How Do I Reduce Coverage During Upcoming Open Enrollment.

I attended last year's open enrollment and spoke directly with the AFLAC representative. I inquired about reducing my coverage and provided him with contact information. I didn't receive any feedback on my inquiry. I didn't follow up. This year I want to insure that I can reduce my coverage and would appreciate the required information including forms to enable my request.

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Answer #1: Posted by LeannCLevine on November 15th, 2012 12:14 AM

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LeannCLevine

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Make sure you mark it on your calendar so you are present at open enrollment and available to meet with the servicing agent.

The industry recommendation is to set aside no more than 1-1.5 hours of income per week for your Aflac plan. I recommend that you figure out what the ideal amount for you would be for an Aflac plan. Once you (and with assistance from the agent, if necessary) decide on an amount that you are comfortable with, have the agent review your plans - products, levels, riders, etc. - to make sure you have a plan that is affordable and addresses your needs.

Most importantly, did you experience any major health incident during these past 12 months? If yes, this might affect your ability to make changes to an otherwise guarantee renewable plan.

Good luck. If the agent is still unable to help you out, call 1-800-99-Aflac, policyholder service call center, weekdays, 8 am to 8 pm EST.

Good luck!