I joined AFLAC at the beginning of this year 2012. In June, 2012 I was involved in a head on collision. suddenly I was faced with medical bills, physical therapy and a number of other unexpected issues. Even though I had signed up with AFLAC I had never used it. I was not clear just how to file a claim. Marcia Goggin was there to help me through the process. I have several policies and she helped me retrieve due payment from my policies. Once she helped me process the claims, I received payment almost immediately. Marcia Goggin is a wonderful person to have on your side in times like these. Thanks Marcia.