Aflac is an American insurance company that provides supplemental insurance to help pay out-of-pocket expenses that major medical insurance doesnt cover. The company was founded in 1955 and is based in Columbus, Georgia. Aflac is the largest provider of supplemental insurance in the United States, and it underwrites a wide range of insurance policies. Aflacs supplemental insurance policies pay cash benefits when a policyholder has a covered accident or illness. Aflac offers a broad line of insurance products to more than 270,000 U.S. payroll groups and insures more than 40 million people worldwide, including Japan. Aflacs supplemental insurance policies include coverage for critical illnesses, accidents, dental and vision, life, and short-term disability. Aflacs policies are designed to help cover expenses that may not be covered by medical insurance, such as copays, coinsurance, and deductibles.