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Consumer groups and some government officials say that cancer insurance returns fewer premium dollars to policyholders than standard insurance.

A U. S. General Accounting Office study found that the policies paid back as little as 35 % of premiums ( Aflac said its cancer insurance paid back 62. 4 %).

In comparison, New York State requires most major-medical policies to pay back 82 % and group policies to pay back 75 %.

New York State does not allow stand-alone cancer policies.

In 1997, AFLAC spent $ 175, 000 on lobbyists and campaign contributions to change the law.

New York State lifted its ban in 1998, for purchasers who already have basic coverage.

Consumer Reports recommended that policyholders use the money instead to buy lower-deductible insurance.

The cancer plan pays some of the highest commissions to agents in comparison to the other products.

However, the option does exist to add a " Return of Premium " rider which pays back to the insured all premiums less claims paid out if the plan is never actually used.