AFLAC is different from health insurance; it is insurance for daily living! When you are insured by AFLAC and you become sick or injured; you will receive cash benefits paid directly to you, to help you and your family with expenses that you might not be able to pay otherwise. The benefits are predetermined and paid regardless of any other insurance you might already have. AFLAC belongs to you, not your employer. When you buy an AFLAC policy- it's yours. You own it. Even if you change jobs or retire, you can take your AFLAC policy with you. If you are an employer who owns a business in the Colorado area, and would like to offer your employees AFLAC - please contact me at 503-8058359. I would be very happy to answer any questions you might have regarding the process.