Aflac is a SCAM you pay them to work!

klirich in Lynnwood, Washington said: Bravo...well said! The license fees and schooling to help you pass the exam are no-brainers. This is not a free-ride...you have to WORK to make a go of it. I'm on your team!

Not well said when they go fishing for people with no expereince in the area, as they did with me. I have a master's degree, and my background has nothing to do with sales or insurance. They reached out to me and asked me to pay them as if they were supposed to be my saviour.

JK in Fort Lee, New Jersey said: My problem isn't with the legitimacy of the program, it's just that I was contacted via the phone. They said they saw my resume on a website and would like to speak to me about a job. I inquired about specifics and the woman on the phone was unwilling to oblige. I work in the film industry. My resume is geared to get work as a shooter/video editor. Nothing on there shows any sales experience whatsoever. The job market being how it is, AFLAC's methods of recruitment are highly irresponsible. Job hunters will willingly go for any opportunity no matter the cost or the effort making their way out to the recruitment center. People wouldn't complain about this being a scam if the details were divulged over the phone. I asked a simple question, "What does the job entail?" I got a very vague response ending, "our recruiter will fill you in on the details." I didn't respond to any ad, they reached out to me. It seems like a snare to draw in the desperate unemployed into a career they didn't want.

Whoever marked this comment "unhelpful" was simply being a jerk.

Aflac is not a Scam. The problem is many of us fell victim to only listening to part of the sales pitch. The part that I'm referring to is the amount of money that we were told we would make. I was recruited about 4 yrs back I assume thru career builder I would bet Aflac pays these type of career builder companies for access to the applicants. I never had any sales experience on my resume but was in need of a job so I took the interview. Needless to say it didn't work out. If I had read from this forum before I paid the fees and took the job I would have been better prepared. Aflac agents need to understand that you must go into this with the mind set that it's your business and you must work harder than the next man to succeed. Most markets are saturated with agents who work for Aflac but you cannot let that discourage you. I enjoyed being out in the public but the $500 in two months was not paying the bills. Funny thing I wonder if anyone from my class is still in the business. Well I said enough I enjoy reading comments from those who have walked in my shoes. One more thing watch out for the Aflac defenders who probably are the District or Regional Coordinators feeding off of the little fish (new agents). Signed Off Former Aflac Agent, Now Federal Law Enforcement on my to 100k in the near future. After the pay freeze is over.

ricksmoove in Springfield said: Aflac is not a Scam. The problem is many of us fell victim to only listening to part of the sales pitch. The part that I'm referring to is the amount of money that we were told we would make. I was recruited about 4 yrs back I assume thru career builder I would bet Aflac pays these type of career builder companies for access to the applicants. I never had any sales experience on my resume but was in need of a job so I took the interview. Needless to say it didn't work out. If I had read from this forum before I paid the fees and took the job I would have been better prepared. Aflac agents need to understand that you must go into this with the mind set that it's your business and you must work harder than the next man to succeed. Most markets are saturated with agents who work for Aflac but you cannot let that discourage you. I enjoyed being out in the public but the $500 in two months was not paying the bills. Funny thing I wonder if anyone from my class is still in the business. Well I said enough I enjoy reading comments from those who have walked in my shoes. One more thing watch out for the Aflac defenders who probably are the District or Regional Coordinators feeding off of the little fish (new agents). Signed Off Former Aflac Agent, Now Federal Law Enforcement on my to 100k in the near future. After the pay freeze is over.

I really think that it's totally inappropriate and unethical to be pitching a $300 class to people who are actively seeking for work and probably don't have that kind of money to spend and to present it as a "position."

The person on the phone said that I would be interviewing for a "business to business marketing position." It was not presented as a "business opportunity" or as a pitch for a class, so Aflac is using an inherently dishonest methodology to bring people in, and I believe that this fits the definition of "scam."

Scott in Bronx, New York said: The person on the phone said that I would be interviewing for a "business to business marketing position." It was not presented as a "business opportunity" or as a pitch for a class, so Aflac is using an inherently dishonest methodology to bring people in, and I believe that this fits the definition of "scam."

You obviously have zero clue about State Licensing, Continuing Education or business is general. First, AFLAC is a B2B endeavor. 90% of the effort goes into working with the business in setting up the meetings, billing and support for their employees. AFLAC markets to businesses so they will allow their employees to choose these benefits and protection.

Secondly, the "$300 class" makes AFLAC $0 in profit. They have found that class is the best way for people to pass the state insurance exam so they can be licensed. If you would bash your Liberal State Government as much as you've attacked a successful private business, you might actually make a difference. New York is one of the worst in insurance corruption at the state level.

There is no "inherently dishonest methodology" pushed by AFLAC. They are listed as one of Forbes Top 100 Places to work every year. You just want a free ride and guess what? There isn't one! You have to work and sometimes you get the bear and sometimes... I know your Mommy promised that life would be fair but she lied. It isn’t.

One of my agents has been working on getting an account for a long time and finally this week he was able to present to the employees. His commission check for just this week is $863,542. The government will take over 50% of that but it is still a nice payday for him and a great Christmas for his family. That's the way it works. You work hard and take care of the customer and you get paid. I know - It's not "fair" because somebody didn't knock on your door and hand you a check too.

Please stay away from AFLAC. We only want winners - Not whiners.

Some serious bs Scott. $865k in a week with only one week after the presentation? If my math is correct, average premium person is $800 annualized and say commission payout is 35% with Aflac advancing 63% up front. Industry avg on participation is 60%. That means your rep was able to generate over 4million in premium and saw 12,000 employees and sold 5000 of them face to face? If that's not sketchy I don't know what it, since an agent has to sit face to face with an employee and witness signature. Alternative is that he takes a third of commission and have agents enroll the group but that's still not believable.

truth behold in New York, New York said: Some serious bs Scott. $865k in a week with only one week after the presentation? If my math is correct, average premium person is $800 annualized and say commission payout is 35% with Aflac advancing 63% up front. Industry avg on participation is 60%. That means your rep was able to generate over 4million in premium and saw 12,000 employees and sold 5000 of them face to face? If that's not sketchy I don't know what it, since an agent has to sit face to face with an employee and witness signature. Alternative is that he takes a third of commission and have agents enroll the group but that's still not believable.

I’ll be sure and warn him that that statement on the website is “not believable” so all that money in his bank account is bogus because the “truth in New York says so.

I also said that he had been working on the account for a long time and it finally paid off this week. The presentations have been going on for the last several weeks. So no bs, just excitement for my agents.

Actually the employer has over 22,000 employees and they purchased over 2 million in policies for their employees as part of their benefits package. The rest came from his 100% sign ups and his 60-40 splits with the other agents. All told the account generated over 6 million in AP. The point is that you can make it if you work for it. If you sit around and whine about how others get all the breaks, you will never be successful. You can always find excuses for failure and it begins with some moron telling you that it can't be done or it's a scam. Listen to the clueless and you will begin to believe them.

If that's true, great for him. Too bad he missed on another 40-50k, if he was with other supplemental insurance carriers, such as Allstate, Colonial, Trustmart or Assurant, he would've gotten a bonus on case count and premium generated. But I guess the commission is enough, right?

truth behold in New York, New York said: If that's true, great for him. Too bad he missed on another 40-50k, if he was with other supplemental insurance carriers, such as Allstate, Colonial, Trustmart or Assurant, he would've gotten a bonus on case count and premium generated. But I guess the commission is enough, right?

Well, I wonder if he didn't have the strength of AFLAC with the brand recognition and advertising that the duck brings, he might have not gotten it at all.

AFLAC does more in the supplemental insurance area than the next 13 carriers combined. The rest are wannabes and with Obamacare looming, most will be either attempting to do what we do or out of business. I think he will be just fine and I feel sorry for the agents having to cripple through with those other subpar insurance companies.

Feel free to report aflac scams at americancomplaintcenter.invisionzone.com/index.php?/topic/87-aflac/

It is extremely important to understand that all regions are different and all districts within those regions are different. Some are more experienced than others. YOU need to interview THEM. Do not allow yourself to get stuck with an inexperienced or lazy district manager.

If anybody who is posting on this board is interested in working for an insurance broker who provides the best inside support team, please post again with an email address and I will contact you. The way our office works is that we have an inside sales associate assigned to each sales rep. The inside associate books all appointments and handles all of the customer relation work once the account is signed. The inside sales associate works on a commission basis, so it is in their best interest to book you the best leads possible. Our office is in Ocean county, NJ and we have been so busy that we are expanding. Just so that you are aware, we have a very low turnover rate and a very high success rate.

looking for great sales agents in Lakewood, New Jersey said: If anybody who is posting on this board is interested in working for an insurance broker who provides the best inside support team, please post again with an email address and I will contact you. The way our office works is that we have an inside sales associate assigned to each sales rep. The inside associate books all appointments and handles all of the customer relation work once the account is signed. The inside sales associate works on a commission basis, so it is in their best interest to book you the best leads possible. Our office is in Ocean county, NJ and we have been so busy that we are expanding. Just so that you are aware, we have a very low turnover rate and a very high success rate.

I'M INTERESTED BUT OUTSIDE DC UNFORTUNATELY

Jeff Sock in Cranston, Rhode Island said: Hi,

I am a District Sales Coordinator with AFLAC. My brother is a Regional Sales Coordinator with AFLAC. I never write on "blogs" like this and will probably never read responses after mine.

I train my Associates as best I can - I will not tell them what I make or made in any of my years with AFLAC (3 plus now) - it is none of their business. When I started, I had a side business. When we interview we tell them exactly how difficult it is, as well as how much you can make. My brother made almost $100,000 his first year - he had sold his business and devoted himself fulltime to selling AFLAC - I had to deal with my side business to make it through. I own my business and I have no loans - just my own hard work.

I explain to them that they are business owners, they do not work for AFLAC.

Sales is hard, insurance sales is probably harder than your average sales, but where else are there renewals, stock bonuses and the opportunity to see new employees to offer our very valuable products on a regular basis.

I am sorry for the people on this message board who whined - they never should have been contracted with AFLAC - but how would we know you couldn't make it unless we gave you the opportunity to try.

AFLAC is truely an accessible opportunity to grab the American Dream - I have purchased my first home, own my own boat, and make my own schedule all due to the opportunity and hard work I brought to AFLAC. And yes I am biased - I am biased to people who work hard and make it - or try it and find out a 40 hour job with a paycheck is for them - either is fine just be honest.

I am sorry for anyone who worked in a bad District or Region - that is not how we operate in my State.

Thanks

Jeff Sock

please tell me more....very excited on getting on board some day.

Just wanted to point out one thing first. A lot of people on here, who is flaming (speaking negatively) about Aflac, can't type, spell, and have complete disregard for English grammar. Just saying.

With that in mind, I was contacted by Aflac by phone where they read my resume on an online job seeker website. I went into my first interview today and was giving the packet of information and a break down of how the pay structure went. Yes, they only pay you on commission. There is still money to be made depending how hard you are willing to work. That aside, you should do as much research as you can on a company before you seriously consider working for them. That's even more important when you need to spend $200-$300 on a licenses. My Regional Sales Coordinator old me to come in with questions for my second interview. I'm doing a lot of research on Aflac and this web-site really helped figure out the more important question. I will post the question and my Regional Sales Coordinator response to them as soon as I get back from my second interview. So far I have about 13 questions and still need to read about 3 more web-sites about Aflac Sales Associate positions.

I guess you just added yourself to the list of people
"on here",
"who is flaming" (speaking negatively) about Aflac, can't type, spell, and have complete disregard for English grammar. Just saying.
"I was contacted by Aflac by phone"
"Yes, they only pay you on commission"
"That's even more important when you need to spend $200-$300 on a licenses"
"My Regional Sales Coordinator old me"
"this web-site really helped figure out the more important question"

Thanks for the laughs

Sorry rick, I think I still win. Twice if you think about it. I said people who were flaming. I was not flaming. I was just saying people need to do their home work before they spend the $200-$300 to get their license, then take the class. That's +1 me. Also, if you're still on a blog that you posted on 19 months ago that talk's about being an agent for Aflac and you try to make me look like an a idiot when I'm just trying to help "ricksmoove in Springfield 19 months ago". I don't even think I need to make fun of you. But, if it makes you feel better about yourself, then all the more power to ya man. I just feel bad for you because that's sad.

P.S.

I got my 2nd interview on thursday. So for people who are this blog for the information aspect of it, I'll post tomorrow late after noon.

John in Pittsburgh: I've been with Aflac for 5 yrs. now. One of your questions on Thursday needs to be "How many groups did the DSC that's about to train me open on his/her own before becoming a DSC?". That'll give you a good idea about their competence.

At any rate, I am a former DSC and I wouldn't work with idiots like someone named "smoove".

larson81 in mauldin, South Carolina said: John in Pittsburgh: I've been with Aflac for 5 yrs. now. One of your questions on Thursday needs to be "How many groups did the DSC that's about to train me open on his/her own before becoming a DSC?". That'll give you a good idea about their competence.

At any rate, I am a former DSC and I wouldn't work with idiots like someone named "smoove".

larson81 if you took the time to read little johns remarks that began with insulting people who may have had a bad experince with Aflac. As little john stated this site is to be informative to those who are searching for anwsers. I found his comments to be amusing so I responded with the obvious. Little john should ask if he can speak with the lowest producer and the highest. Then he should ask them both what type of training has he/she received since receiving there license. I'm not an Aflac basher by no means it wasn't for me so I moved on to better things. larson81 why would a name stop you from doing business with them? Lastly if I'm an idiot what does that make you for getting offended over a joke. Little john watch out I think larson81 is attempting to groom you.

Rick, get a hobby

ricksmoove in Springfield said: larson81 if you took the time to read little johns remarks that began with insulting people who may have had a bad experince with Aflac. As little john stated this site is to be informative to those who are searching for anwsers. I found his comments to be amusing so I responded with the obvious. Little john should ask if he can speak with the lowest producer and the highest. Then he should ask them both what type of training has he/she received since receiving there license. I'm not an Aflac basher by no means it wasn't for me so I moved on to better things. larson81 why would a name stop you from doing business with them? Lastly if I'm an idiot what does that make you for getting offended over a joke. Little john watch out I think larson81 is attempting to groom you.

I was hired by AFLAC a few years ago. I was very wary of the pyramid aspect of this from day one, and after a few weeks there I was 100% convinced of this. From the very first interview, all they wanted you to do was to start calling to recruit new representatives to work under you. This was before I knew one thing about the product, the benefits of it or how to sell it. You were expected to show up on Monday morning for a sales meeting, and on that same evening to start recruiting! They pay some person minimum wage (More than you'll make) to go through Monster, Hot Jobs etc and search for resumes. They give the list to the new recruits and tell them to give them the same pitch that got them in the office. You were expected to do this for at least 4-5 hours per week.

As far as actually selling the product, they gave all the new recruits "leads" which consisted of a listing of every business on earth that did not have AFLAC. All of these businesses were being bombarded by calls from new agents so much that the vast majority of them refused to even talk to you (thus that's why one of the sales tips was NOT to mention you were claling from AFLAC!) I recently lost my last job and put my resume up for public view on Monster again and boom. Call from a recruiter that night! Asked him how long he had been doing this and how many sales he had made and he of course refused to answer, saying that he was simply a corporate recruiter, but I'd wager any amount of money he was brand new. This is a classic pyramid scheme. The managers are just throwing stuff against the wall and hoping one out of a thousand recruits has an inside connection to a large company that they can get their percentage off of. If you want to make a thousand cold calls a week to possibly get three appointments then go for it, it's as simple as that. Other than that your primary responsibility will be to recruit people "under you" (actually to compete directly with you).

For people calling it a pyramid scheme, here is the definition.

"A successful pyramid scheme combines a fake yet seemingly credible business with a simple-to-understand yet sophisticated-sounding money-making formula which is used for profit. The essential idea is that a "con artist" Mr. X, makes only one payment. To start earning, Mr. X has to recruit others like him who will also make one payment each. Mr. X gets paid out of receipts from those new recruits. They then go on to recruit others. As each new recruit makes a payment, Mr. X gets a cut. He is thus promised exponential benefits as the "business" expands"

Aflac does not take any money off you to to work for them. The only cost to you is to get a license. You are paying the state the money, not aflac. If it is a pyramid scheme, they have been doing a pretty good job ecp being on the Forbes magazine for best companies to work for.

Scott in Lake Charles, Louisiana said: Aflac is not hiring you to work for them, they are recruiting you to work for yourself. There is no other career where you can grow a $1,000,000 business and only cost you $600 for the license and testing fees.

I just retired from Aflac after 16 years; when I started there was ZERO training. I got out there and made appointments, sold a need and the employer liked it. Aflac associates do not sell a product that a person: 1. Can't afford 2. Doesn't need 3. Doesn't want

If you just get out and WORK SMART you will be successful. It may not happen the 1st year, it may not happen the 2nd year but you will be very successful and VERY BLESSED.

Scott-
Can I talk to you off line regarding a career at Aflac? my email address is tracy_brodd@yahoo.com. I would really appreciate your input.
Tracy

I was contacted by aflac via email on career builder. Which i thought was interesting considering my resumes are set to private, and also have only customer service not sales in them. On another note though the email i got said customer service. It gave me 2 times to interview with and no details on the job. When i arrived i was put in a room with about 40 people and then the sales pitch started. Which let me just say this guy gloated so much about making 6 figures and how nj is only 5% touched the market is huge. How he owns 4 buildings a condo a new car etc. He talked more about what he has and his career in the last 10 yrs then the job its self. And in this econemy to be told the 300 or a license is nothing is disgusting. I spent an hour there and never would have gone if they bothered to be truthful and say it was a sales job and only commission right upfront. There moto was for you to be here you have to want to make real money and be money motivated.

NJ onlooker in Lake Hiawatha, New Jersey said: I was contacted by aflac via email on career builder. Which i thought was interesting considering my resumes are set to private, and also have only customer service not sales in them. On another note though the email i got said customer service. It gave me 2 times to interview with and no details on the job. When i arrived i was put in a room with about 40 people and then the sales pitch started. Which let me just say this guy gloated so much about making 6 figures and how nj is only 5% touched the market is huge. How he owns 4 buildings a condo a new car etc. He talked more about what he has and his career in the last 10 yrs then the job its self. And in this econemy to be told the 300 or a license is nothing is disgusting. I spent an hour there and never would have gone if they bothered to be truthful and say it was a sales job and only commission right upfront. There moto was for you to be here you have to want to make real money and be money motivated.

NJ Onlooker,

Obviously the correspondence worked as well as that e-mail got you to the Career Opportunity Meeting. :)

Many successful Aflac agents started out at those same meetings. They deserved to hear about Aflac so they could make an educated/informed decision on whether to pursue a career with Aflac...or not.

Sure, making the transition from a salaried position to a commissioned position is difficult, but how many bad cycles in the economy and starting over after a layoff can the average person endure?

My only regret is that I didn't start doing this years ago!

p.s. It is not a requirement to have a background in B2B Marketing, Sales, or Telemerketing/Cold-Calling to be successful in Aflac. Many agents in local offices came from industries such as teaching or manufacturing.

Aflac_Careers

Aflac_Careers in Wilmington, Delaware said: NJ Onlooker,

Obviously the correspondence worked as well as that e-mail got you to the Career Opportunity Meeting. :)

Many successful Aflac agents started out at those same meetings. They deserved to hear about Aflac so they could make an educated/informed decision on whether to pursue a career with Aflac...or not.

Sure, making the transition from a salaried position to a commissioned position is difficult, but how many bad cycles in the economy and starting over after a layoff can the average person endure?

My only regret is that I didn't start doing this years ago!

p.s. It is not a requirement to have a background in B2B Marketing, Sales, or Telemerketing/Cold-Calling to be successful in Aflac. Many agents in local offices came from industries such as teaching or manufacturing.

Aflac_Careers

It is laughable to say the correspondence worked. You forget how you talk about enduring hardship, but going into all commission is not reliable what so ever. Not to mention those that are unemployed right now can be worsened by taking this on if they ail as they lose unemployment completely. I was told it was customer service account Rep, not sales. To say you allow your reps to lie to get people in the door is unethical and wrong. My point is that aflac blatently lied to get those people in to begin with.

after reading comments i will NOT be going to first interview tomorrow. I am unemployed and do not have $300 to waste. the job title was account rep(which i take as meaning accounts already set up). misleading job title. so glad i found this before i went to interview.

531lily in New Castle, Delaware said: after reading comments i will NOT be going to first interview tomorrow. I am unemployed and do not have $300 to waste. the job title was account rep(which i take as meaning accounts already set up). misleading job title. so glad i found this before i went to interview.

I'm not sure as to what $300 you are referring to? If you are looking at the costs to come onboard in this region, the costs are much less than that. But, I think any excuse would have been effective for you at this point.

If you are that easily influenced by heresay in a forum, you're probably not Aflac material anyway, quite honestly. Those people with low self-accountability and low commitment seldom are.

Good luck on unemployment.

Aflac_Careers

Aflac_Careers in Wilmington, Delaware said: I'm not sure as to what $300 you are referring to? If you are looking at the costs to come onboard in this region, the costs are much less than that. But, I think any excuse would have been effective for you at this point.

If you are that easily influenced by heresay in a forum, you're probably not Aflac material anyway, quite honestly. Those people with low self-accountability and low commitment seldom are.

Good luck on unemployment.

Aflac_Careers

wow what a crap response read the act of being on unemployment and realize you get way less then you did when you work, and the fact of many people losing everything and barely being able to feed them selves. In NJ it is 300-350 for the license. People dont have money to spare for a risk that does not pay with false promises as aflac. You should respect people better, an see to that they were lied to aswell with saying account rep not sales. Just another prime example of this companies shady dealings.

I let a lot of these angry reponses go, but this one & the one that it is referencing must be responded to.

I am an Aflac agent, started with nothing and no accounts JUST LIKE EVERYONE ELSE. I have been doing this for 6 years. I have EARNED my career. Just because I had to go out and get my own accounts does not mean that my job cannot be called account rep. There are many agents who do not open any new groups and in essence are only working in the capacity of visiting active accounts. THEIR accounts. What planet are you from to think that you are going to get an account rep job and just go "harvest the money trees" from an existing collection of accounts that are just waiting for someone to come in so they can hand you your golden paycheck? Wake up friend, because you are dreaming. It's laughable to think that there is a job like that, except it isn't funny that there are people that think they are entitled to a career. You have to earn it.

The licensing fees are charged by the state you live in and not Aflac. If you have a problem with it, then your issue is not with Aflac. The next part about "risk, does not pay, and false promises", well, there is no risk with Aflac. This isn't gambling. This is an opportunity. Just because you do not want the opportunity does not make it a false promise. The person who invited you to either a group presentation or interview RESPECTED you enough to invite you. They presented you with an OPPORTUNITY. They saw a characteristic or background in your resume that they were willing to contract you, train you and spend their time with you instead of someone else. They paid you a compliment, but you are too ignorant and angry to realize it.

I do not want to resort to name-calling, but your attitude stinks. What did this cost you? An interview lasts less than an hour? What did it cost you!! You make it sound like you were ripped off. It cost you nothing! Believe me, I am quite sure that they weren't impressed by you either.

SP in TX For someone who is representing the company you are not very professional or pay attention to detail. You are judge mental that people have a problem with aflac careers are not earning a career. The point once again is I was told Account Rep Customer Service. You should tell me where that means sales alone. Secondly may Account Rep positions are people that help customers with issues and new products services ect. Not all company positions sell items, which again aflac presented it as Customer Service. For the record I am from planet earth where it it tough to get by money wise. No one said you pay aflac for the fees, but that it is their requirement again not told to you until you are there. The risk i speak of is loosing what you currently have. If you bothered to read things appropriately you would have seen it referring to people who are on unemployment to which if they take that job and cant cut it with commission only sales then they loose all opportunity to collect unemployment. For a sales rep you sure didnt bother to pay attention to detail did you? And when i have to drive more then a half and hour to a place based all as a lie as i just reittterated to you it is a loss when you can barely afford to feed your family. Lastly why should i be complimented by a company who contacted me by my resume to which was set to private and they could not read it.
FYI im shocked you still have a job with your attitude and lack of attention, but hey i guess that is just your ignorance right?

Scott in Lake Charles, Louisiana said: Aflac is not hiring you to work for them, they are recruiting you to work for yourself. There is no other career where you can grow a $1,000,000 business and only cost you $600 for the license and testing fees.

I just retired from Aflac after 16 years; when I started there was ZERO training. I got out there and made appointments, sold a need and the employer liked it. Aflac associates do not sell a product that a person: 1. Can't afford 2. Doesn't need 3. Doesn't want

If you just get out and WORK SMART you will be successful. It may not happen the 1st year, it may not happen the 2nd year but you will be very successful and VERY BLESSED.

S

Would you be willing to talk to me off line about your experience at Aflac? I'm considering becoming a sales agent for them. I'd love to speak with you at your convenience. tracy_brodd@yahoo.com

SP in TXD in Dallas, Texas said: I let a lot of these angry reponses go, but this one & the one that it is referencing must be responded to.

I am an Aflac agent, started with nothing and no accounts JUST LIKE EVERYONE ELSE. I have been doing this for 6 years. I have EARNED my career. Just because I had to go out and get my own accounts does not mean that my job cannot be called account rep. There are many agents who do not open any new groups and in essence are only working in the capacity of visiting active accounts. THEIR accounts. What planet are you from to think that you are going to get an account rep job and just go "harvest the money trees" from an existing collection of accounts that are just waiting for someone to come in so they can hand you your golden paycheck? Wake up friend, because you are dreaming. It's laughable to think that there is a job like that, except it isn't funny that there are people that think they are entitled to a career. You have to earn it.

The licensing fees are charged by the state you live in and not Aflac. If you have a problem with it, then your issue is not with Aflac. The next part about "risk, does not pay, and false promises", well, there is no risk with Aflac. This isn't gambling. This is an opportunity. Just because you do not want the opportunity does not make it a false promise. The person who invited you to either a group presentation or interview RESPECTED you enough to invite you. They presented you with an OPPORTUNITY. They saw a characteristic or background in your resume that they were willing to contract you, train you and spend their time with you instead of someone else. They paid you a compliment, but you are too ignorant and angry to realize it.

I do not want to resort to name-calling, but your attitude stinks. What did this cost you? An interview lasts less than an hour? What did it cost you!! You make it sound like you were ripped off. It cost you nothing! Believe me, I am quite sure that

I am about to begin a career/ attempted one with aflac here. After reading many websites, both pros and cons, I am decideing to at least take a chance with. I will keep a parttime job on the side as I suggest many of you do, incase it does not work out for you. I will be glad to update this from time to time to tell you of my honest experience with the company. The biggest problem I see will be oversaturation of the market, because although "only five percent has been touched" in truth about 90 percent as been asked from what I can tell. If it is a terrible experience I will inform you of it, but I will not bad mouth it because of minor problems nor will I boast of my earnings. If anyone else is going to give this a chance I wish you luck as well.

NJ Onlooker in Lake Hiawatha, New Jersey said: SP in TX For someone who is representing the company you are not very professional or pay attention to detail. You are judge mental that people have a problem with aflac careers are not earning a career. For a sales rep you sure didnt bother to pay attention to detail did you? And when i have to drive more then a half and hour to a place based all as a lie as i just reittterated to you it is a loss when you can barely afford to feed your family. Lastly why should i be complimented by a company who contacted me by my resume to which was set to private and they could not read it.
FYI im shocked you still have a job with your attitude and lack of attention, but hey i guess that is just your ignorance right?

I respect the comments of SP in TXD in Dallas, Texas. The fact that someone who could not afford to feed their own family was questioning the professioanlism and integrity of someone successful within Aflac is hilarious!

The reality is many people out of work will be that way for months, if not years. I had little money when I finally agreed to explore Aflac. People are going to realize that the hig

I respect the comments of SP in TXD in Dallas, Texas. The fact that someone who could not afford to feed their own family was questioning the professioanlism and integrity of someone successful within Aflac is hilarious!

The reality is many people out of work will be that way for months, if not years. I had little money when I finally agreed to explore Aflac. People are going to realize that the high-salary financial services, administration, HR, and accounting jobs are in jeopardy.

I soon realized I could gross 100k...part-time at Aflac. Where else could I do that?

Those people whining about tolls, gas, the cold weather, etc. that come to Aflac Career Opportunity Meetings are the worst! You could never please them. Forget the fact they are responsible for their own background checks, pre-licensing material, testing fees, and licensing fees.

Let me see... make 100K part-time with a $350 investment or $30k full-time with none? Wow, let me think. Sad thing is...even the 30k is not guaranteed in this economy. My job is.

Aflac_Careers in Wilmington, Delaware said: I respect the comments of SP in TXD in Dallas, Texas. The fact that someone who could not afford to feed their own family was questioning the professioanlism and integrity of someone successful within Aflac is hilarious!

The reality is many people out of work will be that way for months, if not years. I had little money when I finally agreed to explore Aflac. People are going to realize that the high-salary financial services, administration, HR, and accounting jobs are in jeopardy.

I soon realized I could gross 100k...part-time at Aflac. Where else could I do that?

Those people whining about tolls, gas, the cold weather, etc. that come to Aflac Career Opportunity Meetings are the worst! You could never please them. Forget the fact they are responsible for their own background checks, pre-licensing material, testing fees, and licensing fees.

Let me see... make 100K part-time with a $350 investment or $30k full-time with none? Wow, let me think. Sad thing is...even the 30k is not guaranteed in this economy. My job is.

No sales job is guaranteed in this economy. Remember the businesses are not the ones paying into aflac. Its all the struggling families that are. And yes a 30k job is not guaranteed, but if you loose one o them you get unemployment unlike a all commision based job. People who are unemployed cant afford your average things, but also dont have the same skills you need to make the supposed 100k. why is it that aflac tells everyone each state is 5%. In NJ they made a big deal of it as they only recently came here. Yet in other states people have said they said the exact same thing and that they were un able to survive because the areas were saturated with aflac reps. Honestly its no different the an Avon company. To late in the game to be high profit when there are so many people in the same spot with no boundries.

Lynn in Mount Airy, Maryland said: Thanks Greg for your post. I applaud you for posting a "true" response. I am new to AFLAC and have personal issues that have prevented me to get started as fast as I would have liked. I completed the AFLAC Fast Start training in mid-July and am in the process of taking my insurance exam for licensing.

If anyone else reads this and has a positive post please reply. There needs to be more.

First, Aflac is an awesome company to work for. No other company in the world that offers the training and tools for success. What we do is remarkable and "serving" to families. The PROBLEM with Aflac is sheer NEPOTISM. It really doesn't matter what you know how to do, how good you are at it, the passion you share for it. What matters is "who they like best." That is who get promoted and the big fat jobs. However, if a greedy, selfish, narcissistic manager NEEDS to promote to keep a job, they will promote people who are not ready to be promoted, hence hindering the careers of ANY new agents signed to their contracts. In other words, they will promote a "newbie" with no skills to a "manager" because they need one with no regard for the well being of the new agents that are assigned to that person. They can't close a group? No problem, I've got "someone' in that spot. Oh! The new people you hired have quit? Really? Then, they stand around in awe scratching their heads wondering what went wrong.... REALLY????????????? Yes, Really. They are all SALES people and make a pile of stinky look awesome. However, when you blow away the smoke and mirrors, the bottom line if you have to be careful who you tie your wagon to with this company. We have corrupt leaders, clueless leaders, narcissistic leaders and psychopaths in my humble opinion. If you can get with a state or RSC that actually CARES about their position and doing the right thing - CAN'T BEAT THIS CAREER. However, good luck on finding that.

Unfortunately health or life insurance in this economy is not looked at as a important requirement.Therefore it is always one of the first things to be cut in tough economic times.You can do well selling insurance for any company,but be prepared for charge backs as a bucks are shuffled and squeezed during recessions like we are currently experiencing.Insurance is never looked at as a tangible asset until a accident occurs!I have sold many products in my life,and this one has the largest charge back rate which runs 10-20% on average.

NJ Onlooker in Lake Hiawatha, New Jersey said: SP in TX For someone who is representing the company you are not very professional or pay attention to detail. You are judge mental that people have a problem with aflac careers are not earning a career. The point once again is I was told Account Rep Customer Service. You should tell me where that means sales alone. Secondly may Account Rep positions are people that help customers with issues and new products services ect. Not all company positions sell items, which again aflac presented it as Customer Service. For the record I am from planet earth where it it tough to get by money wise. No one said you pay aflac for the fees, but that it is their requirement again not told to you until you are there. The risk i speak of is loosing what you currently have. If you bothered to read things appropriately you would have seen it referring to people who are on unemployment to which if they take that job and cant cut it with commission only sales then they loose all opportunity to collect unemployment. For a sales rep you sure didnt bother to pay attention to detail did you? And when i have to drive more then a half and hour to a place based all as a lie as i just reittterated to you it is a loss when you can barely afford to feed your family. Lastly why should i be complimented by a company who contacted me by my resume to which was set to private and they could not read it.
FYI im shocked you still have a job with your attitude and lack of attention, but hey i guess that is just your ignorance right?

NJ Onlooker: Was your initial interview in Fairfield? I received an email from a recruiter last week for an Account Representative position as well. I have been an account representative and didn't think it to be a sales position. When I talked to the recruiter on the phone and asked questions, she was vague and said that the job included, "a little sales." So a true acct. rep. job doesn't exist there?

John in Pittsburgh, Pennsylvania said: Just wanted to point out one thing first. A lot of people on here, who is flaming (speaking negatively) about Aflac, can't type, spell, and have complete disregard for English grammar. Just saying.

With that in mind, I was contacted by Aflac by phone where they read my resume on an online job seeker website. I went into my first interview today and was giving the packet of information and a break down of how the pay structure went. Yes, they only pay you on commission. There is still money to be made depending how hard you are willing to work. That aside, you should do as much research as you can on a company before you seriously consider working for them. That's even more important when you need to spend $200-$300 on a licenses. My Regional Sales Coordinator old me to come in with questions for my second interview. I'm doing a lot of research on Aflac and this web-site really helped figure out the more important question. I will post the question and my Regional Sales Coordinator response to them as soon as I get back from my second interview. So far I have about 13 questions and still need to read about 3 more web-sites about Aflac Sales Associate positions.

Just wanted to point out that you made 6 grammatical or typing errors in this post.

Tryclyde in Morristown, New Jersey said: NJ Onlooker: Was your initial interview in Fairfield? I received an email from a recruiter last week for an Account Representative position as well. I have been an account representative and didn't think it to be a sales position. When I talked to the recruiter on the phone and asked questions, she was vague and said that the job included, "a little sales." So a true acct. rep. job doesn't exist there?

Yes it was fairfield location. It will be for sales. If you think you can do it go for it, but with out a doubt it is sales and all commission. Plus you must pay for your license which is either 300 or 350.

Tryclyde in Morristown, New Jersey said: Just wanted to point out that you made 6 grammatical or typing errors in this post.

just wanted to point out you that you might want to consider a hobby rather then trolling blogs.

John in Pittsburgh, Pennsylvania said: just wanted to point out you that you might want to consider a hobby rather then trolling blogs.

I actually wasn't trolling since Aflac called me for an interview and I was here for information...And it's "THAN" not "THEN". Seems like you have a complete disregard for the English language like those you insulted in the first place.

NJ Onlooker in Lake Hiawatha, New Jersey said: Yes it was fairfield location. It will be for sales. If you think you can do it go for it, but with out a doubt it is sales and all commission. Plus you must pay for your license which is either 300 or 350.

Thank goodness I found this thread before I went for the group interview, which was scheduled for today. I specifically said to the recruiter that I was not interested in a commission job, and that's when she gave her vague answer and said that it was "a little bit of everything" and that sales was a small part of it...I have nothing against an all-commission job, and God bless those who make a good living doing it, but the shady tactics used to get people to the group interview is downright reprehensible.

Tryclyde in Morristown, New Jersey said: I actually wasn't trolling since Aflac called me for an interview and I was here for information...And it's "THAN" not "THEN". Seems like you have a complete disregard for the English language like those you insulted in the first place.

dayz be callin's any peep's wid a pulse. Howz did i be doing on thats?

I have just recently signed the contract to work for Aflac and am very excited. I have run my own business for years and it is difficult to afford brochures, work trade shows and keep product in stock so I decided to work for a company that provides all of those resources. This small fee of obtaining a license and some busniess cards is well worth have a system that helps you to track your progress, support you with tons of training and products that are affordable in a down economy. With the crazy rates of health insurance this insurance with fill in the gaps when people need assistance to pay bills, mortgage or use the money they are paid for anything. Plus in response to the computer comments, Aflac helps you to finance a computer and some district managers allow you to use one of theirs. It just sounds like there are a ton of people on here that want business handed to them.

ImLittle,

Good luck. There are plenty of opportunities in Aflac to be successful. As a former business owner you have a leg up on many people I read posting here. You understand that business and money are not handed to us.

I have not posted here in a long time, I am usually minding my business working and enjoying life. I read these posts because there are emailed to me. I was very happy to see yours, a balanced and measured email.

As a district, I have several computers which I lend out as needed. You do not NEED to purchase one. If you are successful you will be allowed to finance one and earn up to $4.00 per policy to offset the cost of the nominal loan $64/month for one and even less for a device you can attach to your own computer. That is not an issue.

My advice is work harder than most, don't allow negativity in your head. We have fantastic products, that are needed, affordable and easy to sell.

Good luck.

Jeff