Which is better in your opinion Aflac or American Fidelity insurance?

Policyholders of either company will contend that their company is "best" if they are satisfied with the coverage provided, the premium charged, and the claim service received. Therefore, opinions will differ widely based upon personal experience.

Both companies frequently sell their policies as "worksite benefits". This means that they are not major medical plans, but instead, insurer specific niches. For example, they may provide $X daily hospital benefits paid directly to you while hospitalized, or may involve additional life insurance over and above that which theeamployer provides. This is in contrast to a major medical insurance policy that pays a percentage of covered medical expenses directly to the provider. It also means that these benefits are usually offered as stand-alone individual policies through your employer. If you elect to buy one, you are responsible for the full premium with no employer contribution.