Pros: great training, excellent company, free tools (website, all the printed materials you could ever want, etc.)
Cons: no defined territories..agents piling on top of one another. aflac needs to address this, imo.
I've been a full-time Aflac associate for over 12 years. This is a hard-core sales job, but Aflac is an amazing company that pays it claims in a very short period of time (IF you know how to file a claim properly.)
Anyone who says it is a scam is lying. It is NOT a scam; Aflac is publicly traded on the NYSE and is pretty much the "gold-standard" when it comes to voluntary benefits.
If you are an agent, here is your day:
1. Get appointments with business owners. Do it anyway you have to; call on the phone (minimum of 100 calls/day) or go out and knock on doors (minimum 30-40/day). It is grinding and difficult, but you'll learn quickly how to sell yourself.
2. Present to the business owner and convince her/him to let you talk to the employees.
3. Talk to the employees (yup, a lot of talking and presenting in this job.
4. Enroll them, via a laptop, and then make sure the policies go thru, all claims get paid, and any invoicing issues are resolved quickl.
It's a BIG job; as an agent you wear a lot of hats. Before the 2008 economic recession, it was a lot easier to make a living doing this. Now..it's harder, but still doable. You will work 60 hours a week...you need to be driven and focused.