Quick answer
Continental American Insurance Company (CAIC) is the same company as Aflac Group Insurance. Aflac acquired CAIC in 2012, and it now operates as a wholly owned subsidiary handling employer-sponsored supplemental group benefits. If you're a policyholder looking to log in, file a claim, make a payment, or reach customer service, everything runs through MyAflac.com or the Aflac mobile app.
Continental American Insurance Company (CAIC) is the same company as Aflac Group Insurance. Aflac acquired CAIC in 2012, and it now operates as a wholly owned subsidiary handling employer-sponsored supplemental group benefits. If you’re a policyholder looking to log in, file a claim, make a payment, or reach customer service, everything runs through MyAflac.com or the Aflac mobile app.
Is Continental American Insurance Company the Same as Aflac?
Yes — and the short answer is that if you have a policy through Continental American Insurance Company, you’re an Aflac customer. CAIC didn’t disappear after the acquisition; it became the legal entity behind Aflac’s group insurance division.
Who Owns Continental American Insurance Company
Aflac Incorporated owns Continental American Insurance Company outright. Aflac completed the acquisition in 2012, folding CAIC into its broader portfolio of supplemental insurance products. CAIC is still a licensed insurance company in its own name — you may see it listed on your policy documents as the underwriting entity — but Aflac Incorporated is the parent.
What Continental American Insurance Is Also Known As
CAIC operates publicly under the name Aflac Group Insurance. If you see “Continental American Insurance Company” on an explanation of benefits, a billing statement, or an insurance certificate, that’s Aflac Group. The two names refer to the same licensed carrier.
How the Aflac Acquisition Changed the Brand
Before 2012, CAIC operated as an independent supplemental insurance carrier focused largely on employer-sponsored group products. Aflac’s acquisition brought CAIC’s group capabilities under the Aflac umbrella, which expanded Aflac’s reach in worksite benefit programs. For policyholders, the practical change is straightforward: customer service, claims, and account management all run through Aflac’s platforms rather than any separate CAIC infrastructure.
How to Contact Continental American Insurance Company (Aflac)
Whether you found a phone number on an old CAIC document or you just need to reach someone about your policy, all contact routes now go through Aflac.
Continental American Insurance Company Phone Number
The main customer service number for Continental American / Aflac Group Insurance is 1-800-433-3036. This line handles individual policyholder questions, claims inquiries, and billing issues.
Aflac 24-Hour Customer Service Options
Aflac offers 24-hour self-service options through MyAflac.com and the Aflac mobile app. You can check claim status, submit documents, and update payment information at any hour. For live phone support, hours are more limited (see below), but the digital tools are available around the clock.
Aflac Customer Service Hours and Live Chat
Live phone and chat support is available Monday through Friday, 8 a.m. to 8 p.m. Eastern time. Live chat is accessible through the MyAflac.com portal after you log in. If you’re calling outside those hours, the automated phone system can still pull up basic policy and claim status information.
Who Is American Continental Insurance Under
American Continental Insurance Company — sometimes confused with Continental American — is a separate entity and part of the Aetna/CVS Health family. Don’t mix these two up. Continental American Insurance Company (CAIC) is under Aflac Incorporated. If you’re dealing with a group supplemental policy at work, you almost certainly want Aflac’s contact lines above.
How to File a Continental American Claim Payment
Filing a claim through Continental American / Aflac is handled entirely through Aflac’s systems. Here’s how each option works.
Aflac Login: Submitting Claims Online
- Go to MyAflac.com and log in with your username and password.
- Select File a Claim from the dashboard.
- Choose the policy you’re filing against.
- Complete the claim form and upload any supporting documentation (medical bills, physician statements, hospital records).
- Submit and save your confirmation number.
Most claims for hospital, accident, or critical illness benefits can be submitted entirely online without mailing anything.
Aflac Login Claims Status: How to Track Your Claim
After submitting, you can track your claim status in real time from the same MyAflac.com dashboard. Look for the My Claims section. Aflac typically processes most claims within one business day once all documentation is received, though more complex claims may take longer.
Aflac Claims Phone Number and 24-Hour Support
If you’d rather file by phone or need help with documentation, call 1-800-433-3036. The automated system can start a claim after hours, and a live agent can assist during business hours. If you’re shopping for Aflac supplemental insurance coverage and want to understand what a future claim would look like, getting a free Aflac supplemental insurance quote can walk you through the benefit structure before you ever need to file.
My Aflac Login: Accessing Your Continental American Account
If your policy was issued through Continental American, your online account lives at MyAflac.com. There’s no separate CAIC portal.
My Aflac Login App: Managing Policies on Mobile
The Aflac mobile app (available on iOS and Android) gives you access to the same features as the web portal: filing claims, checking status, viewing policy details, and making payments. Search “Aflac” in the App Store or Google Play to download it.
Aflac Employer Login vs. Individual Login
There are two distinct login paths:
- Individual/Policyholder login: MyAflac.com — for employees managing their own coverage and claims.
- Employer/Group administrator login: Aflac’s employer portal, sometimes referenced as the group benefits administration portal, handles enrollment, billing reconciliation, and employee management for HR teams.
Make sure you’re using the right one. An employer login won’t give you access to your personal claim history.
My Aflac Login: Pay Bill and Manage Deposits
Once you’re logged in to MyAflac.com, navigate to Billing & Payments to set up automatic payments, change your payment method, or make a one-time payment. You can pay by bank account (ACH) or credit/debit card.
Mygrouplifedisability Aflac Portal Access
Some group life and disability policies administered through Continental American use a separate portal sometimes referenced as mygrouplifedisability.aflac.com. If your employer-sponsored plan includes group life or long-term disability coverage under CAIC, this is the portal you’ll need. Your HR department should have the direct link and your login credentials.
Continental American Insurance Company Deposit and Payment Options
How to Make a Continental American Insurance Deposit
“Deposit” in this context usually refers to making a payment toward your policy premium. You can do this through MyAflac.com under the Billing section, through the mobile app, or by mailing a check with your policy number to the address on your billing statement.
Aflac Payment Methods and Billing Cycle
Aflac accepts:
- ACH bank transfer (most common for payroll-deducted group policies)
- Credit or debit card (Visa, Mastercard, American Express, Discover)
- Check by mail
Group policies are usually billed monthly, with premiums deducted from your paycheck pre-tax if your employer has set up a Section 125 cafeteria plan.
Continental American Claim Payment Online
When Aflac approves your claim, payment can be deposited directly into your bank account via ACH — often within one business day of approval. You can also opt for a mailed check, though that takes longer. Set up your preferred disbursement method in the MyAflac.com portal under payment preferences.
How Much Does Continental American (Aflac) Insurance Cost?
What you pay depends on the supplemental policy you choose, its benefit amount, your age and whether you enroll through your employer’s plan.
What Affects Aflac Premium Pricing
For supplemental group products (accident, critical illness, hospital indemnity), premiums depend on:
- Benefit level selected — higher daily hospital benefits cost more
- Age at enrollment
- Tobacco use status
- Whether coverage is individual or includes dependents
Group vs. Individual Coverage Costs
Group supplemental policies through an employer are typically cheaper than individually purchased policies because the risk is pooled. Many employers also pay a portion of the premium, which reduces out-of-pocket costs further. If your employer offers Aflac benefits, the group rate is almost always your best deal.
Is Aflac Supplemental Insurance Worth It?
For most people who are enrolled through an employer, yes — especially for accident and hospital indemnity policies where the gap between what major medical pays and what you actually owe can be significant. The value depends on how often you use healthcare and whether your primary insurance has high cost-sharing. Supplemental coverage pays you directly, not your provider, so you can use the benefit however you need it during recovery.
Frequently Asked Questions
Is Continental American Insurance Company the same as Aflac?
Yes. Continental American Insurance Company (CAIC) is a wholly owned subsidiary of Aflac Incorporated. Aflac acquired CAIC in 2012. The company now operates under the Aflac Group Insurance brand and handles employer-sponsored supplemental group benefits. All policyholder services, claims, and account management are handled through Aflac’s platforms.
Who owns the Continental American Insurance Company?
Aflac Incorporated owns Continental American Insurance Company. CAIC became part of the Aflac family in 2012 when Aflac completed its acquisition. CAIC remains the licensed underwriting entity behind many of Aflac’s group supplemental insurance products.
Who is American Continental Insurance under?
This depends on which company you mean. Continental American Insurance Company is under Aflac Incorporated. American Continental Insurance Company — a different entity — is part of the Aetna/CVS Health family. These are two separate companies with similar-sounding names.
How do I contact American Continental insurance?
Contact Continental American Insurance Company (Aflac) by calling 1-800-433-3036, Monday through Friday, 8 a.m. to 8 p.m. Eastern. You can also use the live chat feature on MyAflac.com during business hours or access 24-hour self-service through the Aflac mobile app or online portal.
What is American Continental Insurance also known as?
Continental American Insurance Company is also known as Aflac Group Insurance. It’s the legal underwriting entity behind Aflac’s employer-sponsored supplemental group plans. If that name appears on your policy documents or EOBs, you’re dealing with Aflac.
Does Elon Musk own an insurance company?
Elon Musk’s Tesla offers auto insurance in several states through Tesla Insurance Services, which is underwritten by licensed carriers. Tesla Insurance is only available for Tesla vehicles. Musk has no ownership stake in Continental American Insurance Company or Aflac Incorporated.
How do I file a claim with Continental American Insurance (Aflac)?
File online through your MyAflac account by picking the policy, filling out the claim form and uploading your documents, or file by phone.
Log in to MyAflac.com, select File a Claim, choose the relevant policy, complete the claim form, and upload supporting documents. You can also call 1-800-433-3036 to file by phone. Aflac typically processes complete claims within one business day.
What is the Continental American Insurance Company phone number?
The customer service phone number for Continental American Insurance Company (Aflac) is 1-800-433-3036. This line handles claims, billing, policy questions, and general customer support, Monday through Friday, 8 a.m. to 8 p.m. Eastern.
How do I access the MyAflac login portal?
Go to MyAflac.com and enter your username and password. If you’ve never registered, select “Create Account” and have your policy number handy. You can also download the Aflac mobile app on iOS or Android for the same account access on your phone.