The stress of a medical event is bad enough, but unexpected out-of-pocket expenses associated with a serious illness or accident can be overwhelming. And coping with everyday living expenses like a mortgage, car payments or other household costs makes things that much worse, especially if a patient or caregiver misses work. That's where we come in. Aflac's insurance policies including accident insurance and life insurance provide cash benefits directly to policyholders, unless otherwise assigned, so they can spend more time on recovery and less time worrying about paying bills.