There will be a lot of valuable information for you today, and the materials will continue to be accessible afterward. We are recording the webinar, and it will be posted in our webinar archive if you would like to watch it later. We understand this is a busy time of year, so please view it at your convenience.

If you are joining us live, you can open the chat box on the bottom right. A blue button should appear there. Feel free to submit questions during the presentation, and we will make sure they are addressed before we wrap up today. I will now turn it over to Samantha. Thank you for joining us.

Thank you so much, Christie. Hello and good morning, everyone. Happy Monday. As Christie mentioned, we are going to review the Aflac products available for you to offer your customers alongside your primary products.

As we go through the content today, we will remain off camera to help keep the focus on the material. Since there is a lot to cover, please remember that the links Christie mentioned contain more detailed information. Each link is usually eight to twelve minutes long, so they are quick to review and can be paused as needed. Today, we will focus on the high-level overview and key features of the four products we will be discussing. Please feel free to use the Q&A or chat for any questions, and I will be happy to address them at the end.

We will begin with our dental product, which includes dental, vision, and hearing. I like to start here because this is not a supplemental or ancillary plan. It is a network-based plan. When people are looking for dental insurance, they typically want coverage that includes two yearly cleanings at no cost and help with expenses such as fillings or extractions. That is exactly what this dental plan provides.

Before reviewing the specific plan options, the dental plan can be sold to anyone ages 18 to 99 and is guaranteed renewable for life. This applies to all Aflac plans. As long as the premiums are paid, the policy can remain active.

There are three plan options: Basic, Core, and Elite. Pricing starts at about $20 per month for the Basic plan. Waiting periods do apply. Preventive services, such as two cleanings and one set of X-rays per year, have no waiting period. Basic services have a six-month waiting period, and major services have a nine- to twelve-month waiting period, depending on the plan selected.

The dental plan is available in most states. It is a network plan but is also a passive PPO, which means members may visit any dentist, in-network or out-of-network, without reducing their coverage levels. While out-of-network services may result in higher out-of-pocket costs due to the lack of negotiated rates, the percentage the plan pays remains unchanged. In-network visits are recommended when possible.

Coverage options include individual, individual with spouse, single-parent family, and two-parent family. Any dentist who participates in NovaNet, DentiMax, Zelis, or Maverest networks is automatically considered in-network for the Aflac dental plan.

The Basic plan, which starts around $20 per month, provides preventive services at 100 percent with no waiting period. Basic services are covered at 50 percent after a six-month waiting period. Major services are not covered under the Basic plan. The annual deductible starts at $75, decreasing to $50 in the second year and $25 in the third year, where it remains moving forward. Annual maximums increase over the first three years from $750 per person to $1,250 per person.

The Core plan provides the same preventive coverage and a six-month waiting period for basic services, which start at 50 percent coverage and increase to 60 percent in the second year. Major services, such as crowns and dentures, are covered at 50 percent after a twelve-month waiting period. Implants and orthodontics are not covered. Deductibles and annual maximum structures are the same as the Basic plan, although the Core plan starts at a higher annual maximum.

The Elite plan includes preventive care at 100 percent with no waiting period. Basic services are covered at 60 percent after a six-month waiting period, increasing to 70 percent in the second year and 80 percent starting in the third year. Major services have a reduced waiting period of nine months, with 30 percent coverage during the remainder of the first year, 50 percent coverage in the second year, and 70 percent coverage starting in year three. The deductible and annual maximum structure are consistent with the other plans, but annual maximums start at an even higher level.

Major services include crowns, oral surgery, and dentures but do not include dental implants or orthodontics.

Vision and hearing benefits can be added only to the Core or Elite dental plans. They cannot be added to the Basic plan. Vision and hearing are bundled and cannot be purchased separately. Vision benefits are administered through EyeMed, and hearing benefits through NationsHearing.

For Core plan holders, vision benefits include one annual eye exam with a $10 copay and $150 to use every 24 months toward corrective lenses. Aflac keeps this simple by providing one combined allowance rather than itemizing by frames or contacts. Hearing benefits include one annual hearing exam with no waiting period and a $500 yearly allowance for new hearing aids or repairs.

For Elite plan holders, the corrective lenses allowance increases to $250 every 24 months. The waiting period for the $500 hearing aid allowance is reduced to nine months.

To recap, orthodontics and implants are not covered under any Aflac dental plan. Claims are handled directly between the dentist and the carrier; members receive ID cards with all the information the provider needs to submit claims. Members must have at least one natural tooth to qualify for coverage.

All benefits reset on a policy-year basis, not a calendar-year basis. For example, if a policy becomes effective November 1, benefits reset the following November 1.

Vision and hearing benefits cannot be removed later without canceling the entire dental policy, which would reset all waiting periods. They also cannot be added later without creating a new policy, which would also reset waiting periods.

Aflac does not waive waiting periods based on prior coverage with another carrier. These plans are not designed to allow waiting period credit transfers.

Finally, we recommend scheduling dental appointments at least 10 to 14 days after the selected effective date to allow time for application processing and ID card delivery.

Having the ID card available makes the process much easier for the dentist and typically leads to a smoother claims experience. We understand that it may not always be possible to have the card in hand before an appointment, and that is perfectly fine. Coverage begins on the policy’s effective date regardless. However, whenever possible, we do recommend having the card available at the first visit.

With that overview of the dental plans, we will now move into the ancillary products, which include the accident, cancer, and critical illness plans. Before getting into the specifics of each product, I want to provide a brief overview of how Aflac works, because understanding this high-level process is extremely important. Once you understand how Aflac policies function, the different product types become much easier to navigate, and the claims process becomes very straightforward.

Aflac offers three ancillary products: accident, cancer, and critical illness. Each plan is sold independently, and clients may choose to purchase any combination of the three. I typically start with the accident policy because it is the most universal. Accidents can happen to anyone, there are no medical underwriting questions, and the plan is beneficial for individuals across a wide range of health or risk profiles.

The accident plan covers virtually any type of accidental injury, such as car accidents—whether the insured was the driver, passenger, or pedestrian—slip and fall injuries, burns, or fractures. Accidents related to seasonal activities are also covered, such as injuries from fireworks or falls while hanging holiday decorations. Injuries from workplace accidents are included as well, which makes this plan particularly valuable for individuals in highly physical jobs such as electricians, plumbers, construction workers, firefighters, and police officers.

If someone who owns an accident policy is injured, they first seek treatment exactly as they normally would. They present their primary insurance, Medicare, or workers’ compensation information to the provider. Aflac is not involved at this stage. After treatment has been received and the individual has reached a recovery phase—or at least has a clear plan for next steps—they can then submit a claim to Aflac online.

The claims process is simple and user-friendly. The policyholder logs into their online account, selects the option to submit a claim, and answers a few brief questions such as the date of the accident, a description of what happened, and where they received treatment. They can upload supporting documents such as discharge papers if they have them. Aflac then verifies the treatment through medical records or databases, using the authorization the policyholder provides when submitting the claim. Aflac does not evaluate medical costs, outstanding bills, or what primary insurance covered. We simply verify the treatment that occurred and the type of injury. Once verified, Aflac pays the set dollar amount listed in the policy for each covered treatment.

The payment is made directly to the policyholder via direct deposit. They may use the money however they choose. Even if their primary insurance or workers’ compensation covered all medical bills, they still receive the full Aflac benefit amount. They may use it for medical costs, rent, mortgage payments, utilities, or anything else they need.

This same claims process applies to all Aflac plans. For example, if a policyholder is diagnosed with cancer, their major medical insurance will pay the provider for treatment, and Aflac will pay the policyholder directly based on the benefits outlined in their cancer plan. The same applies for critical illness claims such as heart attack or stroke.

Returning to the accident plan specifics, it is available to anyone ages 18 to 75. After purchase, it can be kept for life as long as premiums are paid. Premiums are not age-banded, meaning a 20-year-old pays the same amount as a 70-year-old. State-based price variations are minimal. Children can be covered under the plan through age 26.

There are two plan options: Standard, which starts around $25 per month, and Elite, which starts around $37 per month. Both plans cover the same treatments; the difference lies in the payout amounts. For example, a hospital stay due to an accident may pay approximately $350 per day under the Standard plan and $500 per day under the Elite plan. The higher-priced plan simply provides higher benefits but does not include any treatments that are excluded from the lower-priced plan.

The accident plan has no medical underwriting. The primary disqualifier is a DUI within the past five years. The application includes only three general questions: one related to existing Aflac accident coverage, one regarding replacement of primary insurance, and one regarding DUI history. No questions about medical history, medications, height, or weight are asked.

This makes the plan an excellent option for individuals with medical conditions that increase the risk of accidental injury, such as Parkinson’s disease or MS, or for those taking medications that may cause dizziness or vertigo. As people age, accidental falls become more common and often more severe, making the accident plan highly valuable for older adults as well.

The plan includes 24/7 coverage, including workplace accidents, even when workers’ compensation is involved. Aflac does not coordinate benefits or reduce payouts based on other insurance. We simply verify treatment and pay the policyholder the amounts listed in their policy.

There is no policy maximum and no minimum payout. This is not a lump-sum accident plan. Benefits are based solely on the type of injury and the treatment received. Premiums do not increase based on age, number of claims, or claim history.

Claims are typically processed within four to seven business days, and many are paid even sooner. The optional accidental death rider and additional benefit details are reviewed in the training links referenced earlier.

Moving to the cancer plan, this policy covers screening, diagnosis, treatment, and follow-up care related to cancer. While there are many accident and critical illness policies available on the market, Aflac’s cancer plan remains one of the most comprehensive. It was Aflac’s original flagship product, and the company continues to ensure it provides the strongest possible benefits.

The cancer plan is available to individuals ages 18 to 69, and once purchased, it can be kept for life as long as premiums are paid. Children are also covered under the cancer policy.

Children can be covered on the policy until age 26, and for the cancer plan specifically, children are included at no cost regardless of the number of children being covered. This is one of the features that sets the cancer plan apart from others on the market.

The cancer plan offers three levels: Standard, Plus, and Elite. As with the accident plan, all three levels cover the same services, with the difference being the payout amount. I often compare the plan levels to choosing a small, medium, or large meal at a restaurant. No matter the size, the core components are the same, but the quantities vary. The cancer plans function the same way; the benefits are the same across levels, but the payout amounts increase as you move up.

The cancer plan does have a 30-day waiting period beginning on the policy effective date. If someone enrolls with an effective date of October 15, for example, they should avoid diagnostic visits before November 15. After the waiting period, coverage is fully active.

Coverage options mirror the other Aflac plans. As noted, children are covered at no cost, and certain benefit amounts increase or double if the diagnosis is for a child. For example, the Elite plan includes a $5,000 initial diagnosis benefit for internal cancer. If the diagnosis is for a child, that amount doubles to $10,000. Hospitalization benefits for a child are also higher, and treatment received at major children’s hospitals—including facilities such as CHOA, CHOP, and St. Jude—is fully eligible for policy benefits.

The cancer plan has no maximum payout. In my 22 years with Aflac, it is common for cancer policies to pay well into six figures due to the extensive nature of treatment. Treatment outside the United States is not covered. However, treatment received at U.S. government hospitals—including VA hospitals—is covered in full. For example, if a retired veteran receives treatment at a VA facility with little or no out-of-pocket cost, Aflac would still pay all eligible benefits directly to the policyholder.

The initial diagnosis benefit applies only to internal cancer. Skin cancer is covered, but it is paid under separate provisions. For individuals who have previously had cancer, there are specific eligibility rules. These apply only to individuals with a prior cancer diagnosis. They must be cancer-treatment-free for at least ten years, must have had a cancer screening within the last twelve months, and must not have used any preventive hormonal therapy in the past twelve months. There is one exception, which applies only to Florida residents who previously had breast cancer. In that situation, they only need to be cancer-treatment-free for two years, but they must still meet the other two screening and hormonal therapy requirements.

Next, we move into the lump sum critical illness policy. This plan is available to individuals ages 18 to 69, and dependent children may be covered until age 26. Policyholders can choose a benefit amount of $10,000, $15,000, $20,000, or $25,000. The $10,000 option starts at around $10 per month, and rates increase based on the face amount and the applicant’s age band. Even for those in the highest age tiers, the $10,000 option generally remains under $20 per month.

Underwriting differs between the $10,000 level and the higher levels. The applications for $15,000, $20,000, and $25,000 are identical and include more restrictive underwriting questions. The $10,000 option asks fewer questions and is therefore more accessible. Conditions such as COPD, diabetes, or hypertension treated with medication will disqualify someone from the higher amounts but do not disqualify them from the $10,000 option. If you begin an application at a higher amount and the system determines the applicant is ineligible, you can simply restart the application at the $10,000 amount, and they may still qualify.

Cancer can be added as a covered condition under the critical illness policy. If added, it functions the same way as the other covered illnesses, except that the 30-day waiting period applies only to the cancer portion. The waiting period does not extend to heart attack, stroke, or the other covered conditions.

One important consideration is tobacco or nicotine use. For critical illness, applicants who use tobacco or nicotine can still apply but will be rated at a higher premium. The standalone cancer plan, however, does not ask about tobacco or nicotine at all. For that reason, if someone uses tobacco and wants cancer coverage, it is usually far more cost-effective to enroll in the standalone cancer plan rather than adding cancer to a critical illness policy.

Individuals may have both a standalone cancer plan and a critical illness plan that includes cancer if they want the combined protection. If they choose to do so, and are diagnosed with internal cancer, they would receive the full benefits under both plans. This can result in a significant payout, though premiums would also be higher.

The critical illness plan differs from the accident and cancer plans in how benefits are triggered. The accident and cancer plans pay based on treatments received, and policyholders can estimate benefits by reviewing the schedule. The critical illness plan, however, pays based solely on the diagnosis. The diagnosis must match one of the covered conditions listed, such as heart attack, cardiac arrest, or end-stage renal failure. If the diagnosis matches, Aflac pays the full face amount selected.

A key advantage of Aflac’s critical illness policy is that each covered person is eligible for the full face amount upon their first diagnosis, not a reduced percentage. Many other carriers—and even Aflac’s own employer-based version—reduce spouse and child payouts to 25% or 50%. With this plan, the full amount applies to each insured individual.

The plan also includes a built-in increasing benefit. For each year the policy is in force without a critical illness claim, the face amount increases by $500, up to a maximum of $5,000. For example, if someone holds the policy for three years before experiencing a covered illness, their payout would include an additional $1,500.

There is also a subsequent event benefit. After the first paid claim, any future covered diagnosis occurring at least six months later pays 50% of the original face amount. There is no limit to the number of subsequent benefits as long as each event meets the time requirement. For example, if a policyholder with a $10,000 plan has a heart attack and then eight months later has a stroke, they would receive $10,000 for the first event and $5,000 for the second. A year later, another covered event would again pay $5,000.

There is no waiting period for the critical illness plan unless cancer is included, in which case cancer alone is subject to the 30-day wait. There is a pre-existing condition clause that applies only to conditions diagnosed or treated in the year prior to the policy’s effective date. If a critical illness is caused by a pre-existing condition, the event must occur at least twelve months after the policy effective date to be eligible.

That covers the full suite of Aflac ancillary products. The training links provided earlier go into more detail on benefit schedules and specific payout amounts. I’m happy to answer any questions you may have about anything we discussed today.

Thank you again for joining us. I appreciate the opportunity to review these plans with you, and I hope you have a great rest of your day.