I am an independant insurance agent who works with Aflac quite a bit. I partner with Aflac agents because, quite simply, those who have been around for more than a year are very hard workers. My line is life and annuities and my partnerships with Aflac agents typically adds 10-15k to the agent first year. AND strengthens his/her Aflac business because of the improved service and multiple lines. Why leave money on the table for someone else to scoop up?