Hello. I’m sorry if this has been answered before, but basically, I’ve been doing a lot of soul searching and reevaluating our finances. My husband is Japanese and has handled the budgeting and such since we moved here. I handled it in America.
When we moved here 15 years ago, he was immediately pursued by a family friend who is an Aflac salesperson. My husband is kind gullible, but of above average intelligence. We were both scared and overwhelmed by the move and that’s when he signed up for this massive Aflac plan. He was 34 and I was 29.
Well, I decided that since my husband is so overwhelmed with work these days and because I’m naturally the bigger “geek” in the family, I would take a more active role in the finances. He was MORE than happy when I suggested that. He hates dealing with money. When he gave me our printed budget and bills, I freaked out. I had NO idea he’s been paying ¥40,000 a month for Aflac!!! We’ve NEVER used it! And Japan’s health care is SO affordable!!
I told him we should cancel but he hesitates because as a family of 5, on a tight income, with one kid in college, one in high school and one in junior high, he’s worried about some having some curve ball accident or diagnosis. He has reason to feel that way because I’ve dealt with years of pain and recently diagnosed with an autoimmune diagnosis that’s well managed on medication. He looked like the specimen of health, but was diagnosed with SEVERE, nearly in a coma level diabetes after our first bout with Covid. We had NO idea. So…he’s not on insulin, but would be if we lived in America. He works out, eats right, and we are an extremely health conscious family.
If you’ve made it this far, thank you. Basically, for a family who has ongoing diagnoses, but super health conscious, is ¥40,000 a month worth it for Aflac? We could really use the extra money right now….
by Indication_Fickle