AFLAC Customer Service

Phone Number & Contact Info

AFLAC's Best Phone Number

Toll-free·Calls Customer Service·Most popular AFLAC number

How do I talk to a live human at AFLAC?

A:Press 0 then 2 then 1 then 0# each time it asks for an account number

Does AFLAC offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Saturday, and the most busy day is Monday.

How long will I wait on hold?

A:The average hold time is 12 minutes. The longest hold times are on Monday, and the shortest are on Tuesday. How is this calculated?

AFLAC Customer Phone Numbers

Claims Department

Toll-free · 24 hours, 7 days · When it asks "What best describes you?" press 0. · Policyholder, press 1. Medical or dental provider, press 2. Payroll account manager, press 3. Sales, press 4.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this AFLAC phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0 then 2 then 1 then 0# each time it asks for an account number
Here is how our research team describes the way the AFLAC phone system greets you: Policyholder, press 1. Medical or dental provider, press 2. Payroll account manager, press 3. Sales, press 4.
Below are some clips we've found from AFLAC's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Thanks for calling Aflac. If you're a policyholder, say I am a policyholder or press one. You can also say account manager or press two."
Excerpt from a call with AFLAC
Monday, February 5, 2024 2:06 PM

The first phone menu

"Thanks for calling Aflac.
Aflac. American living. If you're a policyholder, say I am a policyholder or press one.
You can also say, account manager or press two."
Excerpt from a call with AFLAC
Tuesday, May 14, 2024 6:41 PM

What are the hours and when should I call?

AFLAC operates the call center for this 800-992-3522 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 393 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this AFLAC phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like AFLAC staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call AFLAC is Saturday. The most busy day to call is Monday, which averages 557% more phone calls by comparison. Again, this is based on a sample of 393 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Monday.

The best time to call AFLAC

In summation, the best day to call AFLAC is Thursday.

Calling this AFLAC Customer Number

Jeff Whelpley is the editor / author responsible for this content.
Mar 18, 2024

I've been thinking a lot about supplemental insurance after a good friend of mine passed away. Watching his family struggle and worry about how they would make ends meet really has left me thinking about what would happen if I died or was seriously injured and had a lot of health bills. That led me to think about what type of insurance plans I could pick up in addition to what my workplace offers. Then I saw a commercial for AFLAC and that duck was stuck in my head until I finally decided to call and see what they could offer me. 

Admittedly, I don't know a lot about what AFLAC offers but I know that they specialize in programs to help people with unexpected medical issues or life insurance. From the phone lines, I know they offer a lot of things such as accident coverage and even plans that will help if you need critical care or are diagnosed with cancer. With this much coverage, it's reasonable to think they get a lot of phone traffic, but they still answered my call fairly quickly which is always a great sign a company actually cares about their customers. 

When I first called, an automated assistant answered and said, "Thanks for calling AFLAC. If you are a policyholder, say I am a policyholder or press 1. You can also say account holder or press 2. If you are a medical provider you can say provider, or press 3. Or if you are interested in AFLAC products say sales , or press 4." 

I pressed 3 since I was interested in sales, but first I had to listen to a disclaimer before I could talk about policies. The automated voice informed me, "Thanks for your interest in AFLAC. There are a few things I need to let you know first. If you are interested in disability, hospital, or vision coverage those are only available through payroll deduction with participating employees. However, there are other policies available directly to consumers for people between the ages of 18 to 75. Now I have a couple of prequalification questions available to you before I transfer your call to an agent.. Tell me if you are interested in purchasing a policy or selling products to others."

It then ran me through a list of questions that included, "Are you already working with an Aflac agent Have you ever had an Aflac policy in the back? Next, does your employer offer ALFAC policies? Last, tell me which of these policies you are most interested in? You can say, products for seniors, accidents, cancer, dental, life, or critical care." Once I finally made it through the list, it said, "Great an AFLAC agent will be happy to help you," and instantly transferred me to an agent. The agent was upbeat and answered my questions thoroughly so I was happy with the service by the time I hung up. 

Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

Why Customers Call AFLAC

If you have time to do a bit of reading before you call AFLAC, we recommend you read over some of our problem-specific articles.

What is the AFLAC wellness benefit?

The AFLAC wellness benefit is a unique feature offered by AFLAC that encourages policyholders to prioritize and maintain their overall health and well-being. This benefit provides financial support in the form of predetermined cash payments given to policyholders who partake in eligible routine wellness activities. These may include annual health exams, screenings, immunizations, and other preventive measures. By actively engaging in these proactive steps, policyholders can receive cash rewards for taking charge of their health. AFLAC recognizes the significance of preventive care and aims to encourage its policyholders to commit to their health and well-being, promoting a healthier lifestyle and potentially preventing more serious health issues in the future.

What is the waiting period for AFLAC benefits?

The waiting period for AFLAC benefits varies depending on the type of coverage. For accident and sickness plans, the waiting period typically ranges from 0 to 30 days, while for hospital confinement and intensive care plans, it can range from 0 to 90 days. The waiting period is the specified period during which a policyholder must wait before becoming eligible to receive benefits. AFLAC understands the importance of prompt assistance and strives to make the waiting period as minimal as possible, providing financial support when it is needed most. Policyholders should carefully review their plan documents or consult with an AFLAC representative to determine the exact waiting period for their specific coverage.

What is the AFLAC accident insurance plan?

The AFLAC accident insurance plan is a comprehensive coverage option designed to provide financial protection in the event of an accident. It offers several benefits such as cash benefits for covered accidents, expenses related to ambulance, hospitalization, diagnostic exams, and emergency treatments. The plan aims to help policyholders offset out-of-pocket costs not covered by major medical insurance. It provides a lump-sum cash benefit directly to the insured, allowing them to use the funds as they see fit, be it for medical bills, daily living expenses, or other needs that arise during recovery. AFLAC's accident insurance plan is a valuable safety net that ensures policyholders can focus on their recovery without the added stress of financial burdens caused by unforeseen accidents.

Top AFLAC customer service problems

Click the link above to get answers to just about any AFLAC customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to AFLAC, and their purpose. Are any of these similar to the reason you are trying to call?
Policy coverage verification: "I was calling to verify which policies I have with Aflac and what the coverages are."
- From a call lasting 11m 55s , Jun 6, 2024 8:00 PM
Stopping payments due to death: "I need to stop the payment, you know, he's got them coming out of our checking account, but with him gone, I'm not able to keep his."
- From a call lasting 7m 52s , May 29, 2024 3:03 PM
Continuing Aflac policy: "I need to find out how to keep continuing my Aflac policy, specifically for cancer and hospital benefits, through a bank account instead of paycheck deductions."
- From a call lasting 9m 9s , May 3, 2024 6:33 PM
Checking claim status: "I wanted to check on the status of a claim I submitted about a month ago."
- From a call lasting 13m 19s , Apr 25, 2024 3:32 PM
Billing inquiry: "I canceled my policy in January and I'm still getting deductions, need to figure out when I'll get that back."
- From a call lasting 9m 26s , Apr 2, 2024 9:01 PM

More AFLAC Customer Service Contacts

There are of course other ways to contact AFLAC customer service besides the phone. Below we list the best ones, by medium.

AFLAC Customer Service Live Chat

customerservice.aflac.com - Customer Service
Use this link to connect with customer service via chat
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, AFLAC provides this option.

AFLAC Customer Service on X (formerly Twitter)

@aflachelpdesk - Customer Service
Use the link to connect with customer service through Twitter
AFLAC, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

AFLAC Customer Help Desk / Web Support

aflac.com - Customer Service
Online customer service support
As a last, sometimes only, resort- AFLAC customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is AFLAC's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a AFLAC agent. This phone number is AFLAC's best phone number because 16,668 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-992-3522 include Get insurance, Make/Chase a claim, Coverage question, Overcharge/Strange charge, Renew coverage and other customer service issues. Rather than trying to call AFLAC first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or twitter or chat. In total, AFLAC has 2 phone numbers. It's not always clear what is the best way to talk to AFLAC representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for AFLAC. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like AFLAC. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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