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Cancellation Aflac: Simple Process
What is Aflac
Overview
Aflac is a supplemental insurer best known for cash-benefit policies that pay benefits for specified medical events, hospital stays, accidents and some income-loss scenarios.
Policies are sold as individual or group supplemental plans and are designed to reimburse out-of-pocket costs rather than replace primary medical cover.
How Aflac operates
Aflac plans are typically subscription-style with recurring premiums and defined benefit schedules for covered events.
Cancellation and claims administration follow the insurer's policy terms and applicable jurisdictional rules where the policy was sold.
How to cancel Aflac
Immediate steps to take
- Review your policy document for any specified notice period or cancellation procedure.
- Prepare a written cancellation request that includes your policy number, full name, contact details and effective cancellation date.
Submission options and best practices
- Send the written request by recorded mail to Aflac’s headquarters address: Aflac, 1932 Wynnton Road, Columbus, GA 31999.
- Keep proof of posting/delivery and any confirmation correspondence - do not rely solely on stopping debit orders.
What happens when you cancel
Access and cover after cancellation
Once cancellation is accepted, benefits stop on the effective termination date specified by the insurer or policy terms.
Claims submitted after the cancellation date are usually not payable unless the policy terms expressly allow otherwise.
Policy records and renewals
The insurer will update their records; request written confirmation of cancellation and any pro-rated refunds due.
If you stop payments without formal cancellation you may cause a lapse that affects future cover and claims history.
Will I get a refund?
Statutory cooling-off refunds
For qualifying long-term policies you may cancel within 31 days after receiving policy information under the Long-term Insurance Act.
Under that rule the insurer must refund premiums paid, less the cost of risk cover enjoyed or any market loss. See the Long-term Insurance Act guidance: Long-term Insurance Act - cooling-off.
Direct marketing and Consumer Protection Act
If you bought the policy via direct marketing you have a 5-business-day cooling-off right under the Consumer Protection Act.
Refunds under this right are allowed, typically minus reasonable costs for cover already enjoyed. More detail: CPA protections for insurance buyers.
Aflac plans and pricing
Pricing availability
No verified pricing for Aflac plans in South African rand (ZAR) was found in available sources for 2024/2025.
Market references for Aflac pricing are generally for the U.S. market and shown in USD.
Contact for specific quotes
Contact Aflac or a local broker for South Africa-specific pricing and plan options if you hold or are considering a policy tied to the South African market.
| Plan | Price | Notes |
|---|---|---|
| Individual supplemental plans | Contact for pricing | Prices vary by product, age and underwriting |
| Group/employer plans | Contact for pricing | Employer-negotiated rates; contact plan administrator |
Your consumer rights in South Africa
Cooling-off and refund rights
Consumers in South Africa have a 31-day cooling-off right for qualifying long-term policies under the Long-term Insurance Act.
Direct-marketing purchases receive a 5-business-day cooling-off right under the Consumer Protection Act for full cancellation and refund (subject to permitted deductions).
Notice and processing requirements
Cancellations generally require a written notice and some policies may require a one- or two-month notice period as per policy terms.
Failing to cancel formally (for example, only stopping debit orders) may result in a lapse rather than a formal cancellation. Practical guidance on cancellation notices: Considerations before cancelling a policy.
Customer experiences
Common negative feedback
Public reviews report delays in claims processing, denials without clear explanations, and slow communication in some cases.
Examples of customer complaints and reviews are available on consumer review sites and indicate recurring frustrations with support responsiveness: WalletHub reviews, BBB reviews.
Service and cancellation difficulties
Users frequently report lengthy phone times and difficulty cancelling online, with some reporting continued withdrawals after requests to cancel.
These patterns suggest you should keep detailed records and confirmations when you request cancellation. A summary review source: TradersUnion Aflac reviews.
Documentation checklist
Essential documents to prepare
- Policy number and a copy of your policy schedule.
- Photo ID (passport or ID document) and proof of address.
- Written cancellation request with your signature and desired effective date.
Proof and follow-up items
- Proof of posting/delivery (registered mail receipt or courier tracking).
- Copies of any email or telephone confirmations from the insurer.
- Bank statements showing premium deductions (keep for reconciliation).
Common mistakes
Stopping debit orders only
Stopping a debit order without formally cancelling the policy can cause a lapse rather than an official cancellation with refund consideration.
Always follow the insurer’s specified cancellation procedure and obtain written confirmation.
Not checking cooling-off rights
Failing to act within the statutory cooling-off period (31 days for certain long-term policies or 5 business days for direct marketing) can forfeit your right to a full refund.
Confirm which cooling-off rule applies to your purchase and include that deadline in your cancellation timeline.
Comparative recap
What to expect from Aflac versus statutory rights
The table below summarises key cancellation elements and how they relate to South African statutory protections.
| Feature | Aflac - practical expectations | South African statutory rights |
|---|---|---|
| Cooling-off period | Depends on product and sales channel; request confirmation in writing | 31 days for long-term policies; 5 business days for direct marketing (Long-term Act, CPA guidance) |
| Refunds | Possible pro rata refund; deductions may apply for cover enjoyed | Full refund allowed during cooling-off, with permitted deductions for cover enjoyed or market loss |
| Notice and proof | Written notice and proof of delivery strongly recommended | Written cancellation typically required; insurers may require notice periods per policy terms |
After cancelling
What to check and keep
Obtain written confirmation of cancellation and any calculation of refunds or outstanding balances from the insurer.
Keep all correspondence and proof of delivery for at least 12 months in case of disputes.
Where to get help and more information
For details on statutory cooling-off or dispute resolution consult the Long-term Insurance Act guidance: Long-term Insurance Act - cooling-off.
For consumer-rights context on direct marketing and refunds see the Citizen summary: CPA and insurance purchases.
Address
Aflac headquarters (postal)
Aflac
1932 Wynnton Road, Columbus, GA 31999
Notes about contacting Aflac from South Africa
If your policy was arranged through a broker or employer in South Africa, also contact that intermediary for local assistance and any required local addresses or PO Boxes.
If you need general guidance on cancelling insurance policies in South Africa, see practical advice: Cover: Consider before cancelling and an overview of cooling-off rules: Legalese: cooling-off rules.
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Written by Refilwe Mokoena
eIDAS legal expert · 5 years experience
Lawyer specialized in digital trust services and the eIDAS regulation, I have been helping individuals and businesses send legally binding certified mail for 5 years.