Aflac is the country’s leading supplemental insurer, paying cash benefits directly to policyholders when a covered illness or injury leaves them with expenses that major medical doesn’t cover. Founded in Columbus, Georgia in 1955, Aflac covers tens of millions of Americans through workplace payroll deduction plans and individual policies. Their products — accident, cancer, critical illness, hospital indemnity, and short-term disability — are designed to fill the gap between what your health plan pays and what a serious health event actually costs. Aflac holds an A+ (Superior) rating from AM Best.