Aflac

flac is listed 118 on the Forbes list, they also pay pretty quick and their rates don't increase because a claim was filed. Can't beat that! c M +1 The only insurance company on Ethisphere's list of most ethical companies for the past 7 years; highest loss ratio, paying $.66 on every dollar of premium they receive. I could go on..... One Day Pay available for most properly documented, individual claims submitted online through Aflac SmartClaim by 3PM ET. Aflac SmartClaim not available on the following: Disability, Life, Vision, Dental, Medicare Supplement, Long Term Care/Home Health Care, Aflac Plus Rider, Specified Disease Rider and Group policies. Aflac processes most other claims in about four days. Processing time is based on business days after all required documentation needed to render a decision is received & no further validation and/or research is required. Individual Company Statistic, 2015. Aflac will be operating on modified business hours Friday, May 6th; uploaded claims received after 12:00 pm ET on 5/6/16 will be processed on the next business day 5/9/2016.