DoomBunny wants to know: AFLAC?

[saffronhare]

So, huh. I have the opportunity to enroll in AFLAC (again) this year at my place of employment. It's something I never really gave much thought to before, but the shift in my living situation and financial profile over the last couple of years has triggered second thoughts. Additionally, I just purchased life insurance that's mine-all-mine (not through my employer); and mom falls almost every week. Frailty and mortality are very much top-of-mind these days.

Does anybody here have AFLAC? What do you think of it?
Did you have the option but waived it? Why?

DoomBunny wants to know. :)