3110 Chino Ave, Ste 290   Chino Hills, CA 91709   Ph: (909) 606‐3905   Fx: (909) 393‐1732   www.afncorp.com 

AFLAC SUPPLEMENTAL POLICIES

American Financial Network, Inc. provides supplemental insurance policies through AFLAC to its employees and employees’ families. The employee is responsible for the full amount of the premium for themselves and their family. Loan Officers (commission employees): All policies offered are after-tax plans that will be taken out of the employees’ checking account, savings account, or credit card bi-monthly. Changes or cancellations to any of an employee’s policies may be made at any time, for any reason. Staff (salaried employees): All of the policies offered are pre-tax deductions that will be taken from the employees’ checks bi-monthly, with the exclusion of the disability and life insurance plans which are after-tax options. To enroll in an AFLAC program, please contact Doug Love to set up an appointment: Doug Love AFLAC Representative for AFN Phone: (909) 461-4157 Fax: (909) 235-4558 Email: douglas_love@us.aflac.com Thank you, Danielle Abril dabril@afncorp.com 3110 Chino Ave. Suite 290 Chino Hills, CA 91709 Phone: (909)287-7176 Fax: (909)287-7013

AFN is enabling you to protect yourself financially with the amazing benefits of Aflac.

Do you know quack?• Aflac is different than health insurance; It’s insurance for daily living!• Aflac pays cash benefits directly to YOU at the time you need it the

very most: when you or a family member are hurt or sick!• Aflac prices are affordable at all levels of income, and AFN is getting

you a DEEP DISCOUNT!• Aflac prices are fixed! Your price is the same for as long as you keep

the policy!• Aflac is portable – keep it regardless of where you or if you work.• Aflac is paid for through a payroll deduction, deducted PRE-TAX

(disability & life are after-tax) saving you tax dollars! The Duck

Policy ChoicesACCIDENT

POLICY

DISABILITY

POLICY

CANCER

POLICY

SICKNESS

POLICY

SPECIFIED

HEALTH EVENTPays cash benefitswhen you or a familymember are hurt in inan accident & treatedfor injuries. From thefreeway, kitchen,playground or sportsfield, Aflac is there!

Helps protect yourcash flow when theDoctor says you cannotwork due to an off-the-job injury or illness.Excellent maternityleave benefit!

Protects your familyagainst the potentialfinancial distress of amajor illness like cancer.Large initial payout, plusa variety of benefits fordifferent treatments.

Provides cash to assistwith out of pocketexpenses of Doctorsvisits, major diagnosticexams, surgeries andhospitalizations.

Provides cash when amajor event (such asheart attack, stroke,paralysis, third-degreeburns, etc.) occurs inyour family. Large initialpayout, dailyhospitalization benefit,surgery, & much more.

Most Aflac policies contain “Wellness Benefits” – Cash in your pocket just for taking care of yourself!Annual wellness benefit.(PRE-TAX)

(AFTER-TAX) Annual cancer screen-ing, mammography &pap-smear wellnessbenefits. (PRE-TAX)

Annual pap smear andmammography benefit.(PRE-TAX)

Annual mammographybenefit.(PRE-TAX)

DENTAL POLICY (PRE-TAX)Before your dentist sends your next appointment-reminder card, apply for a plan that may help pay for the visit! After all,you are going to the dentist for routine and preventive care, so why not have a dental plan that pays directly towards thoseperiodic checkups and cleanings – in a fast and painless way! If you going to the dentist regularly (or need an incentive tobegin), Aflac’s plan offers some of the finest in easy-to-understand, choice-based coverage. Orthodontic & Cosmetic ridersare available.

CHOOSE ANY DENTIST -- NO DEDUCTIBLE -- BENEFITS PAID REGARDLESS OF ANY OTHER INSURANCEVISION POLICY (PRE-TAX)Pays benefits for eye examinations, visioncorrection, glasses, contact lenses, LASIK, eye

diseases & surgeries plus more!CHOOSE ANY DOCTOR!

LIFE INSURANCE (AFTER-TAX)Specific quotes available. 10, 20 & 30 year term plus whole life.Spouse and child coverage! NO medical exams required!

PROTECT YOUR FAMILY’S FUTURE!

Douglas LoveYOUR Aflac representative

909.461.4157 douglas_love@us.aflac.com

“Money was a non-issue, because of my Aflac!”– Tia, Aflac policyholder & Breast Cancer Survivor

A82275 IC(6/10)

DENTAL INSURANCE DE2

Peace of Mind andReal Cash Benefits

Smile. We’ve got you under our wing.®Millions of people believe a smile is the most important physical attribute—more so than hair, eyes, or figure.1 The best way to maintain or improve your smile is to brush and floss your teeth daily, visit your dentist, and apply for an Aflac Dental insurance policy.

Aflac Dental provides benefits for periodic checkups and cleanings, X-rays, fillings, crowns, and much more. It’s your smile and your policy; Aflac Dental gives you control.

You choose your dentist. Because Aflac doesn’t use a network of dentists, you can go to any dentist you choose.You and your dentist choose the best treatment for you. Aflac Dental doesn’t have precertification requirements. If the treatment is covered by your policy, you don’t need Aflac’s permission to receive it.2

Aflac Dental is different from many other dental plans you may have seen.You know what you’re getting with Aflac Dental. The plan spells out the benefits for both wellness and other diagnostic/treatment services. There are no gray areas. Each covered procedure has a specific benefit amount.Aflac Dental doesn’t have an annual deductible. Other dental plans may require you to meet an annual deductible before benefits are payable.Aflac Dental pays benefits regardless of any other plan. Even if you have other dental coverage, you’ll receive your full Aflac benefit amount.

With Aflac Dental’s Annual Maximum Building Benefit, you can receive even more benefits. Aflac will increase each Covered Person’s Policy Year Maximum by $100 after each 12 consecutive months the policy is in force up to a maximum of $500 per Covered Person.

DE2DENTAL INSURANCEPolicy Series A82000 This brochure accompanies Schedule of Dental Procedures A82275SCH.

Aflac Dental pays benefits for seven categories of dental treatments and hundreds of procedures. The benefit amounts within each category vary based on the procedure received and are subject to a Policy Year Maximum. Benefit amounts and the Policy Year Maximum are per Covered Person.

BEN EF IT CATEGO R IES WA IT ING P E R IO D B EN EF I T A M O U NT S

Preventive (Wellness and X-Ray) None $35–$50

Fillings and Basic Services 3 Months $15–$275

Pain Management and Adjunctive Services 3 Months $35–$140

Other Preventive Services 6 Months $20–$120

Oral Surgery, Gum Treatments, and Prosthetic Repair 6 Months $30–$975

Crowns and Major Services 12 Months $20–$425

Major Prosthetic Services 24 Months $45–$650

POL ICY YEA R MAX IMU M $1,600

TH IS BR OCHURE IS FOR I LLUSTRAT IVE PURPOSES ONLY. PLEASE SEE YOU R POL ICY FO R COM PLE TE DE F I N IT IONS, D E TA I LS, L IM ITAT ION S, AND EXCLUS IO NS.

FOR MO RE IN FORMAT IO N AB OUT THE BENEF I TS AVA I LABLE , PLE ASE SE E TH E SCHEDUL E O F DEN TAL PROCEDURES.AFLAC HER E IN MEANS AMER I CAN FAMI LY L I FE ASSUR AN CE C O MPAN Y OF COLUM B U S.

1 “The Public Speaks Up on Oral Health Care: An ADA and Crest/Oral-B Survey,” American Dental Association, October 2008.2Subject to applicable Waiting Periods.

T E R M S Y O U N E E D T O K N O W

COVERED PERSON : Covered Person includes any person insured under the coverage type you applied for.

Please see the Schedule of Dental Procedures for a complete and comprehensive definition.

GU ARANTEED-RENEWABLE : The policy is Guaranteed-Renewable for your lifetime, subject to Aflac’s right to change premiums by class upon any renewal date.

POL ICY YEAR MAX IMUM: The Policy Year Maximum is the total dollar amount of benefits payable per policy year, per Covered Person.

WAIT ING PER IOD : The Waiting Period is the period after the Effective Date of coverage for which benefits are not payable. If the policy is reinstated, all Covered Persons will be subject to new Waiting Periods beginning with the date of reinstatement. If a dependent is added by endorsement, the Waiting Period for such dependent will begin on the Effective Date of the addition. The Waiting Period will vary based on the benefit category.

W H AT I S N O T C OV E R E D

Aflac will not pay benefits for losses caused by or resulting from any procedure not shown on the Schedule of Dental Procedures; services that are not recommended by a dentist or that are not required for the preservation or restoration of oral health; repairs to dental work within six months of the initial work; treatment received while outside the territorial limits of the United States or, if outside the United States, the territorial limits of the place where your policy was issued; treatment received prior to the Effective Date of coverage; or treatment received during a benefit’s Waiting Period.

No benefits will be paid for replacement of teeth missing before the Effective Date of coverage.

Aflac will not pay benefits for services rendered by you or a member of the immediate family of a Covered Person.

Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.

Please see the Schedule of Dental Procedures for procedure-specific limitations and exclusions.

90%OF SYSTEMIC DISEASES,

3

3“Warning Signs in the Mouth Can Save Lives,” Academy of General Dentistry, October 2008.

OVER

Underwritten by: American Family Life Assurance Company of ColumbusWorldwide Headquarters | 1932 Wynnton Road | Columbus, Georgia 31999

aflac.com/social 1.800.99.AFLAC (1.800.992.3522)