Employers may save their employee's 50 to 80% on monthly premiums by offering it as a group rate at NO cost! Aflac requires that there must be a minimum of 3 individuals or 3 policies to qualify for group rates. Employer's may either payroll deduct Aflac's monthly premiums for the employee's at a pre-tax basis or the employee's can choose to have premiums directly withdrawn out of their bank account! Aflac profides up to 10 different policies! Most commonly sold policies are; accident, short-term disability, life, dental, and cancer.