Aflac offers a variety of life insurance policies; term life insurance, whole life insurance, or a combination of both to provide the desired level of coverage. Aflac have been in business for over 50 years and has an AA rating in insurer financial strength by Standards and Poor's (April 2004). Aflec offer an Accelerated Death Benefit, which pays 50 percent of the policy amount in the primary insured is diagnosed with a terminal illness. Cash Benefits are usually paid within 4 days of receiving the claim.