So AFLAC never denies claims, right?

Yes, because insurance companies are so anxious to pay off claims that they'll pop up and attempt to shove money into your face if they even THINK you're injured.  Especially AFLAC, whose duck- which stopped being funny about twenty years ago BTW- will practically jump you with a bill full of money if you so much as HINT that you might be in need of financial assistance.  Uh huh.

The only thing more ridiculous than the notion that AFLAC just can't wait to hand you money is the suggestion that this woman actually forgot that she signed up to pay for very, very expensive insurance.  How big is this woman's salary if she didn't even notice those huge chunks of it being handed to AFLAC every freaking payday?