Aflac Incorporated

Archie's take

Aflac is a strong fit for businesses looking to offer supplemental insurance benefits without adding to their own costs, making it especially attractive for small and mid-sized companies that want to compete with larger employers on benefits. Its standout feature is the breadth of voluntary, employee-paid coverage options—ranging from accident and disability to cancer and life insurance—delivered with minimal administrative burden for employers. However, Aflac's value is highly dependent on employee participation and understanding, and the product suite is best leveraged when HR teams actively communicate and educate staff about the offerings. For companies with limited HR resources or low benefits engagement, the impact may be muted, but for those seeking to boost retention and employee satisfaction without direct expense, Aflac is a practical, low-risk addition.