used to help cover medical expenses or everyday costs of living.1\n\n## Why life insurance is important\nA life insurance policy can help protect your loved ones financially in the event you unexpectedly pass away. If you die while the plan is still active, your beneficiaries may file a claim and collect a death benefit payout. The death benefit can help alleviate financial stress and allow loved ones to grieve properly. It’s usually flexible, meaning the funds can be used for funeral costs, debt, everyday bills, college, and virtually any other expenses.\n\n## Types of life insurance\nEach life insurance plan is distinct, so it’s crucial to understand the different life insurance policies so you can find the best option for you and your family. Here are some common types of life insurance:\n\n### Whole life insurance\nWhole life insurance is a permanent coverage type that lasts your entire life. The benefit will be paid to your beneficiary whenever you pass. This may be a more expensive option upfront, but the benefits can be more secure in the long run.\n\nAflac offers [whole life insurance](https:\/\/www.aflac.com\/resources\/life-insurance\/whole-life-insurance.aspx) for individuals that can help provide support for your loved ones. This type of policy may be a wise move if you are hoping to factor in long-term financial planning.\n\n### Term life insurance\n[Term life insurance](https:\/\/www.aflac.com\/resources\/life-insurance\/term-life-insurance.aspx) is a temporary type of policy that provides coverage for a set term or specific amount of time. At Aflac, we offer multiple term lengths in 10, 20, and 30-year increments. This plan may be a more competitive route. However, the policyholder must pass during the designated time frame of the plan for the beneficiary to receive benefits.\n\n### Final expense insurance\nFinal expense insurance is a type of permanent life policy that offers a smaller death benefit payout. Beneficiaries can use this payout to cover a funeral, burial costs, medical bills, and other end-of-life expenses after you pass away. Aflac offers [final expense insurance](https:\/\/www.aflac.com\/individuals\/products\/final-expense-whole-life-insurance.aspx) with fixed and reasonable premiums.\n\n### Group life insurance\nAs a business owner, it’s important to make sure your employees feel safe and seen. [Group life insurance](https:\/\/www.aflac.com\/business\/products\/life-insurance.aspx) is a great type of policy if you are looking to provide benefits for your employees or members of an organization. Aflac gives you the opportunity to offer your hard workers term or whole group life insurance options.\n\n![Aflac duck with wings out](https:\/\/www.aflac.com\/_global-assets\/images\/mockup-images-do-not-use-for-final\/duck-wings-out-right.png)\n\n### Peace of mind doesn't have to break the bank\nDon’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.\n\n[Get Started](https:\/\/www.aflac.com\/individuals\/startquote.aspx)\n\n## Which life insurance policy type is best for me?\nThe right type of life insurance policy for you depends on important factors such as how much you are looking to spend on premium payments, how much coverage would you like to secure for your family, and the access to cash benefits. For instance, if you're starting a family and only need coverage until your children become adults, you may consider a term life policy.\n\n## How to get a life insurance policy\nTake these steps to get the right type of life insurance policy for your needs:\n\n1. **Apply and take the medical exam:** Once you have found a policy that meets your needs, you can fill out an application and take a medical exam. Typically, this is to ensure that the insurance company understands any pre-existing conditions or risks associated with your lifestyle.\n2. **Receive coverage:** After completing all the necessary paperwork, you can get the type of life insurance policy you need. The policy will include a death benefit amount, premiums, and other features depending on your individual requirements.\n3. **Adjust your life insurance policy as needed:** Once the life insurance policy is in place, it's important to review it periodically to ensure that it meets your needs and remains up to date with any changes in your lifestyle or health. For instance, if you're starting a family, you may want to increase the death benefit amount.\n## Aflac offers various types of life insurance\nAt Aflac, we offer various [life insurance policies](https:\/\/www.aflac.com\/individuals\/products\/life-insurance.aspx) that are flexible to help meet your needs, including whole and term life insurance policies for individuals. Our individual plans can be purchased directly through Aflac and are portable, so you can take them with you if you move or change jobs. Start chatting with an agent and get a quote today to find out which type of coverage if best for your loved ones.\n\n[Get Started](https:\/\/www.aflac.com\/individuals\/startquote.aspx)\n\n### Learn more about Aflac products for Individuals & Families:\n[Accident Insurance](https:\/\/www.aflac.com\/individuals\/products\/accident-insurance.aspx) [Cancer Insurance](https:\/\/www.aflac.com\/individuals\/products\/cancer-insurance.aspx) [Life Insurance](https:\/\/www.aflac.com\/individuals\/products\/life-insurance.aspx) [Critical Illness Insurance](https:\/\/www.aflac.com\/individuals\/products\/critical-illness-insurance.aspx) [Final Expense Insurance](https:\/\/www.aflac.com\/individuals\/products\/final-expense-whole-life-insurance.aspx)\n\n### Related Articles\n[![Term Life Insurance](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/life-insurance-hero-a-landing.jpg) Term Life Insurance Looking into getting a term life insurance policy? Find out what term life insurance is and its features, rates, and benefits. Read 5 min read](https:\/\/www.aflac.com\/resources\/life-insurance\/term-life-insurance.aspx)\n\n[![Whole Life Insurance](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/life-insurance-hero-b-landing.jpg) Whole Life Insurance Looking into getting a whole life insurance plan? Find out how whole life insurance works and the benefits, costs, pros, and cons. Read 4.5 min read](https:\/\/www.aflac.com\/resources\/life-insurance\/whole-life-insurance.aspx)\n\n[![Term Life Insurance](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/life-insurance-hero-a-landing.jpg) Term Life Insurance Looking into getting a term life insurance policy? Find out what term life insurance is and its features, rates, and benefits. Read 5 min read](https:\/\/www.aflac.com\/resources\/life-insurance\/term-life-insurance.aspx)\n\n[![Whole Life Insurance](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/life-insurance-hero-b-landing.jpg) Whole Life Insurance Looking into getting a whole life insurance plan? Find out how whole life insurance works and the benefits, costs, pros, and cons. Read 4.5 min read](https:\/\/www.aflac.com\/resources\/life-insurance\/whole-life-insurance.aspx)\n\n#### Additional Categories\n- [![ambulance icon](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/articles-landing-pages\/icon_accident.png) Accident Insurance](https:\/\/www.aflac.com\/resources\/accident-insurance\/default.aspx)\n- [![cancer ribbon icon](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/articles-landing-pages\/icon_cancer.png) Cancer Insurance](https:\/\/www.aflac.com\/resources\/cancer-insurance\/default.aspx)\n- [![heart with EKG line icon](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/articles-landing-pages\/icon_criticalillness.png) Critical Illness Insurance](https:\/\/www.aflac.com\/resources\/critical-illness-insurance\/default.aspx)\n- [![tooth icon](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/articles-landing-pages\/icon_dental.png) Dental Insurance](https:\/\/www.aflac.com\/resources\/dental-insurance\/default.aspx)\n- [![person with heart icon](https:\/\/www.aflac.com\/_global-assets\/images\/resources\/articles\/articles-landing-pages\/icon_life.png) Life Insurance](https:\/\/www.aflac.com\/resources\/life-insurance\/default.aspx)\n\n[Disclaimer](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n1 Investopedia - Life Insurance: What It Is, How It Works, and How To Buy a Policy. Updated December 15, 2025. <https:\/\/www.investopedia.com\/terms\/l\/lifeinsurance.asp>. Accessed January 9, 2026.\n\nContent within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.\n\n**Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.**\n\nAflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series\/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series\/Term: In Arkansas, Idaho & Oklahoma, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia.\n\n**Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).**\n\nIn AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York.\n\nCoverage\/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits\/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.\n\nReceipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.\n\nAflac does not offer Universal or Variable Universal life insurance.\n\nGroup Life Insurance plans: **CAI9100R series:** In Arkansas, Policy CAI9100, in Idaho, in Oregon, Policy CAI9100R, in Oklahoma, Policy CAI9100OK, in Pennsylvania, Policy CAI9100PA. In Texas, Policy CAI9100TX, in Virginia, Policy CA9100RVA. **92000 series:** In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policy ICC20 CDL1100. In New York, Policy AF92100NY. **93000 series:** In Arkansas, Idaho, Oklahoma, and Oregon Policy ICC22 C93100. **WL-9800-MP series:** In Arkansas, Policy WL9800-MP AR, in Idaho, Policy WL9800-MP ID, in Oklahoma, Policy WL9800-MP OK, in Pennsylvania, Policy WL9800-MP (PA), in Texas, Policy WL9800-MP, in Virginia, Policy WL9800-MP(VA).\n\nAflac WWHQ \\| Tier One \\| 1932 Wynnton Road \\| Columbus, GA 31999\n\nAflac New York \\| 22 Corporate Woods Boulevard, Suite 2 \\| Albany, NY 12211\n\nContinental American Insurance Company \\| Columbia, SC\n\nZ2400140R2\n\nEXP 2\/27\n\n[Share Page](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n[Close](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n[Facebook](https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n[Twitter](https:\/\/twitter.com\/home?status=Aflac%20Supplemental%20Insurance%0AAflac%20provides%20supplemental%20insurance%20for%20individuals%20and%20groups%20to%20help%20pay%20benefits%20major%20medical%20doesn't%20cover.%0Ahttps:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx%0A%40Aflac)\n\n[Google+](https:\/\/plus.google.com\/share?url=https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\n- [About Aflac](https:\/\/www.aflac.com\/about-aflac\/default.aspx)\n- [Careers](https:\/\/careers.aflac.com\/)\n- [Investors](https:\/\/investors.aflac.com\/home\/default.aspx)\n- [Find a Provider](https:\/\/www.aflac.com\/about-aflac\/providers\/default.aspx)\n- [Newsroom](https:\/\/newsroom.aflac.com\/)\n- [Contact Us](https:\/\/www.aflac.com\/contact-aflac\/default.aspx)\n\n- [Accessibility Statement](https:\/\/www.aflac.com\/contact-aflac\/aflac-accessibility-statement-and-contact.aspx)\n- [Your California Privacy Choices](https:\/\/www.aflac.com\/privacy-center\/your-california-privacy-choices.aspx)\n- [Cookie Settings](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n- [Privacy Center](https:\/\/www.aflac.com\/privacy-center\/privacy-policy.aspx)\n- [Exercise Your Rights](https:\/\/www.aflac.com\/privacy-center\/exercise-your-rights.aspx)\n- [Terms of Use](https:\/\/www.aflac.com\/about-aflac\/terms-of-use.aspx)\n- [Dental & Vision State Notices](https:\/\/www.aflac.com\/aflac-dental-and-vision\/aflac-network-access-plans\/default.aspx)\n- [Report Fraud, Waste and Abuse](https:\/\/secure.ethicspoint.com\/domain\/media\/en\/gui\/54973\/index.html)\n\n- [![Visit Aflac on Facebook](https:\/\/www.aflac.com\/_global-assets\/images\/footer\/footer-facebook.png)](https:\/\/www.facebook.com\/aflac \"Visit Aflac on Facebook\")\n- [![Visit Aflac on Twitter](https:\/\/www.aflac.com\/_global-assets\/images\/footer\/footer-twitter.png)](https:\/\/twitter.com\/aflac \"Visit Aflac on Twitter\")\n- [![Visit Aflac on Instagram](https:\/\/www.aflac.com\/_global-assets\/images\/footer\/footer-instagram.png)](http:\/\/instagram.com\/aflac \"Visit Aflac on Instagram\")\n- [![Visit Aflac on YouTube](https:\/\/www.aflac.com\/_global-assets\/images\/footer\/footer-youtube.png)](https:\/\/www.youtube.com\/user\/aflac \"Visit Aflac on YouTube\")\n\n© 2026 AFLAC INCORPORATED\n\n[VIEW LEGAL](https:\/\/www.aflac.com\/resources\/life-insurance\/types-of-life-insurance.aspx)\n\nExcept in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)  \n  \n For Dental and Vision plans, administrative services are provided by Aflac Benefit Solutions, Inc. and SKYGEN USA, LLC.  \n  \n Aflac Worldwide Headquarters \\| Columbus, GA  \n  \n Continental American Insurance Company (Aflac Group) \\| Columbia, SC  \n  \n American Family Life Assurance Company of New York \\| Albany, NY  \n  \n Aflac Group Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.  \n  \n Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)\n\n© 2026 000","attrs_readable_markdown":"1 Investopedia - Life Insurance: What It Is, How It Works, and How To Buy a Policy. Updated December 15, 2025. <https:\/\/www.investopedia.com\/terms\/l\/lifeinsurance.asp>. Accessed January 9, 2026.\n\nContent within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.\n\n**Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.**\n\nAflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series\/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series\/Term: In Arkansas, Idaho & Oklahoma, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia.\n\n**Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).**\n\nIn AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York.\n\nCoverage\/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits\/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.\n\nReceipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.\n\nAflac does not offer Universal or Variable Universal life insurance.\n\nGroup Life Insurance plans: **CAI9100R series:** In Arkansas, Policy CAI9100, in Idaho, in Oregon, Policy CAI9100R, in Oklahoma, Policy CAI9100OK, in Pennsylvania, Policy CAI9100PA. In Texas, Policy CAI9100TX, in Virginia, Policy CA9100RVA. **92000 series:** In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policy ICC20 CDL1100. In New York, Policy AF92100NY. **93000 series:** In Arkansas, Idaho, Oklahoma, and Oregon Policy ICC22 C93100. **WL-9800-MP series:** In Arkansas, Policy WL9800-MP AR, in Idaho, Policy WL9800-MP ID, in Oklahoma, Policy WL9800-MP OK, in Pennsylvania, Policy WL9800-MP (PA), in Texas, Policy WL9800-MP, in Virginia, Policy WL9800-MP(VA).\n\nAflac WWHQ \\| Tier One \\| 1932 Wynnton Road \\| Columbus, GA 31999\n\nAflac New York \\| 22 Corporate Woods Boulevard, Suite 2 \\| Albany, NY 12211\n\nContinental American Insurance Company \\| Columbia, SC\n\nZ2400140R2\n\nEXP 2\/27","meta_canonical":null}

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Boilerpipe Text	1 Investopedia - Life Insurance: What It Is, How It Works, and How To Buy a Policy. Updated December 15, 2025. https://www.investopedia.com/terms/l/lifeinsurance.asp . Accessed January 9, 2026. Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent. Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York. Aflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Arkansas, Idaho & Oklahoma, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia. Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908). In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York. Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available. Aflac does not offer Universal or Variable Universal life insurance. Group Life Insurance plans: CAI9100R series: In Arkansas, Policy CAI9100, in Idaho, in Oregon, Policy CAI9100R, in Oklahoma, Policy CAI9100OK, in Pennsylvania, Policy CAI9100PA. In Texas, Policy CAI9100TX, in Virginia, Policy CA9100RVA. 92000 series: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policy ICC20 CDL1100. In New York, Policy AF92100NY. 93000 series: In Arkansas, Idaho, Oklahoma, and Oregon Policy ICC22 C93100. WL-9800-MP series: In Arkansas, Policy WL9800-MP AR, in Idaho, Policy WL9800-MP ID, in Oklahoma, Policy WL9800-MP OK, in Pennsylvania, Policy WL9800-MP (PA), in Texas, Policy WL9800-MP, in Virginia, Policy WL9800-MP(VA). Aflac WWHQ \| Tier One \| 1932 Wynnton Road \| Columbus, GA 31999 Aflac New York \| 22 Corporate Woods Boulevard, Suite 2 \| Albany, NY 12211 Continental American Insurance Company \| Columbia, SC Z2400140R2 EXP 2/27
Markdown	Request a quote dialog. Please choose an option. Please choose "Individual" or "Business." [![Close modal icon](https://www.aflac.com/_Global-Assets/dagger/home/img/icon_close.svg)](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) ## I would like to... ![](https://www.aflac.com/_Global-Assets/dagger/home/img/icon_individual.png) ### Speak to an Agent [Get a Quote](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) ![](https://www.aflac.com/_Global-Assets/dagger/home/img/icon_business.png) ### Quote & Apply Online Business owner? [Get more info about Aflac for business owners..](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) [Skip to main content](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) - [hide]() ### Notifications from Aflac We care about Aflac’s policyholders affected by the recent weather: To help provide relief for California policyholders residing in Imperial County affected by the August Monsoon Storm, Aflac will provide a premium grace period starting Aug. 24, 2025, and ending April 27, 2026. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. For Network Dental and Vision Members: This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance. * We care about Aflac’s policyholders affected by the recent wildfires: To help provide relief for Oregon policyholders residing in Oregon who were affected by the wildfires, Aflac will provide a premium grace period starting Sept. 3, 2025, and ending Nov. 26, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder. For Network Dental and Vision Members: This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance. * [Dismiss all notifications closes this dialog](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) - [hide](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) ![](https://www.aflac.com/_global-assets/images/rcc/sprites/info-icon.svg)New messages from Aflac \\| [View Notifications opens a dialog](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx#nd-message "View Notifications") [Close X dismisses the notification alert](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx "Hide Notifications") [Individuals & Families](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) - High Contrast Mode - [Español](https://www.aflac.com/es/default.aspx) - [Find an Agent](https://www.aflac.com/agent-locator/default.aspx) - [Log In / Register]() - 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[Final Expense Insurance](https://www.aflac.com/individuals/products/final-expense-whole-life-insurance.aspx) - [Life Insurance](https://www.aflac.com/individuals/products/life-insurance.aspx) - [Pet Insurance](https://www.aflac.com/individuals/products/pet-insurance.aspx) - [Supplemental Dental Insurance](https://www.aflac.com/individuals/products/supplemental-dental-insurance.aspx) Employer Offered Products - [Hospital Insurance](https://www.aflac.com/individuals/products/hospital-insurance.aspx) - [Short-Term Disability Insurance](https://www.aflac.com/individuals/products/short-term-disability-insurance.aspx) - [Supplemental Vision Insurance](https://www.aflac.com/individuals/products/supplemental-vision-insurance.aspx) [Resources]() Article Topics - [Cancer Insurance Advice](https://www.aflac.com/resources/cancer-insurance/default.aspx) - [Dental Insurance Advice](https://www.aflac.com/resources/dental-insurance/default.aspx) - [Hospital Insurance Advice](https://www.aflac.com/resources/hospital-insurance/default.aspx) - [Life Insurance Advice](https://www.aflac.com/resources/life-insurance/default.aspx) - [Health Insurance Advice](https://www.aflac.com/resources/health-insurance/default.aspx) Customer Resources - [Getting Started Guide](https://www.aflac.com/individuals/myaflac/getting-started-guide.aspx) - [Aflac Always](https://www.aflac.com/aflac-always/default.aspx) - [How to Access Your Account](https://www.aflac.com/individuals/myaflac/default.aspx) - [Filing Wellness Benefit Claims](https://www.aflac.com/individuals/myaflac/filing-wellness-benefits.aspx) - [Life Event Changes](https://www.aflac.com/life-events/default.aspx) Find a Provider - [Find a Provider](https://www.aflac.com/about-aflac/providers/default.aspx) Tools - [Life Insurance Calculator](https://www.aflac.com/individuals/life-insurance-calculator/default.aspx) Individuals & Families Get a Quote [Resources](https://www.aflac.com/resources/default.aspx) [Life Insurance Advice](https://www.aflac.com/resources/life-insurance/default.aspx) Types of Life Insurance Policies # Types of Life Insurance Explained Navigating through all the different types of life insurance can seem daunting. At Aflac, we want to help simplify your search and guide you toward finding the life insurance policy that best fits your lifestyle. Let’s dive deeper into how life insurance works, the [types of policies](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) available, and how you can choose life insurance that’s best for you and your loved ones. 5 Min Read Table of Contents - [How does life insurance work?](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx#how-does-life-insurance-work-) - [Why life insurance is important](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx#why-life-insurance-is-important) - [Types of life insurance](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx#types-of-life-insurance) - [Which life insurance policy type is best for me?](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx#which-life-insurance-policy-type-is-best-for-me-) - [How to get a life insurance policy](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx#how-to-get-a-life-insurance-policy) - [Aflac offers various types of life insurance](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx#aflac-offers-various-types-of-life-insurance) ### Key Takeaways - Life insurance can provide a death benefit to loved ones in the event of your passing. - There are several types of life insurance policies, each offering different levels of coverage, durations, and costs to fit various needs. - Aflac offers various types of life insurance policies with comprehensive coverage, including term, whole, and final expense insurance for individuals. ## How does life insurance work? Life insurance is a policy that provides a death benefit payout to beneficiaries if you pass away while it’s active. While there are various life insurance options, these plans tend to function similarly. Whether you have life insurance that lasts your entire life or just 20 years, you must pay regular premiums in order to receive your benefits. Depending on the type of life insurance policy, there may be other features available. For instance, permanent life insurance policies offer a cash value component that grows over time and that can be used to help cover medical expenses or everyday costs of living.1 ## Why life insurance is important A life insurance policy can help protect your loved ones financially in the event you unexpectedly pass away. If you die while the plan is still active, your beneficiaries may file a claim and collect a death benefit payout. The death benefit can help alleviate financial stress and allow loved ones to grieve properly. It’s usually flexible, meaning the funds can be used for funeral costs, debt, everyday bills, college, and virtually any other expenses. ## Types of life insurance Each life insurance plan is distinct, so it’s crucial to understand the different life insurance policies so you can find the best option for you and your family. Here are some common types of life insurance: ### Whole life insurance Whole life insurance is a permanent coverage type that lasts your entire life. The benefit will be paid to your beneficiary whenever you pass. This may be a more expensive option upfront, but the benefits can be more secure in the long run. Aflac offers [whole life insurance](https://www.aflac.com/resources/life-insurance/whole-life-insurance.aspx) for individuals that can help provide support for your loved ones. This type of policy may be a wise move if you are hoping to factor in long-term financial planning. ### Term life insurance [Term life insurance](https://www.aflac.com/resources/life-insurance/term-life-insurance.aspx) is a temporary type of policy that provides coverage for a set term or specific amount of time. At Aflac, we offer multiple term lengths in 10, 20, and 30-year increments. This plan may be a more competitive route. However, the policyholder must pass during the designated time frame of the plan for the beneficiary to receive benefits. ### Final expense insurance Final expense insurance is a type of permanent life policy that offers a smaller death benefit payout. Beneficiaries can use this payout to cover a funeral, burial costs, medical bills, and other end-of-life expenses after you pass away. Aflac offers [final expense insurance](https://www.aflac.com/individuals/products/final-expense-whole-life-insurance.aspx) with fixed and reasonable premiums. ### Group life insurance As a business owner, it’s important to make sure your employees feel safe and seen. [Group life insurance](https://www.aflac.com/business/products/life-insurance.aspx) is a great type of policy if you are looking to provide benefits for your employees or members of an organization. Aflac gives you the opportunity to offer your hard workers term or whole group life insurance options. ![Aflac duck with wings out](https://www.aflac.com/_global-assets/images/mockup-images-do-not-use-for-final/duck-wings-out-right.png) ### Peace of mind doesn't have to break the bank Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac. [Get Started](https://www.aflac.com/individuals/startquote.aspx) ## Which life insurance policy type is best for me? The right type of life insurance policy for you depends on important factors such as how much you are looking to spend on premium payments, how much coverage would you like to secure for your family, and the access to cash benefits. For instance, if you're starting a family and only need coverage until your children become adults, you may consider a term life policy. ## How to get a life insurance policy Take these steps to get the right type of life insurance policy for your needs: 1. Apply and take the medical exam: Once you have found a policy that meets your needs, you can fill out an application and take a medical exam. Typically, this is to ensure that the insurance company understands any pre-existing conditions or risks associated with your lifestyle. 2. Receive coverage: After completing all the necessary paperwork, you can get the type of life insurance policy you need. The policy will include a death benefit amount, premiums, and other features depending on your individual requirements. 3. Adjust your life insurance policy as needed: Once the life insurance policy is in place, it's important to review it periodically to ensure that it meets your needs and remains up to date with any changes in your lifestyle or health. For instance, if you're starting a family, you may want to increase the death benefit amount. ## Aflac offers various types of life insurance At Aflac, we offer various [life insurance policies](https://www.aflac.com/individuals/products/life-insurance.aspx) that are flexible to help meet your needs, including whole and term life insurance policies for individuals. Our individual plans can be purchased directly through Aflac and are portable, so you can take them with you if you move or change jobs. Start chatting with an agent and get a quote today to find out which type of coverage if best for your loved ones. [Get Started](https://www.aflac.com/individuals/startquote.aspx) ### Learn more about Aflac products for Individuals & Families: [Accident Insurance](https://www.aflac.com/individuals/products/accident-insurance.aspx) [Cancer Insurance](https://www.aflac.com/individuals/products/cancer-insurance.aspx) [Life Insurance](https://www.aflac.com/individuals/products/life-insurance.aspx) [Critical Illness Insurance](https://www.aflac.com/individuals/products/critical-illness-insurance.aspx) [Final Expense Insurance](https://www.aflac.com/individuals/products/final-expense-whole-life-insurance.aspx) ### Related Articles [![Term Life Insurance](https://www.aflac.com/_global-assets/images/resources/articles/life-insurance-hero-a-landing.jpg) Term Life Insurance Looking into getting a term life insurance policy? Find out what term life insurance is and its features, rates, and benefits. Read 5 min read](https://www.aflac.com/resources/life-insurance/term-life-insurance.aspx) [![Whole Life Insurance](https://www.aflac.com/_global-assets/images/resources/articles/life-insurance-hero-b-landing.jpg) Whole Life Insurance Looking into getting a whole life insurance plan? Find out how whole life insurance works and the benefits, costs, pros, and cons. Read 4.5 min read](https://www.aflac.com/resources/life-insurance/whole-life-insurance.aspx) [![Term Life Insurance](https://www.aflac.com/_global-assets/images/resources/articles/life-insurance-hero-a-landing.jpg) Term Life Insurance Looking into getting a term life insurance policy? Find out what term life insurance is and its features, rates, and benefits. Read 5 min read](https://www.aflac.com/resources/life-insurance/term-life-insurance.aspx) [![Whole Life Insurance](https://www.aflac.com/_global-assets/images/resources/articles/life-insurance-hero-b-landing.jpg) Whole Life Insurance Looking into getting a whole life insurance plan? Find out how whole life insurance works and the benefits, costs, pros, and cons. Read 4.5 min read](https://www.aflac.com/resources/life-insurance/whole-life-insurance.aspx) #### Additional Categories - [![ambulance icon](https://www.aflac.com/_global-assets/images/resources/articles/articles-landing-pages/icon_accident.png) Accident Insurance](https://www.aflac.com/resources/accident-insurance/default.aspx) - [![cancer ribbon icon](https://www.aflac.com/_global-assets/images/resources/articles/articles-landing-pages/icon_cancer.png) Cancer Insurance](https://www.aflac.com/resources/cancer-insurance/default.aspx) - [![heart with EKG line icon](https://www.aflac.com/_global-assets/images/resources/articles/articles-landing-pages/icon_criticalillness.png) Critical Illness Insurance](https://www.aflac.com/resources/critical-illness-insurance/default.aspx) - [![tooth icon](https://www.aflac.com/_global-assets/images/resources/articles/articles-landing-pages/icon_dental.png) Dental Insurance](https://www.aflac.com/resources/dental-insurance/default.aspx) - [![person with heart icon](https://www.aflac.com/_global-assets/images/resources/articles/articles-landing-pages/icon_life.png) Life Insurance](https://www.aflac.com/resources/life-insurance/default.aspx) [Disclaimer](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) 1 Investopedia - Life Insurance: What It Is, How It Works, and How To Buy a Policy. Updated December 15, 2025. <https://www.investopedia.com/terms/l/lifeinsurance.asp>. Accessed January 9, 2026. Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent. Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York. Aflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Arkansas, Idaho & Oklahoma, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia. Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908). In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York. Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available. Aflac does not offer Universal or Variable Universal life insurance. Group Life Insurance plans: CAI9100R series: In Arkansas, Policy CAI9100, in Idaho, in Oregon, Policy CAI9100R, in Oklahoma, Policy CAI9100OK, in Pennsylvania, Policy CAI9100PA. In Texas, Policy CAI9100TX, in Virginia, Policy CA9100RVA. 92000 series: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policy ICC20 CDL1100. In New York, Policy AF92100NY. 93000 series: In Arkansas, Idaho, Oklahoma, and Oregon Policy ICC22 C93100. WL-9800-MP series: In Arkansas, Policy WL9800-MP AR, in Idaho, Policy WL9800-MP ID, in Oklahoma, Policy WL9800-MP OK, in Pennsylvania, Policy WL9800-MP (PA), in Texas, Policy WL9800-MP, in Virginia, Policy WL9800-MP(VA). Aflac WWHQ \\| Tier One \\| 1932 Wynnton Road \\| Columbus, GA 31999 Aflac New York \\| 22 Corporate Woods Boulevard, Suite 2 \\| Albany, NY 12211 Continental American Insurance Company \\| Columbia, SC Z2400140R2 EXP 2/27 [Share Page](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) [Close](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) [Facebook](https://www.facebook.com/sharer/sharer.php?u=https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) [Twitter](https://twitter.com/home?status=Aflac%20Supplemental%20Insurance%0AAflac%20provides%20supplemental%20insurance%20for%20individuals%20and%20groups%20to%20help%20pay%20benefits%20major%20medical%20doesn't%20cover.%0Ahttps://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx%0A%40Aflac) [Google+](https://plus.google.com/share?url=https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) - [About Aflac](https://www.aflac.com/about-aflac/default.aspx) - [Careers](https://careers.aflac.com/) - [Investors](https://investors.aflac.com/home/default.aspx) - [Find a Provider](https://www.aflac.com/about-aflac/providers/default.aspx) - [Newsroom](https://newsroom.aflac.com/) - [Contact Us](https://www.aflac.com/contact-aflac/default.aspx) - [Accessibility Statement](https://www.aflac.com/contact-aflac/aflac-accessibility-statement-and-contact.aspx) - [Your California Privacy Choices](https://www.aflac.com/privacy-center/your-california-privacy-choices.aspx) - [Cookie Settings](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) - [Privacy Center](https://www.aflac.com/privacy-center/privacy-policy.aspx) - [Exercise Your Rights](https://www.aflac.com/privacy-center/exercise-your-rights.aspx) - [Terms of Use](https://www.aflac.com/about-aflac/terms-of-use.aspx) - [Dental & Vision State Notices](https://www.aflac.com/aflac-dental-and-vision/aflac-network-access-plans/default.aspx) - [Report Fraud, Waste and Abuse](https://secure.ethicspoint.com/domain/media/en/gui/54973/index.html) - [![Visit Aflac on Facebook](https://www.aflac.com/_global-assets/images/footer/footer-facebook.png)](https://www.facebook.com/aflac "Visit Aflac on Facebook") - [![Visit Aflac on Twitter](https://www.aflac.com/_global-assets/images/footer/footer-twitter.png)](https://twitter.com/aflac "Visit Aflac on Twitter") - [![Visit Aflac on Instagram](https://www.aflac.com/_global-assets/images/footer/footer-instagram.png)](http://instagram.com/aflac "Visit Aflac on Instagram") - [![Visit Aflac on YouTube](https://www.aflac.com/_global-assets/images/footer/footer-youtube.png)](https://www.youtube.com/user/aflac "Visit Aflac on YouTube") © 2026 AFLAC INCORPORATED [VIEW LEGAL](https://www.aflac.com/resources/life-insurance/types-of-life-insurance.aspx) Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730) For Dental and Vision plans, administrative services are provided by Aflac Benefit Solutions, Inc. and SKYGEN USA, LLC. Aflac Worldwide Headquarters \\| Columbus, GA Continental American Insurance Company (Aflac Group) \\| Columbia, SC American Family Life Assurance Company of New York \\| Albany, NY Aflac Group Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law. Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908) © 2026 000
Readable Markdown	1 Investopedia - Life Insurance: What It Is, How It Works, and How To Buy a Policy. Updated December 15, 2025. <https://www.investopedia.com/terms/l/lifeinsurance.asp>. Accessed January 9, 2026. Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent. Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York. Aflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. B60000 series: In Arkansas, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Arkansas, Idaho & Oklahoma, Policy ICC18Q60200M. In Delaware, Policy Q60200M. Not available in Virginia. Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908). In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Aflac Final Expense policies are not available in New York. Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available. Aflac does not offer Universal or Variable Universal life insurance. Group Life Insurance plans: CAI9100R series: In Arkansas, Policy CAI9100, in Idaho, in Oregon, Policy CAI9100R, in Oklahoma, Policy CAI9100OK, in Pennsylvania, Policy CAI9100PA. In Texas, Policy CAI9100TX, in Virginia, Policy CA9100RVA. 92000 series: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policy ICC20 CDL1100. In New York, Policy AF92100NY. 93000 series: In Arkansas, Idaho, Oklahoma, and Oregon Policy ICC22 C93100. WL-9800-MP series: In Arkansas, Policy WL9800-MP AR, in Idaho, Policy WL9800-MP ID, in Oklahoma, Policy WL9800-MP OK, in Pennsylvania, Policy WL9800-MP (PA), in Texas, Policy WL9800-MP, in Virginia, Policy WL9800-MP(VA). Aflac WWHQ \\| Tier One \\| 1932 Wynnton Road \\| Columbus, GA 31999 Aflac New York \\| 22 Corporate Woods Boulevard, Suite 2 \\| Albany, NY 12211 Continental American Insurance Company \\| Columbia, SC Z2400140R2 EXP 2/27
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