You may love it till you try to cancel it. I guess the guy who signed up my business signed us up for Aflac Always. Of course, we had never heard those words till I tried to cancel policy years later. You can't. Every time you call you get a different answer on how to cancel, from sending in Letterhead with cancellation to "just disregard the letters and it will lapse". I have noticed more and more businesses going this "what cha gonna do?" route. Because basically, we have no recourse if help is not given.