Paying your Aflac bill online, by phone, or by mail
Aflac offers three main ways to pay your supplemental insurance bill: through your online account, by phone with a representative, or by mailing a check. The method you choose depends on how quickly you need to pay and whether you want to set up automatic payments.
Most Aflac customers use the online portal because it's available 24/7 and shows your account balance and payment history immediately. If you prefer speaking to someone or need help with your account, you can call Aflac's customer service line. Mailing a payment works but takes longer to process, so plan ahead if your bill is due soon.
Key Takeaways
- You can pay Aflac bills online through your account portal, by calling customer service, or by mailing a check to the address on your bill.
- Setting up automatic payments through your bank account or debit card prevents missed payments and takes just a few minutes to arrange.
- If you pay by mail, send your payment at least 10 business days before the due date so it arrives on time.
- Late payments may result in a lapse in coverage, so contact Aflac immediately if you cannot pay by the due date.
- Your payment method and account details are stored securely, but you should never share your login information or policy number with anyone claiming to represent Aflac.
Paying online through your Aflac account
To pay online, log into your Aflac account at aflac.com using your username and password. Once logged in, look for the "Pay My Bill" or "Make a Payment" option, usually found on the dashboard or in a menu labeled "Billing" or "Account." You'll see your current balance, due date, and payment history.
When you make a payment, you can use a bank account (checking or savings), a debit card, or a credit card. Aflac does not charge a fee for bank account payments, but some credit card processors may add a small fee. The payment typically posts to your account within one business day, though it may take longer depending on your bank.
If you don't have an online account yet, you can create one at aflac.com by entering your policy number and personal information. You'll receive a confirmation email with instructions to set your password.
Setting up automatic payments to avoid missed bills
Automatic payments deduct your bill amount from your bank account or card on the due date each month, so you don't have to remember to pay. To set this up, log into your online account and look for "Autopay," "Automatic Payments," or "Recurring Payments." You'll enter your bank account or card details and confirm the payment amount and date.
You can change or cancel automatic payments anytime through your account. If you need to pause payments temporarily, contact Aflac customer service to discuss your options — stopping autopay without arranging an alternative payment method will result in a lapse in coverage.
Paying by phone with Aflac customer service
To pay by phone, call Aflac's customer service number listed on your bill or policy documents. A representative will verify your identity using your policy number and personal information, then process your payment over the phone. You can pay with a bank account, debit card, or credit card.
Phone payments are useful if you have questions about your bill, need to discuss a payment plan, or prefer not to pay online. The call typically takes 5 to 10 minutes. Keep your policy number and payment method information ready when you call.
Paying by mail
To pay by mail, write a check or money order payable to Aflac and include the payment stub from your bill. The stub shows your policy number and the amount due. Mail your payment to the address printed on your bill — this address may differ depending on your policy type, so always check your bill for the correct mailing address.
Mail payments take 7 to 14 business days to reach Aflac and be processed, so send your payment at least 10 business days before the due date. Do not send cash through the mail. If you lose your payment stub, you can still mail a check with a note including your policy number, but including the stub speeds up processing.
What happens if you miss a payment
If your payment is not received by the due date, Aflac will typically send you a notice about the late payment. Most policies have a grace period — usually 30 days — during which your coverage remains active even though the bill is overdue. During this grace period, you can still make a payment without losing coverage.
If you do not pay by the end of the grace period, your policy will lapse and coverage will end. Restarting a lapsed policy may require a new application and underwriting, which can take several weeks. If you cannot pay by the due date, contact Aflac immediately to discuss payment options or a possible extension.
Keeping your payment information secure
When you pay online or by phone, Aflac uses encryption to protect your financial information. Never share your login password, policy number, or payment details with anyone who calls or emails you claiming to represent Aflac. Aflac will never ask for sensitive information via email or unsolicited phone calls.
If you receive a suspicious email or call about your Aflac bill, hang up or do not click any links, then call Aflac directly using the number on your bill or policy documents. This protects you from fraud and ensures you're speaking with a real Aflac representative.
Frequently Asked Questions
Can I change my payment due date?
Some Aflac policies allow you to request a different due date. Log into your account or call customer service to ask whether your policy type permits this change. If allowed, the change usually takes effect on your next billing cycle.
What if my payment was processed twice by mistake?
Contact Aflac customer service immediately with the dates and amounts of both payments. They can review your account and process a refund for the duplicate payment, which typically takes 5 to 10 business days to appear in your account.
Do I need to pay my Aflac bill if I'm on leave from work?
Yes, your bill is still due even if you're not working. If you're on unpaid leave and cannot pay, contact Aflac to discuss options such as a temporary payment plan or whether your employer offers premium payment assistance during leave.
Can I pay multiple months at once?
Yes, you can pay future months in advance through your online account or by phone. This can help if you know you'll have cash flow issues in coming months, though it does not change your coverage or policy terms.
What if I don't receive my bill in the mail?
Log into your online account to view your current balance and due date, then pay through the portal. You can also call customer service to request a bill be sent to you or to confirm your mailing address is correct in their system.