I have had Aflace since 2009 unfortunately I had to stat using it do to health problems my husband has, it has paid for pretty much everything it says it covers, then I had to be hospitalized and it paid for pretty much everything I had done. I highly recommend it to everyone, it does work but of course you do have to provide them with the documents they require.
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With anything always read the policy brochure and not just take thte agent at their word. I found with our Aflac agent she was great explaining all the pluses as to why to by each policy but no so much information on waiting periods and the fine print of the policy. I do like Aflac to a certain degree. With any company there can be a love hate relationship.