I have Aflac.
Costs me about $800 a year.
The pay out is great for what I have setup.
If I go to the hospital I get $200 I think.
$2000 a night in the hospital.
Lots of other perks.
I have it setup for work and personal injury - i.e - fishing accident, motorcycle crash, falling down the steps...ect.
Work and play payouts are different.
My agent is great to work with too. He is very strait forward about how the claims work and will play out.