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I don't have any experience with working at a startup. What I do have is 5+ years experience working at Aflac some years back. I no longer work there.

They sell supplemental insurance, not major medical. They don't do co-insurance. They pay cash directly to the policyholder.

Not long before I left, they came out with a disability policy that could be purchased with as few as 4 employees and working as little as 30 hours per week. My recollection is this was groundbreaking.

They can provide access to benefits at no cost to the company.



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