What you should know about AFLAC before taking the job

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Jen in Clayton, North Carolina

56 months ago

I've been with AFLAC for a few years now and I came to it from the finance industry. However it is not the primary source of my income and I'll tell you why below.

There are a few things you need to know before you start working for this job.

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Jen in Clayton, North Carolina

56 months ago

5. AFLAC PRODUCTS HAVE TO BE MARKETED TOWARDS MIDDLE TO LOWER INCOME. Higher income and net worth employees and individuals do not need AFLAC products, with the possible exception of Cancer policy, because 1. They have financial planners and the others don't, so they will have already analyzed potential emergency needs, 2. Have enough cash to self ensure most of the risks the AFLAC products cover and/or 3. Will have better health insurance with fewer gaps. You must target people who have little to know savings and really lousy, high deductible health plans, where if they had to pay out of pocket, they'd be between a rock and a hard place. Talking to the rich people is a waste of time.

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Jen in Clayton, North Carolina

56 months ago

6. IT'S NOT JUST A 40-HOUR WEEK. Of course, they expect you to be a full time, 40 hours per week agent, but when it comes down to it, you'll be lucky to earn $10,000 your first year. Most teams have weekly meetings all day Monday as well as frequent regional and one-on-one meetings. New agents are also required to keep meticulous track of everything they do, from # of calls, # appts, # presentations, # closes, # policies written each week, report all of this data on their website, and have those numbers analyzed to no end to make sure you're meeting the goals they expect. That means you should expect to spend your evenings after 5pm doing a ton of research and prepping for meetings and events. Expect it to be a 60-80 hour per week job for the first 2 years if you want to be successful. They will also email you constant "contest" tracking updates to "keep you motivated" and show you where you stand against other agents in terms of production written. It's a competitive environment and high pressure, so be prepared for that.

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Jen in Clayton, North Carolina

56 months ago

WHY I'M NOT FULL TIME
The reason I'm not doing AFLAC as a primary gig anymore is mostly because of #2 and #4. They don't make it as easy as possible to write business, and not being in an urban area, there are no new businesses to introduce to AFLAC. The existing accounts they bestowed upon me required a lot of my time and did not buy any new policies (otherwise known as working for free). Beware those vampires.

The product itself is a quality one, and the company is solid. The accident policy is great and everyone asks about dental, but it's kind of pricy, especially for a family, or as direct. Cancer coverage is a game changer for people who are diagnosed. Offer $5,000 whole life to everyone, every meeting, no matter what. The hospital-type policies are just gravy, and even though the commissions are good, don't waste your time unless 1. the group has everything else or 2. you want to show something "new this year".

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stevenwendt in Caharlotte, North Carolina

56 months ago

Great list and thanks for the info. It's your typical self employed job and some people can do it while others can't. It all depends on who you are. I was self employed once and while being your own boss can be exciting, you're not getting paid until the sale closes. I prefer a steady job with steady pay.

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Dale in Brooklyn, New York

54 months ago

WOW! This is great! I met with them recently and am considering it. Thank you for your honesty.

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Be Gone Bankers / Aflac in Stony Point, New York

54 months ago

I have worked in direct sales / marketing before and if anybody is contemplating working for one of these company's, if one phrase says it best:

"If its too good to be true, it usually is"

Don't waste your money and time

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Alysia S in Laguna Beach, California

53 months ago

Thank you for the info, Jen.
So, as someone considering contracting with Aflac, what alternatives are there? I.e., what other companies do you feel offer the same type of products but are up-to-date/less proprietary with regards to technology?
I would much prefer to carry around my Android tablet or an iPad versus an archaic laptop & have to purchase from them.

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Shelby in Morgan City, Louisiana

21 months ago

They now have Everwell, which is a website that is accessible from a laptop or tablet. No more SNG!!

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jetsetjack in Anchorage, Alaska

12 months ago

Can you guys please help me? Is Aflac just commission or how does the pay work? I am confused. Thanks so much!

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Trixie in Fayetteville, North Carolina

12 months ago

jetsetjack in Anchorage, Alaska said: Can you guys please help me? Is Aflac just commission or how does the pay work? I am confused. Thanks so much!

Aflac is commission only. You get a chunk of it upfront and the rest is paid to you in equal monthly payments for the next eleven months. To start with the company you first need to get all your state's licensing. I didn't think my training (2 days' worth) was enough. However, agents in other districts of my state had additional training developed by those districts' leaders. There are self-directed online courses that you are required take but I found some of them difficult in that it is evident they were meant for classroom use with workbooks. After my first week I was offered a non-sales job which offered me a regular paycheck and I took it. I never held a sales position before Aflac and found it difficult to try to convince an employer who says no that they really need Aflac and I was inclined to say, "Very well, have a wonderful day." What that really meant was--no pay for me. Additionally, there is no coordination between associates and the areas they will canvass (at least in my district) and I was told by several businesses that another associate was in less than an hour earlier. Once licensed you can sell throughout your entire state. My advice to you is: If you are a real Sales person and have the proclivity to sell your product and can successfully sign up one Employer/week--you'll do really well. The above are my experiences with Aflac and others will no doubt have a different story. I hope this helps.

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Jennifer Collins in Boynton Beach, Florida

7 months ago

I look forward to receiving any/all comments regarding a new career with AFLAC. Thank you.

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