Aflac is a SCAM you pay them to work!

I recently posted my resume with Monster.com. Yesterday I was contacted by an agent with Aflac whom scheduled an interview with me. Curious about this company, I stumbled upon this forum. As a sales professional with 30 years experience under my belt I do have the wisdom and insight to read between the lines. It is not my intention to degrade Aflac, but for anyone considering a position with this company I do have a little advice to offer. Sales is hard work, but can be very gratifying and lucrative. The key here I believe is that Aflac floods the floor so to speak, you do not have a set territory, customers are repeatedly hammered leaving a bad taste in everyone's mouth, a high turnover rate, and a negative atmosphere. Secondly, they do not pay you while you train, which is fundamental to a profitable performance. They offer no compensations what so ever, and in this economy I find that to be vital! Just food for thought.

not a fan in Woodbridge, New Jersey said: Aflac has mostly illegal hiring practices. They lure people in with no industry experience and classify them as 1099 employees. A 1099 employee, by definition, is someone hired as a consultant with specific experience in the position they were contracted to perform. Contracting with individuals who have no experience in insurance and paying them via 1099, instead of traditional payroll, is a violation of tax laws.
It took me over 6 months to get the AFLAC recruitiers to stop calling me with this scam of employment.

Oh yeah! They scammed the hell out of me too!

By the time I realized it, I had made over $90k in my first year! It was horrible! I paid off my student loans and credit cards! And went on a few all-expenses-paid trips with the wife that Aflac sponsored.

I wish scams like these would go away!

BAC in Martinsburg, West Virginia said: I recently posted my resume with Monster.com. Yesterday I was contacted by an agent with Aflac whom scheduled an interview with me. Curious about this company, I stumbled upon this forum. As a sales professional with 30 years experience under my belt I do have the wisdom and insight to read between the lines. It is not my intention to degrade Aflac, but for anyone considering a position with this company I do have a little advice to offer. Sales is hard work, but can be very gratifying and lucrative. The key here I believe is that Aflac floods the floor so to speak, you do not have a set territory, customers are repeatedly hammered leaving a bad taste in everyone's mouth, a high turnover rate, and a negative atmosphere. Secondly, they do not pay you while you train, which is fundamental to a profitable performance. They offer no compensations what so ever, and in this economy I find that to be vital! Just food for thought.

You're so right. I was a rep for Aflac and found all of the above negative comments to be true. I am not a "pushy" person, but did cold call a LOT. 95 to 98% of companies I contacted had been contacted by an Aflac agent within 1 week to a few weeks prior. Some had been contacted for years by a string of Aflac reps. The group that I wrote was a former business contact that trusted me. Unless one has several business owner friends who are willing to sign on you are out of luck. Also, many of the companies I contacted already had Aflac. Another rep got a copy of Aflac clients locally. It was quite thick and I felt like a fool seeing most of the ones I contacted on the list. Many businesses said that they are "sick" of hearing from Aflac reps and felt sympathy for us for believing their 6% mkt penetration. Some make it well, but mostly ones tenured and/or have help from superiors with Aflac such as relatives that are directors.

Mizzou in Kansas City, Missouri said: You're so right. I was a rep for Aflac and found all of the above negative comments to be true. I am not a "pushy" person, but did cold call a LOT. 95 to 98% of companies I contacted had been contacted by an Aflac agent within 1 week to a few weeks prior. Some had been contacted for years by a string of Aflac reps. The group that I wrote was a former business contact that trusted me. Unless one has several business owner friends who are willing to sign on you are out of luck. Also, many of the companies I contacted already had Aflac. Another rep got a copy of Aflac clients locally. It was quite thick and I felt like a fool seeing most of the ones I contacted on the list. Many businesses said that they are "sick" of hearing from Aflac reps and felt sympathy for us for believing their 6% mkt penetration. Some make it well, but mostly ones tenured and/or have help from superiors with Aflac such as relatives that are directors.

Mizzou in Kansas City, Missouri said: You're so right. I was a rep for Aflac and found all of the above negative comments to be true. I am not a "pushy" person, but did cold call a LOT. 95 to 98% of companies I contacted had been contacted by an Aflac agent within 1 week to a few weeks prior. Some had been contacted for years by a string of Aflac reps. The group that I wrote was a former business contact that trusted me. Unless one has several business owner friends who are willing to sign on you are out of luck. Also, many of the companies I contacted already had Aflac. Another rep got a copy of Aflac clients locally. It was quite thick and I felt like a fool seeing most of the ones I contacted on the list. Many businesses said that they are "sick" of hearing from Aflac reps and felt sympathy for us for believing their 6% mkt penetration. Some make it well, but mostly ones tenured and/or have help from superiors with Aflac such as relatives that are directors.

There you go...to make a good living, then be prepared to have all your Aflac ducks
lined up in a row.

Woody, hope you are still with AFLAC. I have gone for 2 interviews and some of the training. Not financially capable of doing it yet. How can you tell if you are in a good office. Some of the folks, quite frankly, do not dress professionally. I would be emabrrassed to go on a sales call with them. Did you have that experience ?

My experience was that the people in my office when I was there did dress professionally. This was emphasized the the RSC. I am no longer there, but wish you the best of success.
My experience included contacting businesses that had been contacted by Aflac numerous times by several reps or that they already had Aflac or a competitor! My one account that I had was from a former business associate that bought from me because of our good relationship. They had resisted the other Aflac reps that had been hounding them. Aflac benefitted from my friendship with the contractor and their employees. I paid more $ than what I gained.

Scott, agree with all of your comments. How much money did you put aside when you started. 6-9 months of expenses ?

Yes, Scott, it was about a year's worth. Without that, I would not have survived. I got out when I saw no results. Also, I was basically told to leave due to lack of production. I was teamed with a district sales rep. He got a % of my sole business which was a good group. He did share a little $ from ones I attended with him. We both cold-called even in rural areas of MO and KS. Some even out there had Aflac. He admitted that when he began conditions were easier. There was not so much saturation with sales reps! Good luck to you.

Jesse V in Mooresville, North Carolina said: Aflac agents have a online login and are able to go into a program that will let you put in exactly how much you want to make a year or monthly. This will show you exactly how many presentations, policys you need to write, and new groups you need to get to achieve this goal. If you start off really slow and are WORKING HARD and showing your DSC that you are trying your best but its just starting really slow, they will bring you into there own accounts. What I mean by this is they will bring you to a business that they already have and let you do enrollment with them and split it with you 50/50. This will help you keep your head above water while your trying to make it on your own. I had this done for me because I proved that I was working hard and needed a little help. They are NOT going to do this for everyone. They explained that to me and how many people took advantage of this money and than quit. They want to know that you are in it for the long run and they will help you trust me. If you can basically sign up a few businesses in your first month than you should make about $2k-3k. Its really up to you. Let me know what area you are in NY and I will see how saturated the area is with agents. Keep it mind that just because there are a ton of agents doesn't mean anything. You may have something that the other agent didn't and they say that it takes on average 6 No's just to get a Yes. You may be the 10th Aflac agent that has gone in to the business but you may get the business. Also, new businesses are opening all the time. You should go to these right away. And if you have a contact at a company you are 10 steps ahead of any other agent.

How is it work for AFLAC going for interview 1 on 1 have a couple others to chose from would like info from someone working it
Tim

Oh Geez,

So I've been unemployed/ underemployed off and on for about 3 years now (I'm a real american). Aflac reps have repeatedly called me that whole time and I've finally given in and taken the pill so to speak. I figure I may as well follow the tunnel till it's conclusion, it's not costing me anything yet. The presentation seemed interesting and I signed up for a second interview and the the "Quick Start" Training, but I'm still skeptical.

I've worked for comission based sales companies before and I know I don't like it. From what I'm reading on here it looks like I'm going to eventually realize that this isn't the job for me, but then again, the office I went into seemed real legit and real sharp (tons of plaques, for all that that's worth). I hear the cautionary tales and I see the folks who are real happy with their careers.

The internet is a magical place, you can always find what you're looking for. If you want to believe that Aflac job are a scam you can find plenty of folks who will confirm that for you, cause no one ever logs on to a forum to talk about how awesome their job is, they're too busy doing their awesome job. The only people that really ever log on to any forum are the ones who are pissed, therefore there will always be more negative than positive.

The bottom line is, it's sales, if you're interviewing for a sales job chances are the person interviewing you is a really good salesman, which means they can't help but "sell" the job to you. Some people enjoy sales and can excel at it, others don't like it and don't do well and therefore feel like it's a scam.

Rest assured, if they tell me I have to "pay them to work" (insurance license or whatever), then I'm out the door, if they tell me I have to cold-call, I'm out the door. Truthfully, I'm only interested in doing customer service, they talked like there were jobs available answering phone calls with questions about policies... that's really all I want to do.

No salary, no benefits (you have to search them out for yourself with their "affiliates" aka making more money for themselves. No designated territory so you compete with everyone, and your deals end up getting closed by higher ups so you don't get the commission. Who would want this job? You would make more money volunteering while you are unemployed and deducting your expenses for that on your taxes. This smells so bad their office should be in a barn.

LandscapeRocker in Baltimore, Maryland said: Oh Geez,

So I've been unemployed/ underemployed off and on for about 3 years now (I'm a real american). Aflac reps have repeatedly called me that whole time and I've finally given in and taken the pill so to speak. I figure I may as well follow the tunnel till it's conclusion, it's not costing me anything yet. The presentation seemed interesting and I signed up for a second interview and the the "Quick Start" Training, but I'm still skeptical.

I've worked for comission based sales companies before and I know I don't like it. From what I'm reading on here it looks like I'm going to eventually realize that this isn't the job for me, but then again, the office I went into seemed real legit and real sharp (tons of plaques, for all that that's worth). I hear the cautionary tales and I see the folks who are real happy with their careers.

The internet is a magical place, you can always find what you're looking for. If you want to believe that Aflac job are a scam you can find plenty of folks who will confirm that for you, cause no one ever logs on to a forum to talk about how awesome their job is, they're too busy doing their awesome job. The only people that really ever log on to any forum are the ones who are pissed, therefore there will always be more negative than positive.

The bottom line is, it's sales, if you're interviewing for a sales job chances are the person interviewing you is a really good salesman, which means they can't help but "sell" the job to you. Some people enjoy sales and can excel at it, others don't like it and don't do well and therefore feel like it's a scam.

Rest assured, if they tell me I have to "pay them to work" (insurance license or whatever), then I'm out the door, if they tell me I have to cold-call, I'm out the door. Truthfully, I'm only interested in doing customer service, they talked like there were jobs available answering phone calls with questions about policies...

Have been trying to reply to Landscape Rocker, but the site is behaving strange?
If you are going to be out the door when told about cost and cold calling, you may as well save yourself some time.
YOU WILL be required to be licensed in your state to sell insurance and this if for Aflac or ANY insurance carrier. This will require a certain amount of class room/on line training before the states will even allow you to take the exams. This will be your investment/cost as it is not a promise your will work for Aflac, so they don't cover this. You could easily go to work for the competetion.
There are those who wait for the phone to ring with people calling about policies as you are looking for - but they generally starve. You will have to cold-call or have contacts, warm leads that you can approach. It is highly competetive and I do feel Aflac places too many in the field and it muddies the water and bitter pills are in some locations mouths.
It is a great product and many make a great living, but most of those senior agents will admit that it is much tougher now than when they began because of oversaturation and competetion. Once established with a good book of business it works. Getting there is tough.
You will be an independent contractor, so no benefits or guarantees. Be cautious of those interviewers as they too are independents - so not all are the most ethical of groups - some Are! You need to use your judgement to make certain you would be working with a great team but from your closing paragraph - I don't see this as the work your looking for.
Good luck.

golittleperson in Benson, North Carolina said:

"Golittle person"has it right.

so glad to hear all...i got 1 week into training and then done. they suck

john henr in Beaufort, North Carolina said: I was called by an AFLAC admin who said They wanted to talk with me about a sales coord. job. I asked her what was this and all I got was, it deals with insurance and they would tell me more at the interview. Can someone tell me more about this position

I got called in santa monica told they found me a great fit from career builder resume. Aflac is great but sales is crap..the way they do sales is like glengarry glen ross...lousy leads right out of the phone book, cold calling... everyone HATES a salesman but you got to be cut throat...you can make money but only if you are a I don't care lie like a dog salesman...the district that hires you only wants money and they make it if you make it but it isn't easy like they tell you. It's just sales.

dolore in Los Angeles, California said: so glad to hear all...i got 1 week into training and then done. they suck

ONE week?! One whole week!! You gave it a week, 5 days!!! And think that you have a valid, educated opinion worth sharing with other people!

SP in TXD in Dallas, Texas said: ONE week?! One whole week!! You gave it a week, 5 days!!! And think that you have a valid, educated opinion worth sharing with other people!

Yes...yes, dolore in Los Angeles most certainly has the right to share his opinion with other people, it's called the First Amendment.

BAC in Martinsburg, West Virginia said: Yes...yes, dolore in Los Angeles most certainly has the right to share his opinion with other people, it's called the First Amendment.

SP in TXD illustrates the arrogance and condescending attitude rife in aflac.

jkansas in Kansas said: SP in TXD illustrates the arrogance and condescending attitude rife in aflac.

Indeed.

Just a few questions from someone considering employment with Aflac.

In order to receive residual income on customers after the first year do you have to return and have them sign-up again, or is it automatic?

After you have an account with a company, how does it work with their new employees? Can they sign-up when they are hired, or does Aflac have a yearly open enrollment period?

Thanks in advance for any help with these questions.

bigmikenv in Knightsen, California said: Just a few questions from someone considering employment with Aflac.

In order to receive residual income on customers after the first year do you have to return and have them sign-up again, or is it automatic?

After you have an account with a company, how does it work with their new employees? Can they sign-up when they are hired, or does Aflac have a yearly open enrollment period?

Thanks in advance for any help with these questions.

Yes you do. It's called servicing the account. But it is not something that you do yearly. My accounts I visit at least once every three months and call at least once a month to make sure they are still and pleased with the policies. This keeps them happy and the account on the books.

As far as new employees, when you service the account they can be added at anytime. There is no open enrollment period with Aflac.

Hope this helps.

bigmikenv in Knightsen, California said: Just a few questions from someone considering employment with Aflac.

In order to receive residual income on customers after the first year do you have to return and have them sign-up again, or is it automatic?

After you have an account with a company, how does it work with their new employees? Can they sign-up when they are hired, or does Aflac have a yearly open enrollment period?

Thanks in advance for any help with these questions.

Just wanted to reply also as I noticed you have some inaccurate info in another. You need to service the account, assist with claims and the like to maintain the relationship depending upon the account policies - I like to visit quarterly. Some accounts will not allow this and are annual only, unless they call me. New employees are to be enrolled based upon the account = not when they want or you want. If the account is pre-taxing benefits you must make certain you are compliant with IRS regualations and the account will have specific guidelines for when an employee can enroll. I have some that are after 60 or 90 days and a few that only allow yearly enrollments. Now, dealing with small businesses with out pre-tax benefit utilization the rules are a bit more relaxed. Make certain you take all the training Aflac will offer - these issues will be found in your flex classes.
Residual income is after the first year of the policy and most will renew automatically unless the person cancels. Again those under pre-tax are limited as to when they can make a change. With only a few legal exceptions most are anually. This is open enrollment.
It's an awsome product - learn all you can and do the best by your clients. Good Luck.

I am still a rookie at working with AFLAC. Only been with them 3-4 months. For anybody out the thinking about going to work for them PLEASE PLEASE PLEASE understand the nothing will be given to you but training and support. You have to get up and go out and work your tail off for the money. There are no leads or hand outs. I understood that from day one. I was skeptical at first but after closing my first group I, bought in completely. I will be tough your first year unless you have friends or family members that you can call on and get referrals from....AFLAC WILL NOT GIVE THEM TO YOU!!!!!

Also, you have have to pay for your state exam which goes to the state. Pre-licensing class which goes to who teaches the class. In Tennessee I had to pay for fingerprinting which goes to the company that handles that. Not one dime goes to AFLAC. Total of about $300 which I consider it an investment into my business. After I closed my first account I was paid $1,100 in upfront commission. Worth it if you ask me.

I guess what i am trying to say is that if you are willing to work hard, deal with the good/bad/and ugly of the business and are not looking for a hand out, AFLAC may be a good fit. Most people who aren't successful either didn't put the time and effort in or just decided that what we do was not for them. Nothing wrong with that. Do what makes you happy. Trust you judgement. There is a risk that you will not make money off the back and it may be a little slow before the money starts to roll in. For me the ability to make my own schedule, balance family/work life, see rewards for my hard work, not be stuck in a cubicle all day, the chance to help people in time of need, etc etc etc is the reason I decided to give it a chance and I quite frankly cannot see myself doing anything else.

Good luck everyone

jcm in New York, New York said: what kind of realistic earnings can one see in 1 year? and when do you get the first pay check?

You can gross probably around $30k in NYC currently, after taxes, net probably $21k.

bigmikenv in Knightsen, California said: Just a few questions from someone considering employment with Aflac.

In order to receive residual income on customers after the first year do you have to return and have them sign-up again, or is it automatic?

After you have an account with a company, how does it work with their new employees? Can they sign-up when they are hired, or does Aflac have a yearly open enrollment period?

Thanks in advance for any help with these questions.

Renewals are automatic as long as the policies are continued to be paid. Open enrollment only happens if your group set up a Sect 125 or decides to offer Aflac in conjuction with their open enrollment for all group products. When you set up an account, you should ask the employer, if they have a waiting period or eligibility set up for new hires on all benefits, if so, then you will meet the new employees according to the employer's decision.

bigmikenv in Knightsen, California said: Just a few questions from someone considering employment with Aflac.

In order to receive residual income on customers after the first year do you have to return and have them sign-up again, or is it automatic?

After you have an account with a company, how does it work with their new employees? Can they sign-up when they are hired, or does Aflac have a yearly open enrollment period?

Thanks in advance for any help with these questions.

No, it's 10 years for full vesting, 5 years-75%, and less than that is 50%. I know this because they terminated me without cause a few months prior to my 5th year!

SP in TXD in Dallas, Texas said: ONE week?! One whole week!! You gave it a week, 5 days!!! And think that you have a valid, educated opinion worth sharing with other people!

Dolore, you're one of the few lucky ones.

CWP in Manasquan, New Jersey said: Everytime I post on Monster or Careerbuilder I get a prerecorded call from some knucklehead at AFLAC. This company must be desperate for sales people and new accounts.

Mainly that's Aflac's business model. Throw everything against the wall and see if it sticks.

jazzygirl in Greensboro, North Carolina said: I have just recently resigned from Aflac after a 5 year struggle to make that career work for me. Within the first 3 months of my career I had a State Sales Coordinator that went outside the company and tried to sue me. Yes, sue me and I was an associate that didn't have a clue. When I was contracted with Aflac, I didn't know about teams! Teams?!? Really?! Yes, really. He was eventually fired and then I moved to a differet area.

The move was the best thing we did with our Aflac careers, however, good things only last so long. If you find a strong State Sales Coordinator that is a truly good leader, motivating, hands-on, then LEARN ALL YOU CAN while you can because typically, their conracts are only 2-3 years at at time.

Nepotism is rampid in this company. Rampid. Can't get away from it. Aflac professes to be the most ethical company in the world yet I was personally harrassed by an SSC and Aflac wrote me a letter and said, "NO, you weren't." K. Three months later, ANOTHER female from the same territry has the SAME problem with the SAME SSC and guess what? She picked up and moved her FAMILY to get away from him and he is STILL in his position harrassing women. GO AFLAC with your ethics!

Not to mention, did Aflac not lost a TON in Japan??? And what about the investments in Europe? I have never seen them deny claims like they are now. One of my favorite mentors is Dave Ramsey. I heard him on the radio 2 days ago WARNING people about supplemental insurance and TODAY'S economy. It was pretty frightening to have a public figure preaching people to drop what you have and fly not run from it.

I'm so glad I am getting out of the business. 5 years, a few of them good but most tumultuos and just ??? Nonetheless, I was blessed with some awesome mentors and learned a lot about good leadership and servantude. Good luck to the newbies. There can be success in it, but it will not be roses.

Same in NY

Glenn in New York, New York said: I don't have any contacts here in NYC honestly. I only know about 2 people in NYC total, to be honest with you. So is the not having any contacts part going to be a huge issue?

Glenn, you're better off working at a brokerage firm to start off.

Things to know about being an Agent for Aflac... You will not have a flexible schedule until your pay begins coming in consistently. If you want the lifestyle, you will have to build it. Some of the less sexy parts of the building process are:

Be prepared to support yourself for several months until you are earning well. Plan for unlimited local calls, gas and auto maintenance, your business cards and other miscellaneous (branded?) purchases, meals (eat right), grooming and dry cleaning costs (wash & wear with a tie at the office is fine, you don't have to wear suits until you are with the client).

Be positive, avoid negatives. Believe in you and in the product. Aflac has a good product and it has competition.

Set a schedule that includes all that you have to do and some of what you want to do. Live by it. Do not change it unless it is a must.

STUDY but get your E&O insurance. It is important to learn your industry, your products, sales and how to sell your product.
Be on the phone with clean leads. Who cares where they come from -- work them.

Advertise; tell people what you do everywhere you go. The sooner you can ask businesses you deal with to hear your presentation AND for referrals, the better. Learn how/when to approach them first. Do not be afraid to say that you patronize them now you need their help. Be fearless, but not stupid. Training will teach you when the time is right but let them know what you do as soon as you start your new role.

Ultimately, you are the only one who is responsible for your success. Be proud of what you accomplish. OTHERS WILL SUPPORT YOUR SUCCESS BUT THEY ARE NOT TO BLAME FOR THE LACK OF IT. Have an attitude of gratitude.

Know that work has to be done before you get the yield. Decide to do the work and you can live nicely with your choice.

GetGo in Itasca, Illinois said: Things to know about being an Agent for Aflac... You will not have a flexible schedule until your pay begins coming in consistently. If you want the lifestyle, you will have to build it. Some of the less sexy parts of the building process are:

Be prepared to support yourself for several months until you are earning well. Plan for unlimited local calls, gas and auto maintenance, your business cards and other miscellaneous (branded?) purchases, meals (eat right), grooming and dry cleaning costs (wash & wear with a tie at the office is fine, you don't have to wear suits until you are with the client).

Be positive, avoid negatives. Believe in you and in the product. Aflac has a good product and it has competition.

Set a schedule that includes all that you have to do and some of what you want to do. Live by it. Do not change it unless it is a must.

STUDY but get your E&O insurance. It is important to learn your industry, your products, sales and how to sell your product.
Be on the phone with clean leads. Who cares where they come from -- work them.

Advertise; tell people what you do everywhere you go. The sooner you can ask businesses you deal with to hear your presentation AND for referrals, the better. Learn how/when to approach them first. Do not be afraid to say that you patronize them now you need their help. Be fearless, but not stupid. Training will teach you when the time is right but let them know what you do as soon as you start your new role.

Ultimately, you are the only one who is responsible for your success. Be proud of what you accomplish. OTHERS WILL SUPPORT YOUR SUCCESS BUT THEY ARE NOT TO BLAME FOR THE LACK OF IT. Have an attitude of gratitude.

Know that work has to be done before you get the yield. Decide to do the work and you can live nicely with your choice.

Excellent advice no matter what you do as a self employed individual.

This is to all of the negative reviews. It all depends on you as to your level of success. This is with aflac or any other job. I see a lot of views that say their manager is a scammer or they arent making money. I am still going threw the license process. I have been to two trainings and have seen facts to the success. My distict manager is 6 years in and VERY sucessful. Of coarse you have to work hard but this may not be for you. The most important fact is your performance. You have to know what you are talking about.

Glenn in New York, New York said: I don't have any contacts here in NYC honestly. I only know about 2 people in NYC total, to be honest with you. So is the not having any contacts part going to be a huge issue?

You have to make contacts. Get up in the mornings with a plan. Where to go, who to call, and referals. You can do it

If you're considering joining, the same comments made 5 years ago are still applicable.
* Very, very few people make it long term being associates with this company.
* The most successful also tend to come in with many business contacts. I was witness to this. I had relocated recently from out of state and this was unfortunately the only people offering something inside of 3 months time.
* Your State, Regional and District Coordinators are liars. They are not employees of Aflac, merely 1099 contractors just as you will be. Check their credentials out before you sign up. I made the mistake of going with a lady who barely had a GED and someone who barely had a college degree. Note: I spent a fortune retaining a Grade A education, I sort of expect to be around similar coworkers. I found myself working with people who were far from professionals. I realized within 2 weeks that I had made a dreadful mistake. My District consistently showed up late to meetings that were scheduled. I wondered constantly how she was a superstar. Answer: She was liked. My regional was a even moreso.
* I didn't realize that I had signed up to start my own business until the week of training, I thought I was performing a job. I've owned my own businesses before, that implies you keep the revenues and allocate costs. In this situation, they were trying to convince me that my commissions were my revenues and my costs were enormous in comparison.
* The aforementioned training - it's garbage. I had some laughs, I met some all-stars, I learned almost nothing about the product which is what salespeople are supposed to know. I also paid for this week. I think I could have donated the 125 bucks to a women's shelter and learned more and felt better about the use of the money.
* They dangle the trips, awards, and prizes. I fell for it, thinking nobody did this still. These "free" trips are part of your compensation, and the prizes go straight to your 1099.

Zerohour in Useless, Texas said: If you're considering joining, the same comments made 5 years ago are still applicable.
* Very, very few people make it long term being associates with this company.
* The most successful also tend to come in with many business contacts. I was witness to this. I had relocated recently from out of state and this was unfortunately the only people offering something inside of 3 months time.
* Your State, Regional and District Coordinators are liars. They are not employees of Aflac, merely 1099 contractors just as you will be. Check their credentials out before you sign up. I made the mistake of going with a lady who barely had a GED and someone who barely had a college degree. Note: I spent a fortune retaining a Grade A education, I sort of expect to be around similar coworkers. I found myself working with people who were far from professionals. I realized within 2 weeks that I had made a dreadful mistake. My District consistently showed up late to meetings that were scheduled. I wondered constantly how she was a superstar. Answer: She was liked. My regional was a even moreso.
* I didn't realize that I had signed up to start my own business until the week of training, I thought I was performing a job. I've owned my own businesses before, that implies you keep the revenues and allocate costs. In this situation, they were trying to convince me that my commissions were my revenues and my costs were enormous in comparison.
* The aforementioned training - it's garbage. I had some laughs, I met some all-stars, I learned almost nothing about the product which is what salespeople are supposed to know. I also paid for this week. I think I could have donated the 125 bucks to a women's shelter and learned more and felt better about the use of the money.
* They dangle the trips, awards, and prizes...
Nailed it!

AIL Rep in Cranberry Twp, Pennsylvania said: So I dont work for AFLAC, but I am employed with AIL. My fiance is a Benefits Rep for them. They have the same bad rap as AFLAC. People dont realize that when you work these insurance companies, you own your own company. That means you take on your own expenses also. The good thing about AIL is that they provide you with leads of people that have solicited the company for information. But you have to realize, the COMPANY pays for that information distribution to the reps. The company takes on alot of expenses to help keep people on.

As for these companies being scams, thats only said by people who dont want to work hard. My fiance LOVES working there even though there are some weeks where he wont sell anything, meaning he doesn't get a paycheck the next week. Thats just something that comes with the job. But, because he works hard and continously tries to keep updated and educated on the insurance world, he's doing alot better, and actually just got promoted to a Supervising Agent. He puts in anywhere from 60 to 80 hours a week, which, for me sucks, but I support him.

Insurance Sales Jobs are a very lucrative job if your dedicated. If your just looking for a job you can be lazy and commit time fraud, well then, this is not for you. :P

Was wondering how you are liking AIL, they offered me a job today and I am taking the weekend to think about it...

Who wrote this crap? — "Is AFLAC A Scam! Better Read This Before You Agree To An Interview!" sourceblogger.com/is-aflac-a-scam-better-read-this-before-you-agree-to-an-interview/

I am sorry you had a bad experience with your DSC, RSC etc. I completely agree that there are politics involved, but please do not generalize. I personally know DSCs and RSCs that personally care for their people and have offered them opportunities they could only dream of. I know DSCs who refuse to take any production from agents they bring into new accounts, even though the DSC is the one that found and closed the accounts. That being said, every single one of those people put in the work and invested in their future. This is not an easy job, but can be very rewarding if done the right way. So, if you are joining AFLAC, your manager can indeed make all the difference in the world. There will always be bad stories--this is an organization operated by people. However, those people are accountable, and where scare stories exist, there will be change coming. good day