How do state variations affect Aflac product availability?

• A. All states offer the same Aflac products with identical rates
• B. States regulate product offerings, forms, and rates; availability can vary by state
• C. Availability depends only on customer age
• D. Products are restricted by federal law and do not vary by state

Answer: (B)

State regulators oversee insurance products, so Aflac’s offerings are approved state by state. Each state's Department of Insurance reviews and approves policy forms, riders, and the premium rates that can be charged. That approval process determines what products are legally available, what features can be included, and how much they cost in that state. Because of these state-by-state decisions, availability can vary from one state to another. While age affects eligibility and pricing, it isn’t the sole factor, and federal law doesn’t mandate identical products across all states.