Estate planning at Aflac
How to protect 14 Aflac accounts — manage beneficiaries online, fund a trust online, and file claims through Aflac's Policy Service Department
Aflac Customer Solutions Center
Phone1-800-992-3522
Mailing Address
Aflac Consumer Response & Resolution Department, PO Box 5388, Columbus, GA 31906-0388
Aflac New York
Aflac Dental & Vision
Davis Vision
Aflac Group
Aflac Tier One
Fraud Reporting
WebsiteLearn more→
Policy Service Department
Phone1-800-992-3522
Fax1-800-448-8922
Mailing Address
Aflac, Attn: Policy Service Department, 1932 Wynnton Road, Columbus, GA 31999-7000
Aflac New York Policy Services Fax
Claims Department
Phone1-800-992-3522
Fax1-877-442-3522
Mailing Address
Aflac, 1932 Wynnton Road, Columbus, GA 31999
Aflac New York Claims
Aflac New York Claims Fax
Aflac Group Claims Fax
WebsiteNotify online→
Verified May 2026
With 14 products relevant to estate planning, Aflac policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Aflac are what determine who receives the death benefit.
Aflac lets account holders update beneficiary designations online, by mail, and by phone, typically taking 10-15 minutes online; 15-20 minutes by mail. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
There are two sides to estate planning at Aflac: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust online, and review 14 account types at Aflac.
View details →When someone dies
Death claim process
Contact Aflac's Policy Service Department to file a claim. 5-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Aflac's Policy Service Department at 1-800-992-3522.
Frequently asked questions
Log in to your MyAflac account at mylogin.aflac.com, click on Policy Summary/Forms/History for the policy you want to update, and select Change Beneficiary Online. You can add primary and contingent beneficiaries with percentage allocations. You can also download the Request for Beneficiary Change form and submit it by mail to Aflac, Attn: Policy Service Department, 1932 Wynnton Road, Columbus, GA 31999-7000, or by fax to 800-448-8922. New York policyholders should use the NY-specific beneficiary change form available on aflac.com or call 800-366-3436.
Supplemental insurance policies (accident, cancer, critical illness, hospital, dental, disability) pay cash benefits directly to the policyholder and cannot be retitled to a trust. However, life insurance policies (whole life, term life, and final expense) can name a trust as beneficiary. To designate a trust as beneficiary on a life insurance policy, log in to MyAflac and select Change Beneficiary Online, or download the Request for Beneficiary Change form. Provide the full legal trust name, date established, and trust EIN.
Sources
Data sourced from Aflac primary sources (25 pages reviewed). How we research.
Aflac Customer Solutions Center
Phone1-800-992-3522
Mailing Address
Aflac Consumer Response & Resolution Department, PO Box 5388, Columbus, GA 31906-0388
Aflac New York
Aflac Dental & Vision
Davis Vision
Aflac Group
Aflac Tier One
Fraud Reporting
WebsiteLearn more→
Policy Service Department
Phone1-800-992-3522
Fax1-800-448-8922
Mailing Address
Aflac, Attn: Policy Service Department, 1932 Wynnton Road, Columbus, GA 31999-7000
Aflac New York Policy Services Fax
Claims Department
Phone1-800-992-3522
Fax1-877-442-3522
Mailing Address
Aflac, 1932 Wynnton Road, Columbus, GA 31999
Aflac New York Claims
Aflac New York Claims Fax
Aflac Group Claims Fax
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Aflac accounts and other assets with trusts, beneficiary designations, and estate planning documents.
