When a policyholder gets sick or hurt, Aflac pays cash benefits fast. Aflac products provide cash benefits directly to the policyholders to help with daily living expenses when an accident or illness occurs. These cash benefits can be used for expenses that aren't covered by Major Medical Insurance, like deductibles, co-payments; even grocery and utility bills, house or rent payments, car payments, travel to and from treatment centers. For nearly six decades, Aflac insurance policies have given policyholders the opportunity to focus on recovery, not financial stress. In the United States, Aflac is the leading provider of voluntary insurance. In Japan, Aflac is the number one life insurance company in terms of individual policies in force. Aflac individual and group insurance products help provide protection to more than 50 million people worldwide. For seven consecutive years, Aflac has been recognized by Ethisphere magazine as one of the World's Most Ethical Companies. In 2014, FORTUNE magazine recognized Aflac as one of the 100 Best Companies to Work For in America for the 16th consecutive year. Also, in 2013, FORTUNE magazine included Aflac on its list of Most Admired Companies for the 12th time, ranking the company number one in the life and health insurance category.