Aflac sells supplemental insurance policies per risk. RMO MyShield bundles income-disruption protection into a single membership plan. Here’s how the two stack up on benefit triggers, claim process, plan structure, and household coverage.
Both pay you when something disrupts your income. They get there through very different structures.
RMO MyShield is a member-protection plan and is not insurance in most states. Aflac is regulated insurance. Read both agreements before deciding.
RMO MyShield vs. Aflac on plan structure, benefit triggers, payouts, and household coverage.
| Feature | RMO MyShield | Aflac |
|---|---|---|
| Product type | Member-protection plan | Supplemental insurance policy |
| Plan tiers | MyShield I, II, III, IV | Separate policies per risk (Accident, Hospital, Short-Term Disability, Critical Illness, etc.) |
| What it covers | Income disruption: groceries, housing, utilities, transit, childcare, medical, debt (tier-dependent) | Per-policy: accidental injury, hospital stays, illness, disability income replacement |
| Pricing model | Flat monthly tier — same price regardless of age or health | Premiums based on age, state, occupation, and benefit amount |
| Household coverage | Plan covers the household under one membership | Each insured family member is typically a separate policy or rider |
| Underwriting | No medical underwriting; requires active RMO membership | Health questions / medical underwriting on most products |
| Claim process | File via MyRMO; covered events trigger monthly benefit | File via Aflac One Day Pay™ for eligible accident/hospital claims; disability claims require medical documentation |
| Long-term income replacement | Short to medium-term safety net | Long-term disability options available |
| Bundles with other products | Yes — bundles with RMO Bank, Insurance, Auto Finance via membership | Standalone insurance; bundling via employer payroll deduction only |
| Regulated as insurance | No (member-protection plan) | Yes |
Comparison details summarized for context. See RMO Protection MyShield plan disclosures and Aflac policy documents for complete fees, exclusions, waiting periods, and conditions.
MyShield is a fast-pay household safety net for income disruption. Aflac is a regulated insurance carrier covering specific named events. They’re complements as often as competitors.
Personal Membership unlocks every RMO Protection plan including MyShield I-IV. Apply in minutes online.
Tier I covers basic necessities. Tiers II-IV expand to housing, transit, childcare, medical, and debt. Pick what matches your household risk.
If a covered income-disruption event occurs, file via MyRMO. Approved claims pay a monthly benefit you can use for what your tier covers.
RMO MyShield is a member-based financial protection plan that pays a monthly benefit if a qualifying income-disruption event occurs (job loss, disability, hospitalization). Aflac is a supplemental insurance carrier that sells separate policies for accident, hospital, disability, and critical illness. MyShield consolidates income-disruption protection into a single membership plan; Aflac sells coverage as individual policies you assemble per risk.
MyShield is not a disability insurance policy. It is a member-protection plan that pays a monthly benefit when a covered income-disruption event occurs. If you need long-term disability income replacement, Aflac and traditional disability carriers may be more appropriate. MyShield works best as a fast-pay short-to-medium-term safety net.
MyShield is a flat monthly member fee for the entire household across four tiers (I-IV). Aflac premiums are quoted per policy and vary by age, state, occupation, and benefit amount. Most members choose MyShield II or III for predictable monthly cost without per-policy underwriting.
MyShield I covers basic necessities like groceries. MyShield II adds housing (rent or mortgage) and utilities. MyShield III adds transportation, childcare, and medical out-of-pocket. MyShield IV adds student-loan and qualifying-debt payments. Each plan pays a monthly benefit during a covered income-disruption event.
Yes. MyShield is a member-protection plan and is not regulated as insurance in most states. Members commonly stack MyShield (fast-pay income disruption benefit) on top of an Aflac short-term disability or accident policy (insurance-regulated supplemental coverage). Read each agreement to confirm coordination of benefits.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Become an RMO member and choose the MyShield tier that matches your household risk. One flat monthly tier — no per-policy underwriting, no age-based premiums.
