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My company notified me today of available supplemental insurance through AFLAC. I decided to fill out the online form just to see what it was about before going to the meeting being held in a couple weeks. I'm a 21 year old college student that doesn't have a lot of expendable income and I wanted to see how I would benefit from making a purchase like this. I am covered with Prudential under my parents plan untill I'm 24 as long as I'm a full time student. After that point I'll have my own policy. Would this added insurance help pay for me in the long run or would I be waisting my money?