Right off the bat I must admit I am opposed to all insurance in principle, as I believe mandatory insurance is the primary reason healthcare is so expensive and complicated. I am, however, a law abiding citizen so I buy the insurance I must to obey the law and survive in our insurance driven culture. Aflac and other insurance are what many call “luxury” insurances, which means they are nice but not necessities.
Many things we call “luxury” are actually counter to what I believe a sound financial plan entails. Call me old-school, but I believe in saving and only buying what you need / can afford, and not buying anything (as much as possible) on credit. I say don’t look to someone else for your own financial security or safety net, and this includes insurance companies.