We have AFLAC at my state job. Many people do not understand it. It does not in anyway replace or act as Insurnace. I personally did not buy it. Everyone thought I way crazy. I took the very good health Insurance plan, dental plan and eye plan. Think of it this way, AFLAC is more like buying a road hazard plan just in case you break down. Your true protection is your auto Insurance however. Another way I look at it. Ever been offered and extended warranty on an appliance? I of course do not buy that either. You take your chances and for anything big, you have home owners insurance or renters insurance. There is a great book called Wealth Without risk. It is an older book, but full of info you might be interested in. There is also More wealth without risk too. He may have written more books after those I dont know. The author is Charles GIvens I believe.