How To Cancel Aflac Policy Online

Canceling an insurance policy can seem complex, especially when you want to ensure all procedures are correctly followed. If you’re looking to cancel your Aflac policy, the following guide covers all methods available, including the steps for online cancellation, the process for employer-provided policies, and answers to common questions about cancellation. Whether you’re canceling due to a change in coverage needs or simply want a different policy, this guide will make the process straightforward.

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Overview of Aflac Policy Cancellation Options

If you’re ready to cancel your Aflac policy, you’ll be pleased to know that there are several ways to proceed. You can cancel your policy online through the MyAflac portal, by phone, in person, by mail, or by fax. Each method has its pros and cons, and choosing the right one depends on your preference for convenience or direct assistance.

Different Cancellation Methods

Online via MyAflac portal
By phone with customer service
In-person through a local Aflac agent
Mail cancellation requests to Aflac’s main office
Fax cancellation forms to Aflac’s designated number

Why Choose Online Cancellation?

Using the MyAflac portal to cancel your policy is quick and efficient. It allows you to submit your cancellation request anytime and from anywhere without waiting on hold. Online cancellation also provides an option to track the status of your request in case follow-up is required.

To cancel your Aflac policy online, you will need to use Aflac’s online customer portal, MyAflac. Below are the steps to follow, from logging into your account to completing and submitting the necessary cancellation form.

Steps for Online Cancellation Through MyAflac

Log in to MyAflac: Go to MyAflac and enter your login credentials. You’ll need your username and password, which are associated with your policyholder account.
Navigate to Customer Service: Once logged in, locate the “Contact Customer Service” or “Policy Management” section within the portal.
Fill Out the Cancellation Form: Complete the cancellation form by providing your personal information, including your policy number. In the form, specify that you want to cancel your policy, and provide a reason if required.
Submit Your Request: After filling out the form, click “Submit” to send your cancellation request to Aflac. Keep a copy of the confirmation for your records, as this serves as proof that your request has been submitted.

Additional Online Support

If you encounter any issues while using MyAflac, Aflac customer service representatives are available to help. You can also use the chat feature on MyAflac for immediate assistance with technical issues or questions about your policy.

Canceling Aflac Policy by Phone

Another convenient way to cancel your Aflac policy is by calling customer service. Aflac’s customer service team is trained to help you manage your policy, including handling cancellations.

Phone Cancellation Steps

Call Aflac Customer Service: Dial 1-800-992-3522. Note that this line operates 24/7, though representatives are only available from 8 a.m. to 8 p.m. ET, Monday through Friday.
Prepare Required Information: Before calling, make sure you have your policy number and some form of ID verification ready. This will help speed up the cancellation process.
Request Cancellation: Once connected with a representative, request to cancel your policy. Be sure to ask for a confirmation email or letter that verifies your cancellation.

In-Person Aflac Policy Cancellation

For those who prefer a face-to-face approach, Aflac allows policyholders to visit local agents to cancel their policies in person. This method can be helpful if you have questions or need more personalized support.

Locating a Local Aflac Agent

Find an Agent Near You: Use the “Find an Agent” tool on the Aflac website to locate an agent in your area.
Bring Documentation: When visiting an agent, bring your policy information and a valid ID. Having these on hand will help the agent process your cancellation more efficiently.
Complete the Cancellation Process: The agent will guide you through the necessary paperwork and confirm the details with Aflac on your behalf.

Canceling Aflac Policy Through Mail or Fax

For those who prefer to handle their cancellation in writing, Aflac offers cancellation via mail and fax. Here are the specific steps for each method.

Mail-in Cancellation Steps

Prepare a Written Cancellation Request: Include your full name, policy number, and a clear statement requesting policy cancellation.
Send to Aflac’s Mailing Address: Mail the request to Aflac’s headquarters at:
- Aflac Policyholder Services
- 1932 Wynnton Road
- Columbus, GA 31999
Keep a Copy of Your Letter: For your records, retain a copy of the cancellation request. This can serve as proof of your intent to cancel if any issues arise.

Using Fax for Policy Cancellation

Write a Fax Cover Letter: Similar to the mail option, include your name, policy number, and a cancellation request.
Send to Aflac’s Fax Number: Fax your request to 1-800-448-8922.
Request a Confirmation: After sending the fax, call customer service to confirm that your cancellation has been received and processed.

Employer-Provided Aflac Policies

If your Aflac coverage was provided through an employer, there are additional steps to consider, especially if your premiums were deducted on a pre-tax basis. According to IRS Section 125, canceling a pre-tax policy outside of open enrollment requires meeting specific criteria, such as a life event change.

Understanding IRS Section 125 and Pre-Tax Policies

Pre-Tax Coverage: If your Aflac premiums are deducted pre-tax, you generally cannot cancel the policy mid-year. Instead, you’ll need to wait until open enrollment.
Qualifying Life Events: Certain life changes, like a change in marital status, qualify you for mid-year cancellation. In these cases, consult with your HR department for the necessary forms and requirements.

Steps to Cancel Employer-Provided Policies During Open Enrollment

Contact HR: During open enrollment, reach out to your HR department to initiate the cancellation.
Provide Signed Request Form: Complete any necessary paperwork, and make sure the form includes your policy number and a clear statement of cancellation.
Confirm Effective Date: Cancellations typically take effect at the beginning of the new calendar year if submitted during open enrollment.

What to Prepare for Aflac Policy Cancellation

Having the right information and documents on hand will make the cancellation process smoother, regardless of the method you choose.

Required Information

Policy Number: This is essential for identifying your account.
Personal Identification: Have some form of ID ready, such as a driver’s license or the details on your Aflac account.
Reason for Cancellation: While not always required, stating your reason may help Aflac improve its services.

Additional Documentation

Employer Forms for Pre-Tax Policies: If canceling an employer-provided policy, HR will often require specific forms to process the request.
Signed Cancellation Requests: In all cases, having a signed, written request ensures clarity and serves as a reference if questions arise.

Important Aflac Cancellation Policies to Note

There are a few critical policies to be aware of when canceling an Aflac policy, particularly concerning effective dates and refund eligibility.

Cancellation Effective Dates and Timing

Individual Policies: For personal policies, cancellation usually becomes effective at the end of the current month. This means coverage will continue until the month concludes.
Employer-Provided Policies: Pre-tax policies provided through an employer generally have effective dates tied to the beginning of the new calendar year.

Refund Policies and Cash Value for Life Insurance

Prorated Refunds: Aflac typically does not offer refunds on paid premiums for health policies. However, policies with a cash value, such as certain life insurance policies, may provide prorated refunds.

Common Questions About Cancelling an Aflac Policy

Can I Cancel My Policy Mid-Month?

For individual policies, Aflac will usually keep coverage in effect until the end of the month, regardless of when cancellation is requested. Employer policies, however, follow different rules, particularly if they are pre-tax.

Will I Receive a Confirmation?

Aflac typically sends a confirmation email or letter for all processed cancellations. If you do not receive confirmation within a week of submitting your request, contact customer service for a follow-up.

Does Aflac Offer Refunds on Paid Premiums?

Refunds on paid premiums are uncommon, though policies with cash value may offer prorated refunds. It’s recommended to ask about refund eligibility when canceling.

Alternative Insurance Options After Canceling Aflac

If you are canceling your Aflac policy and seeking alternative insurance, there are several reputable providers offering similar supplemental insurance policies.

Popular Supplemental Insurance Providers

Cigna – Offers accident, heart attack, stroke, and cancer insurance, along with whole life policies.
UnitedHealthcare – Provides a range of supplemental policies, including critical illness, hospitalization, and accident insurance.
Other Notable Providers – Look into companies like Humana and Liberty Mutual for additional options.

Selecting a New Policy That Meets Your Needs

When choosing a replacement, consider your unique coverage requirements, whether it’s health, vision, or accident insurance. Comparisonsupplemental policies across providers can help you avoid coverage gaps and manage costs based on your health needs and budget. Consider reading customer reviews and checking provider ratings before selecting a new policy to ensure it aligns with your expectations.

Key Takeaways

Aflac policyholders can cancel their policies online, by phone, in person, or via mail and fax.
Online cancellation through MyAflac is often the quickest and most efficient option.
Employer-provided policies may have restrictions under IRS Section 125, limiting mid-year cancellations to qualifying life events.
After canceling, explore other insurance providers for alternative supplemental coverage options if needed.

How to Cancel Aflac Policy Online – Full Step-by-Step Guide