E&O Insurance for Agents and Brokers of Aflac

E&O Insurance for Aflac agents

Apply Now
  • About This Coverage
  • Program Eligibility
  • Pricing Information
  • Program Features
  • Payment Options
  • Underwriter
  • Disclosures
  • Program Administrator
  • This Errors and Omissions insurance program is designed exclusively for Aflac Agents licensed more than three years and covers the sale and servicing of life & health products.
  • This E&O Policy renews on January 1st. All certificates of insurance issued under this policy will renew January 1st. Premiums are prorated based on chosen effective date of coverage.
  • Not eligible for this program? Search other E&O programs.
Coverage Limits
  • $1 Million per claim / $2 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate
  • $2 Million per claim / $2 Million annual aggregate
  • $3 Million per claim / $3 Million annual aggregate
  • You must be actively contracted with Aflac at the time of your effective date under this policy in order to be eligible for coverage
  • You must be actively contracted with Aflac at the time you submit a claim under this policy in order to be eligible for coverage.
  • The approval process typically takes 3 to 5 business days for appointed agents. Approval may take longer for agents who are pending sponsor appointment.

$1 Million per claim / $2 Million annual aggregate

Life, accident and health, LTC, disability income activities, Medicare Advantage & Medicare Supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations.

Effective Date Pay In Full or Down Payment w/Monthly Payment
01/01/24
$
268.00
$
110.75
$
19.75
02/01/24
$
249.25
$
106.75
$
19.75
03/01/24
$
230.50
$
102.75
$
19.75
04/01/24
Apply today for
$
211.75
$
98.75
$
19.75
05/01/24
$
193.00
$
94.75
$
19.75
06/01/24
$
174.25
$
90.75
$
19.75
07/01/24
$
155.50
$
86.75
$
19.75
08/01/24
$
136.75
$
82.75
$
19.75
09/01/24
$
118.00
$
78.75
$
19.75
10/01/24
$
99.25
$
74.75
$
19.75
11/01/24
$
81.83
$
71.42
$
20.42
12/01/24
$
62.42
$
62.42
$
0.00
   View more limit, coverage and pricing options Premiums are prorated to allow for mid-policy enrollment.
  • This policy renews on January 1st of each year.
  • Pricing includes $43.00 administrative fee and $48.00 prorated NAPA dues. Down payments are processed immediately. Monthly payments include a $5.00 processing fee and are deducted in advance on the first of each month.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.
  • Defense costs reduce the limit of liability and are subject to the deductible. Punitive damages are covered by the policy, unless uninsurable under applicable law. Punitive damages are covered up to a sublimit - refer to the policy form for the definition of damages and defense costs, and for the applicable sublimits.
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • Coverage includes life, accident and health, disability income activities, Medicare supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations
  • Guarantee Issue – Group preferred rates for agents licensed more than 3 years
  • Prior acts coverage back to the first date of continuous coverage
  • Provides coverage of a claim arising from insolvency of an A- or better rated carrier.
  • No Master Policy Aggregate. Sublimits of coverage and/or policy aggregates may apply to specific endorsements within the Master Policy. Please read your policy carefully.
  • This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
Deductibles and Retentions
  • $0 deductible on Aflac product-related claims
  • $500 deductible for Non Aflac claims. Applies to both damages and defense costs.
  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.
  • Your coverage is secured by Zurich® Financial, an outstanding insurance company rated "A+" (Superior) XV by A.M. Best.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

This E&O Insurance program is administered by NAPA. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.

Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.

E&O Insurance for Aflac newly licensed agents

Apply Now
  • About This Coverage
  • Program Eligibility
  • Pricing Information
  • Program Features
  • Payment Options
  • Underwriter
  • Disclosures
  • Program Administrator
  • This Errors and Omissions insurance program is designed exclusively for Aflac Agents (associates) licensed less than three years and covers the sale and servicing of life & health products.
  • This E&O Policy renews on January 1st. All certificates of insurance issued under this policy will renew January 1st. Premiums are prorated based on chosen effective date of coverage.
  • Not eligible for this program? Search other E&O programs.
Coverage Limits
  • $1 Million per claim / $2 Million annual aggregate
  • You must be actively contracted with Aflac at the time of your effective date under this policy in order to be eligible for coverage
  • You must be actively contracted with Aflac at the time you submit a claim under this policy in order to be eligible for coverage.
  • The approval process typically takes 3 to 5 business days for appointed agents. Approval may take longer for agents who are pending sponsor appointment.

$1 Million per claim / $2 Million annual aggregate

Life, accident and health, LTC, disability income activities, Medicare Advantage & Medicare Supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations.

Effective Date Pay In Full or Down Payment w/Monthly Payment
01/01/24
$
221.00
$
94.92
$
16.92
02/01/24
$
205.08
$
90.92
$
16.92
03/01/24
$
189.17
$
86.92
$
16.92
04/01/24
Apply today for
$
173.25
$
82.92
$
16.92
05/01/24
$
157.33
$
78.92
$
16.92
06/01/24
$
141.42
$
74.92
$
16.92
07/01/24
$
125.50
$
70.92
$
16.92
08/01/24
$
109.58
$
66.92
$
16.92
09/01/24
$
93.67
$
62.92
$
16.92
10/01/24
$
77.75
$
58.92
$
16.92
11/01/24
$
61.83
$
54.92
$
16.92
12/01/24
$
45.92
$
45.92
$
0.00
   View more limit, coverage and pricing options Premiums are prorated to allow for mid-policy enrollment.
  • This policy renews on January 1st of each year.
  • Pricing includes $30.00 administrative fee and $48.00 prorated NAPA dues. Down payments are processed immediately. Monthly payments include a $5.00 processing fee and are deducted in advance on the first of each month.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.
  • Defense costs reduce the limit of liability and are subject to the deductible. Punitive damages are covered by the policy, unless uninsurable under applicable law. Punitive damages are covered up to a sublimit - refer to the policy form for the definition of damages and defense costs, and for the applicable sublimits.
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • Coverage includes life, accident and health, disability income activities, Medicare supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations
  • Group preferred rates for agents licensed less than 3 years
  • Prior acts coverage back to the first date of continuous coverage
  • Provides coverage of a claim arising from insolvency of an A- or better rated carrier.
  • No Master Policy Aggregate. Sublimits of coverage and/or policy aggregates may apply to specific endorsements within the Master Policy. Please read your policy carefully.
  • This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
Deductibles and Retentions
  • $0 deductible on Aflac product-related claims
  • $500 deductible for Non Aflac claims. Applies to both damages and defense costs.
  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.
  • Your coverage is secured by Zurich® Financial, an outstanding insurance company rated "A+" (Superior) XV by A.M. Best.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

This E&O Insurance program is administered by NAPA. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.

Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.

E&O Insurance for Aflac brokers

Apply Now
  • About This Coverage
  • Program Eligibility
  • Pricing Information
  • Program Features
  • Payment Options
  • Underwriter
  • Disclosures
  • Program Administrator
  • This Errors and Omissions insurance program is designed exclusively for Aflac Brokers and covers the sale and servicing of life & health products.
  • This E&O Policy renews on January 1st. All certificates of insurance issued under this policy will renew January 1st. Premiums are prorated based on chosen effective date of coverage.
  • Not eligible for this program? Search other E&O programs.
Coverage Limits
  • $1 Million per claim / $2 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate
  • $2 Million per claim / $2 Million annual aggregate
  • You must be actively contracted with Aflac at the time of your effective date under this policy in order to be eligible for coverage
  • You must be actively contracted with Aflac at the time you submit a claim under this policy in order to be eligible for coverage.
  • The approval process typically takes 3 to 5 business days for appointed agents. Approval may take longer for agents who are pending sponsor appointment.

$1 Million per claim / $2 Million annual aggregate

Life, accident and health, LTC, disability income activities, Medicare Advantage & Medicare Supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations.

Effective Date Pay In Full or Down Payment w/Monthly Payment
01/01/24
$
414.00
$
122.92
$
31.92
02/01/24
$
383.08
$
118.92
$
31.92
03/01/24
$
352.17
$
114.92
$
31.92
04/01/24
Apply today for
$
321.25
$
110.92
$
31.92
05/01/24
$
290.33
$
106.92
$
31.92
06/01/24
$
259.42
$
102.92
$
31.92
07/01/24
$
228.50
$
98.92
$
31.92
08/01/24
$
197.58
$
94.92
$
31.92
09/01/24
$
166.67
$
90.92
$
31.92
10/01/24
$
135.75
$
86.92
$
31.92
11/01/24
$
104.83
$
82.92
$
31.92
12/01/24
$
73.92
$
73.92
$
0.00
   View more limit, coverage and pricing options Premiums are prorated to allow for mid-policy enrollment.
  • This policy renews on January 1st of each year.
  • Pricing includes $43.00 administrative fee and $48.00 prorated NAPA dues. Down payments are processed immediately. Monthly payments include a $5.00 processing fee and are deducted in advance on the first of each month.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.
  • Defense costs reduce the limit of liability and are subject to the deductible. Punitive damages are covered by the policy, unless uninsurable under applicable law. Punitive damages are covered up to a sublimit - refer to the policy form for the definition of damages and defense costs, and for the applicable sublimits.
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • Coverage includes life, accident and health, disability income activities, Medicare supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations
  • Guarantee Issue – Group preferred rates for agents licensed more than 3 years
  • Prior acts coverage back to the first date of continuous coverage
  • Provides coverage of a claim arising from insolvency of an A- or better rated carrier.
  • No Master Policy Aggregate. Sublimits of coverage and/or policy aggregates may apply to specific endorsements within the Master Policy. Please read your policy carefully.
  • This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
Deductibles and Retentions
  • $0 deductible on Aflac product-related claims
  • $500 deductible for Non Aflac claims. Applies to both damages and defense costs.
  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.
  • Your coverage is secured by Zurich® Financial, an outstanding insurance company rated "A+" (Superior) XV by A.M. Best.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

This E&O Insurance program is administered by NAPA. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.

Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.

E&O Insurance for Aflac Employees

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Payment Options
  • Underwriter
  • Disclosures
  • Program Administrator
  • This Errors and Omissions insurance program is designed exclusively for insurance agents employed by Aflac that require individual E&O coverage.
  • This E&O Policy renews on January 1st. All certificates of insurance issued under this policy will renew January 1st. Premiums are prorated based on chosen effective date of coverage.
  • Not eligible for this program? Search other E&O programs.
Coverage Limits
  • $1 Million per claim / $2 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate
  • $2 Million per claim / $2 Million annual aggregate
  • $3 Million per claim / $3 Million annual aggregate

$1 Million per claim / $2 Million annual aggregate

Life, accident and health, LTC, disability income activities, Medicare Advantage & Medicare Supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations.

Effective Date Pay In Full or Down Payment w/Monthly Payment
01/01/24
$
268.00
$
110.75
$
19.75
02/01/24
$
249.25
$
106.75
$
19.75
03/01/24
$
230.50
$
102.75
$
19.75
04/01/24
Apply today for
$
211.75
$
98.75
$
19.75
05/01/24
$
193.00
$
94.75
$
19.75
06/01/24
$
174.25
$
90.75
$
19.75
07/01/24
$
155.50
$
86.75
$
19.75
08/01/24
$
136.75
$
82.75
$
19.75
09/01/24
$
118.00
$
78.75
$
19.75
10/01/24
$
99.25
$
74.75
$
19.75
11/01/24
$
81.83
$
71.42
$
20.42
12/01/24
$
62.42
$
62.42
$
0.00
   View more limit, coverage and pricing options Premiums are prorated to allow for mid-policy enrollment.
  • This policy renews on January 1st of each year.
  • Pricing includes $43.00 administrative fee and $48.00 prorated NAPA dues. Down payments are processed immediately. Monthly payments include a $5.00 processing fee and are deducted in advance on the first of each month.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.
  • Defense costs reduce the limit of liability and are subject to the deductible. Punitive damages are covered by the policy, unless uninsurable under applicable law. Punitive damages are covered up to a sublimit - refer to the policy form for the definition of damages and defense costs, and for the applicable sublimits.
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • Coverage includes life, accident and health, disability income activities, Medicare supplemental products, as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans or managed health care organizations
  • Guarantee Issue – Group preferred rates for agents licensed more than 3 years
  • Prior acts coverage back to the first date of continuous coverage
  • Provides coverage of a claim arising from insolvency of an A- or better rated carrier.
  • No Master Policy Aggregate. Sublimits of coverage and/or policy aggregates may apply to specific endorsements within the Master Policy. Please read your policy carefully.
  • This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
Deductibles and Retentions
  • $0 deductible on Aflac product-related claims
  • $500 deductible for Non Aflac claims. Applies to both damages and defense costs.
  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.
  • Your coverage is secured by Zurich® Financial, an outstanding insurance company rated "A+" (Superior) XV by A.M. Best.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

This E&O Insurance program is administered by NAPA. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.

Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.

Frequently Asked Questions
Frequently Asked Questions