Aflac provides supplemental insurance policies that pay cash benefits directly to policyholders for expenses related to illness or injuries. Unlike major medical insurance, Aflac pays for costs of daily living rather than just medical costs. Benefits are predetermined and paid regardless of other insurance. Claims are also processed quickly within 4 days on average. Aflac policies are portable and premiums do not increase even when claims are filed. The company also promotes preventative care by paying benefits for routine health exams and screenings.