I was curious to know if there was anything out there similar to Aflac for a NON employee benefit? Say an individual/s would like to have their own standalone plan of some sort. What, if anything could you use instead of Aflac within the same budget or little more but perhaps better benefits. I actually have an Aflac contract that I got with a fellow buddy insurance agent but I'm not familiar with their offerings. From what I remember, if the individual signs up with their employer or through group (even though the employer may not being paying any part of it) it's slightly cheaper and there is one or two more plans available that they couldn't get as an individual. I guess what I'm looking for is an Aflac type product for individuals not groups but I'm not sure one exists. Closest I can think is one of these accident plans. However if I'm wrong about the better Aflac offerings with groups then I'd like to know what Aflac can do on an 'individual' basis.