Understand the role of a rider

A rider changes or adds specified benefits to an eligible base policy. Aflac lists the Aflac Plus Rider as an optional enhancement. It is not a standalone substitute for medical insurance.

Compare the exact terms

  • Is this rider available with the policy and state being quoted?
  • Which events or services are covered, and how are they defined?
  • What additional premium, exclusions or waiting periods apply?
  • Does the rider overlap with benefits you already have?

Request current materials

Ask HQINS for the current rider form and a combined premium illustration. Read the base policy and rider together. Availability and benefits depend on the applicable forms; no specific diagnosis or payment is promised by this overview.

Product and service references: Official Aflac source 1 ↗. Reviewed October 12, 2026. Confirm current policy documents with an advisor.