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Aflac is an insurance provider that offers supplemental health and life insurance policies designed to help cover out-of-pocket medical expenses not paid by primary health plans. Operating in the insurance sector alongside companies such as MetLife, Prudential, and Colonial Life, the enterprise primarily markets its coverage directly to individuals and through employer-sponsored workplace benefits programs. Policyholders and businesses purchasing these plans can occasionally manage their financial obligations by utilizing employer-sponsored payroll deductions, group rate structures, or periodic promotional premium adjustments when available.