New Interactive Tools Help Consumers and Businesses Assess Protection Levels

 New Interactive Tools Help Consumers and Businesses Assess Protection Levels

In less than 10 minutes, users can identify gaps in their benefits coverage
and their level of financial preparedness, if the unexpected happens

PR Newswire

COLUMBUS, Ga., Nov. 28, 2012

COLUMBUS, Ga., Nov. 28, 2012 /PRNewswire/ --Aflac, the No. 1 provider of
supplemental and guaranteed-renewable insurance in the United States, has
introduced two interactive, online tools that help businesses assess their
current benefits programs and consumers to identify gaps in their insurance
coverage. The Aflac Wellbeing Assessment Tool allows consumers to determine
whether their existing insurance coverage provides adequate financial
protection for anticipated and unexpected expenses and the Aflac Benefits
Assessment Tool helps benefits decision-makers compare their benefits programs
with national best-in-class offerings.

"In the midst of rising costs and significant changes to our health care
system, benefits coverage and proper financial preparation are becoming
increasingly important to workers, and ultimately the companies that employ
them," said Michael Zuna, executive vice president and chief marketing and
sales officer at Aflac. "As a result, both benefits decision makers and
workers must take a much closer look at the benefits programs currently
offered to ensure they are meeting their needs. The new Aflac tools are
designed to help users easily assess the impact of the benefits coverage,
rising health care costs and other common issues in a unique and engaging way
-- giving them valuable information to make the best decisions."

Aflac Wellbeing Assessment Tool and Profiles

Consumers using the Aflac Wellbeing Assessment Tool will answer questions
about their health, employment, finances, well-being and family to receive a
customized report with ideas on how to better utilize available benefits and
optimize coverage. Information provided by each respondent yields one of five
financial and benefits personality risk profiles:

  oFinancially Vulnerable – a consumer who is currently exposed to financial
    hardships, which frequently can lead to difficulty paying for high
    out-of-pocket expenses in the event of an unexpected illness or accident.
  oFinancially Anxious – a consumer who has insurance that covers basic
    checkups and minor medical procedures but is at risk for financial
    hardship if faced with an unexpected medical event.
  oBenefits Gambler – a consumer who tends to look on the bright side of
    situations, leaving him or her in denial of the likelihood of a serious
    illness or injury and underprepared.
  oBare Coverage – a consumer who lacks major medical insurance coverage and
    is highly vulnerable to financial hardships and even bankruptcy.
  oActive Protector – a consumer who has built a strong foundation and
    financial safety net to protect against high costs associated with
    unexpected illnesses, injuries and other serious events.

Aflac Benefits Assessment Tool and Profiles

Benefits decision-makers and human resource managers can use the Aflac
Benefits Assessment Tool to better understand the implications of benefits
decisions on their workforce and what they can do to improve their
competitiveness in this area. Information they provide about their company's
size, benefits offerings and employees identifies them as one of four distinct
organizational profiles as follows:

  oBenefits Skeptic – a business that offers a less comprehensive benefits
    program and has employees who typically are unaware of, or not fully
    utilizing, available benefits offerings.
  oSimple Solutions – a business that provides only the most basic benefits,
    which may be leaving gaps in coverage and expectations from employees.
  oBenefits Believer – a business that leverages an innovative approach to
    designing benefits packages to meet the demands and preferences of a
    diverse mix of workers.
  oTalent Attractor – a business that offers a comprehensive benefits package
    and understands its employees' needs, which can help attract and retain

Both tools incorporate findings from the 2011 and 2012 Aflac WorkForces Report
(AWR), a proprietary research study of thousands of American workers and
benefits decision-makers that identifies trends, attitudes and the forces
affecting employee benefits. To view the 2012 AWR study results and
methodology, visit To join the conversation, follow
@aflac on Twitter.

About Aflac
When a policyholder gets sick or hurt, Aflac pays cash benefits fast. For more
than 55 years, Aflac insurance policies have helped provide a safety net and
give policyholders the opportunity to focus on recovery, not financial stress.
In the United States, Aflac is the number one provider of guaranteed-renewable
insurance. In Japan, Aflac is the number one life insurance company in terms
of individual policies in force. Aflac insurance products provide protection
to more than 50 million people worldwide. For six consecutive years, Aflac has
been recognized by Ethisphere magazine as one of the World's Most Ethical
Companies and by Forbes magazine as one of America's Best-Managed Companies in
the Insurance category. In 2012, FORTUNE magazine recognized Aflac as one of
the 100 Best Companies to Work For in America for the 14th consecutive year.
Also, FORTUNE magazine included Aflac on its list of Most Admired Companies
for the 11th time in 2012. Aflac Incorporated is a Fortune 500 company listed
on the New York Stock Exchange under the symbol AFL. To find out more about
Aflac, visit or

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Media Contacts:
Kip Havel        Cathleen Bleers
Aflac            Hill+Knowlton Strategies
706.243.5543     312.255.3123


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