Aflac is a SCAM you pay them to work!

Some of the comments here are very unfair. And please, don't post in ALL CAPS. It reads as if you are yelling...and it doesn't make you look too stable, either.

Commission-only sales is something that most people aren't cut out for. I happen to be one of the "odd-ducks" (no pun intended!) who really thrive in this type of job. Aflac is NOT a pyramid scheme. True pyramid schemes have hundreds of layers. Aflac does not. There is the associate, the District Sales Coordinator, and the Regional Sales Coordinator. The SSC (state sales coordinator) is involved in budgets, financial forecasting, etc. There is no requirement to recruit others or bring people in. I have had good success as an Aflac associate. I followed the rules; I worked on only small groups in my first 2 years (no more than 50 employees), I networked, and I qualified all my prospects, so that I wasn't calling on existing accounts (your DSC will tell you how to do this.) My first year with Aflac I made $45K. I worked very hard, and I didn't look for reasons to fail. I knew several people who had developed a successful career with them, so I knew that it was possible. After 10 years now, I'm very happily in the six-figures range. It is not easy work; you are dealing the public and people can be brutal. There is also about a 3 year learning curve to this job..anyone who tells you any different is lying. People become Aflac agents, and go looking for a big account so they can get rick quick. It simply doesn't work that way. Why would a large group want a rookie agent, anyways? There is way more to this job than just signing people up. You then have to service your policyholders, assist with claims, inform them of new products, help reconcile invoices, deal with questions. It's a big responsibility, and a rookie agent will soon be over his/her head with a big account. That's why Aflac strongly recommends that new associates work the small group market for at least the first year.

Janis I am so happy you wrote this, the first thing someone will say is oh, they are a scam... just because it didnt work out for them. If we will only realize when we stop blaming others we will find our true happiness.

Great comments. I love when i hear people succeeding with Aflac. It makes what i do even more worth while. Commission only sales also defines one's character. It creates motivation as well as determination. Most people who are afraid of Commission only jobs are not confident in their ability to sell. Good Luck to all you hard working Aflac Associates. I would love to hear success stories from all Aflac Associates...

www.thompsonliss.com

I am glad to finally see a positive thread on this topic. I stopped responding because I was tired of reading people blame Aflac when either the opportunity wasnt right for them, or they didn't go to work.

I started with Aflac in July of 2004 - I had a small amount of savings, and a side business repairing computers which I did mostly nights and weekends. For my first 2 years I often worked seven days a week from 7am until midnight. Days I prospected, networked, and sold Aflac. Nights and weekends, I prepared for meetings, made lists or ran my computer business.

In January of 2006 I was promoted to District Sales Coordinator. I now make close to six figures, I rarely fix computers, and I am the happiest I have ever been.

Aflac is a great company to represent. It is not an opportunity that is for everyone. It is not a get rich quick scheme - and it is not a pyramid scheme - you need to be promoted based on certain criteria, you need to support your team when you are promoted, and you must write your own business, it is Aflac's way of compensating managers in the field - and its a great way. The better job you do training and supporting Associates the more money they make and you make.

Lets hear from more Aflac Associates and Coordinators.

i recently went to aflac in the columbia/mariottsville area and went to a seminar where someone from the ofice came in and was telling us about aflac and, and it was all positive things he was saying about it.he told us about all the contests where you can win free trips and how you can wins cars and this and that so from there i was like wow.seems all great to me.then that same week i was called back in for an interview.which i though would be a site down interview, in which i would be told of what i would be doing, the persons office i was in his whole wall was covered in placks like awards on how he sold so much of this and that and i was told in the seminar he sold 4 million dollars in like a year.and when he walked in the room he asked me if i had questions and i was like no and he was like well i'll see you tuesday in this city for a aflac seminar,and that i woudl have to go online and pay 85 dollars to study for this test which takes for 15 to 21 hours.now my question is do i go any further with pursuing this job or do i stop right now and find a job that has a steady sallery-im going to tell you right now a liitle about myself so you can say yes or no im 32 no income what so ever i live off my parents no credit cards as of now no car i was in a accident and no job as of now. so what do you think

ACM_drama in Philadelphia, Pennsylvania said: Aflac is definitely not a scam, and I am saying this as a non-employee perspective (actually I haven't started yet). I understand everyone's comments and complaints. My experience so far, as I am in the process of getting ready to start my career with Aflac, I did have to pay $300 (actually a little less) for my insurance license. However, Aflac reimburses you with more than what you spend on it once you pass. Also, that has changed briefly and now I do not have to pay anything to receive my license, Aflac has paid all fees.

It is a great opportunity to work with AFLAC. But it has everything to do with personality and preference. Everyone isn't fit for the task. Therefore, if you have any problems with the responsibilities, then it is not for you. So move on and grab an opportunity that fits you.

aflac is a scam

woodfire in Elkridge, Maryland said: aflac is a scam

Woodfire, If you really want to start your career with Aflac off with a bang, Please check out my program. We have an appointment setting service unlike any other. If you are not sure, wait until after you start telemarketing and banging on doors so you can see the value of our program. We do a lot more than just set appointments. We manage your calendar and more. Our website gives detailed information regarding our services. I also give telemarketing support and training at no cost to Aflac representatives regardless if you use our system. Good Luck with your new career

Dave
www.thompsonliss.com
800-972-1274

Hi, my wife has been offered a position as AFLAC Representative here in Western Kentucky (she already passed all interviews and has to make a decision whether to accept or not).

After reading all the entries in this forum, I concluded that ones success or failure in that profession heavily depends on the team and atmosphere your regional and district manager(s) is/are providing to you. Of course, ones personal determination and drive is equally important, but if your manager do not want you to succeed, you will fail no matter what.

So, does anybody here know anything about the regional and district manager(s) in Western Kentucky and how saturated the market is. Since our area is rural with a lot of small cities and towns and not many big companies, I would assume that the market is a little bit more open than it would be in a big city, but I might be wrong. Any input is greatly appreciated!

r u quitting?

Woodfire: How is Aflac "a scam?" They have billions--not millions, but BILLIONS of policyholders. They have been in business over fifty years. They are listed on the NY Stock Exchange, which has stringent standards. And they have never once been censured or fined by the SEC.

I'm willing to bet you tried at Aflac and failed, so now you are retaliating by calling it a scam. You are wrong. I am not being paid to write these comments either; I'm a 100% commission based associate. It is very hard work and most people can't stomach it. There is no shame or crime in that---commission based sales is a quirky, odd way of making money. The majority of people don't like it; can't handle the rejection, or give up too easily.

Don't blame your manager, or the state you live in, or your training. If you want to sell Aflac, put on your shoes and your best suit, and get out there and start talking to people. Otherwise, stop posting false comments.

atlased in Tampa, Florida said: most saturation is a smokescreen. A lot of Agents just aren't working. Just re-read some of these comments for proof of that. There is business out there. It just takes time, work and a little forethought.

I was at the Double Tree Hotel Job Fair on the 22nd Aug, and am very seriously considering linking up w/AFLAC. First interview Fri. Question. Is the market saturated in Tampa? Be well.

MICHAEL, there is no such a thing as market saturation in relation to success with Aflac or any other Service Type Business. Market Saturation is used by people who need an excuse to not work hard or even harder at something to become successful. " i cant make any money because the market is saturated" b.s. Just work harder, smarter and then do it all again. GO WITH THE DUCK......If your willing to work hard and make yourself a business and career...

dave liss

makeyoumoney in Wentzville, Missouri said: MICHAEL, there is no such a thing as market saturation in relation to success with Aflac or any other Service Type Business. Market Saturation is used by people who need an excuse to not work hard or even harder at something to become successful. " i cant make any money because the market is saturated" b.s. Just work harder, smarter and then do it all again. GO WITH THE DUCK......If your willing to work hard and make yourself a business and career...

dave liss

Dave, appreciate the feedback. As a Retired US Army 21yr Senior NCO, hard work is not something I am immune to. I read the posts, and you can tell who the snivelers are. Take care. Mike

Aflac is not a scam...they are my biggest competitor...so if you are considering aflac you should consider Family Heritage. Commissions are higher, better product, plus you are fully vested after 5 years vs. 10 with aflac. Privately held company. website is: www.familyheritagelife.com Email me for specifics. rgoogins@pbfirm.com

I love YOUR post!! You're and your mishaps have always bugged me.

Michael Manley in Tampa, Florida said: Dave, appreciate the feedback. As a Retired US Army 21yr Senior NCO, hard work is not something I am immune to. I read the posts, and you can tell who the snivelers are. Take care. Mike

Mike, what happened at the Interview?

wow, you have got to be kidding. In our world today to limit yourself by race, sad... I don't think Obama agrees

mike in Kansas City, Missouri said: there are some nice people who work for the duck. unfortunately i ended up working with some unsavory people in kc. some of them even slithered into management.so i left. since i am a minority, i got tired of being treated second class. i am sure you will not understand. i won't have to explain to my brothers and sisters of color.

PLEASE STOP ALREADY, I too am Black and do not use my race as a cop out. Work hard and tough is a moto for any agent of any race. Either you can hack it or not.If not please do not use race as the reason you didn't succeed.

Not trying to take up for anyone here, so please read this with a clear mind.. we should never use anything as an excuse for our failure, god gave us all the ability to do and be anything we want... I think the problem is we focus on how people are and try to change them be it them not liking us for our race, our handicapp or WHATEVER! Start focusing on you, if you fail it is your own creating.

You see when one door closes if you stay positive another one will open.. don't try to change anyone.. even if they are prejudice, let them be they will reap whatever they have sown, we/you may never see it, but it will be done...

WE give them energy by just focusing on that very issue start focusing ONLY on WHAT you want forget what you dont want.. I mean recognize it but dont sit there and focus on IT!

You Feel me?

Sandra Butler
Regional Sales Director

mike in Kansas City, Missouri said: i bet your a white boy.

Again with the racist coments, what is wrong with you ?

I am very amused at these "Run away from Aflac" posts. Im a retired cop with NO sales experience. I started as an independent agent 3 months ago after I hung up the gun. I live in a VERY rural area of Kentucky, and I didnt know a single person here when I relocated after retirement. Ive wrote over $100,000.00 in premium during my first 3 months, and Ive made almost $30,000.00 in that time. My only regret is that I didn't do this 10 years ago.

This business takes a self motivated self starter that is willing to work 9-5 M-F. Take the weekends and holidays off. Enjoy your family life. All you need to do is quack like a duck between 8AM and 5PM. Talk Aflac to EVERYONE you make contact with. Aflac sells itself. They spend a BUNCH of money on advertising, so everyone is familiar with the product. Don't get me wrong, this takes work. However, I've worked far harder for far less money in my lifetime. If you aren't a extrovert and you're not self motivated... this might not be for you. Otherwise, this is a GOLD MIME!

Email me if you are in Kentucky and are interested in Aflac.

andrew_delay@us.aflac.com

Cheers!

You have to pay for the insurance classes and the state test. They promise to reimburse you, but they do not. The district that I worked with put his name on the accounts that I found, and misrepresented aflac policies(implied that they were a substitute for health insurance.) I worked as an agent for one year driving all over the metro cold calling and spending money on gas. When I quit I had to pay over 1,000 in chargebacks. Fortunately, I never bought the $3,000 dollar computer or I would have been well over 4,000 in the hole.

I was never promised reimbursement. If you worked your business for a year, you would know that if you had the group form signed nobody can work that account except you. You should have wrote your gas off as a business expense. $1000.00 in chargebacks means you're doing something wrong. sounds like you had a poor support structure. Hey, all I can say is, Im making a boat load of money. Sorry about your bad luck.... being a business owner is not for everyone.

Couch in London, Kentucky said: I was never promised reimbursement. If you worked your business for a year, you would know that if you had the group form signed nobody can work that account except you. You should have wrote your gas off as a business expense. $1000.00 in chargebacks means you're doing something wrong. sounds like you had a poor support structure. Hey, all I can say is, Im making a boat load of money. Sorry about your bad luck.... being a business owner is not for everyone.

I only worked 2 1/2 months for AFLAC. I did not process the group (shared between my and another new agent), my manager did which makes me suspicious--I never learned enough about the process to understand who owes the chargeback(s).

They waited until the middle of the next year to claim that I owed almost as much as I earned for the 2 1/2 months.

How can I verify who actually owes the chargeback?

My district came with me to write business. I did not have a computer. He had me sign. My name was supposes to be on the accounts. I do not know why so many people canceled their policies after purchasing them. I was paid commission on policies that did not have my name on them because I went along and helped translate. When I went on line to look at accounts I was denied access because my name wasn't on them. You will see charge backs when people cancel their policies because you are paid in advance. I stopped my advance payments but it was too late.
it can't just be my bad luck that every policy that I sold and the policies that I shared with my district were cancelled. People cancel because they don't have enough money, the economy is bad, and they already pay too much for insurance. In addition, they cancel because the policies are expensive for what they actually pay out.

Josehine in Minnesota said: My district came with me to write business. I did not have a computer. He had me sign. My name was supposes to be on the accounts. I do not know why so many people canceled their policies after purchasing them. I was paid commission on policies that did not have my name on them because I went along and helped translate. When I went on line to look at accounts I was denied access because my name wasn't on them. You will see charge backs when people cancel their policies because you are paid in advance. I stopped my advance payments but it was too late.
it can't just be my bad luck that every policy that I sold and the policies that I shared with my district were cancelled. People cancel because they don't have enough money, the economy is bad, and they already pay too much for insurance. In addition, they cancel because the policies are expensive for what they actually pay out.

Is there any way chargebacks can be verified? How about telephoning the customer(s)?

If you still have access to the employee website, you can check on you accounts. You will need your number. I have not been on there in a long time so I don't remember exactly where you will need to look. There is all kinds of information about your accounts. If you do not have access you could request copies of your commission statements from aflac.

It's easy to find out if you have a charge back. 1st Aflac will send you a cancellation notice that is also sent to the policy holder. A smart person would follow up and try to save the business. 2nd, you can look at your weekly and monthly statement.

If you write enough business, you wont have to worry about charge backs because your 1/11ths will more than cover them. If you are getting too many charge backs it's not because of the economy... that's a cop out. It's because you oversold the account. You should not try and sell an employee more than 2 hours of wage a week worth of Aflac. Many people get over excited about the products, then a few Weeks later when they find that they cannot pay their electric bill, will cancel the whole thing vs. just a policy or 2.

Bottom line folks, this IS NOT a job. it's a business. If you approach this as a "job" you WILL FAIL. This is one of the few opportunities where YOU control things. You control how well or crappy things go for you. If you don't work this business 8 FULL hours a day the first few months, then you WILL fail. If you put in 8 hours a day and work your prospects, you best buy a wheel barrow to haul your money to the bank. It's simple, easy to figure out, and not everyone is cut out for this.

J in Cincinnati, Ohio said: two words flim flam, if you want to "work for the" you had better just bring $600 for all the fees and classes and ****. they dont tell you this on the phone but they will not even touch you til you pay.

That is for licensing fees required by each state. To suggest it's a money making scheme is incorrect and irresponsible because the person who wrote this is obviously ignorant about the industry. Without the teaching materials and books, you would have to pay in ky. close to 300.00 payable to the state for a life and health exam.

corp America bs in Riverview, Florida said: AFLAC IS A CROOKED COMPANY! I WORKED THERE, I KNOW!

Care to reply? Awful cowardly to say without any facts.

V in Atlanta,Ga. in Norcross, Georgia said: My son work for Aflac and when he finally landed a big account, $200,000 in commissions and future residuals,his bosses delayed closing the deal for about two weeks.My son pleaded with his regional manager to help him finalize the deal. Another regional manager accidently landed this account in that two week time frame.AFLAC can take thier duck and put it where the sun does not shine. They are a great company

It's your fault you didn't close the deal.

Mario in Tracy, California said: EVER THOUGHT EVER WONDERED

* Where will I be five years from now if I remain in my current position?
* Will I attain the financial security I need (or that my family needs)?
* Do I really enjoy my current occupation and lifestyle?
* Have I ever considered being my own boss?
* Would I like the opportunity to earn a substantial income?

AFLAC HAS THE ANSWERS!

* National TV and print advertising
* An outstanding compensation package where YOU control how much you earn
* Potential annual increases (renewals) of $5,000 $10,000+
* Exciting incentives and a stock bonus plan
* Over 370,000 established payroll accounts nationwide

this is what they put on the job search ad, notice anything?
all it does is ask you if your happy with ur life,
and it doesn't say a thing about the job description itself.. caz they don't want you to know what the job is about!
all their doing is try to fish unhappy losers, brainwash them to be happy and proud by using words like "be your own business" or "your a professional entrepreneur", or "make residual income" "be rich and retire early" "financial security".. etc full of craps.

They cost you the 300$ just so they can get some money out of you.. not to license you, wake up, 90% of ppl who works for these pyramid skeep jobs quits, and company still keeps all the money they pay to join, so who makes the good money? most likely not you..

and people who posts all these great things about the company is 99.9% written by workers. they just want to give out good reputation, not only trying to be proud but also so that people possibly joins you.. and you make the money.

Don't comment on things you don't know nothing about.

Mario in Tracy, California said: I apologize for any possible misunderstanding of the company, but it's just that Ive almost joined a pyramid job before, and the way they describe everything, the way they try to make you join is 'exactly' the same so I thought it was just funny. I will swear to you though that one of my friend introduced me to this one company called E***, it was totally a pyramid job, and the words they use, is just exactly the same..

"own your own business", "residual income", "dress professional" etc.

they use the term "your own business" as an excuse for making you pay for expenses, and call it an "investment".

and I believe they won't provide any aid for selling insurance policy, you just have to randomly search people to buy your policy, it will be hard and they will just say "it's never easy to own your own business", when in fact they just don't give a **.

and one thing.. "owning a business" by yourself is 100 times harder than what they think, there must be a business plan, along with good amount of capital money, and lots of hard work.
the only one that actually owns the business is the very top person of this company.. he came up with all the system structures and everything else to run the company. Im seriously telling you.. the job is not "owning a business" nor "entrepreneurs" job.. they tell u all those crap to make you feel falsely proud.

final decision is yours to make.

When I began I didn't have enough money to buy ice cream, and now I am ranked 5th in my state in production. So yes I own my business,and I didn't pay a dime to Aflac to represent them.

mike in Kansas City, Missouri said: if your white

Race has nothing to do with it.

PDN in Rowlett, Texas said: I was with AFLAC for over a year. My first account (7 people) I signed them up, had an account number. My field trainer then told me to "LEAVE PAPER APPLICATIONS". I called 3 times a week to pick them up. 4 months later I found out that I was requested not to call them back. The account was being serviced by another agent. 3 months later I found out (from another field trainer) I was asked to step away from the account or loose my license. No one told me that leaving paper applications can cost you your license. My field trainer nor my RSC told me this. What they told me was TO LEAVE PAPER APP'S. This nightmare happened 4 times. Then the TGI-Friday's account!!! Only available to people who work 35 hrs a week, only if they have been on board for 90 days. That gave me less than 10 people, less than $100 INCOME. Then the employee turnover rate is over the top, hence they dont pay their premiums, and then YOU OWE AFLAC, because they advance you the commissions.

I am still getting letterse from the legal department of AFLAC threatening to sue me for $600 in advanced commissions.

I was with them for a year, have NOTHING to show for it.

AFLAC SCAM! DON'T EVER GO THERE ! ! ! ! !

It shows something on your part that you weren't willing to wok. How can you expect someone to just sign an app without an Agent? Would you? Can you imagine the fraud that could happen. Sounds like you are pretty naive.

akpitm2 in Georgetown, Kentucky said: I am thinking about going for a second interview with AFLAC. How do you feel about the negatives that have been posted here? What advice can you give to someone who is just beginning. I was told that I will be doing classroom training and then out with my trainer for two days, where I will work some of their accounts and actually make money off those accounts. Did you go through a period where you didn't make money? Can you tell me about how much you made your first year? Whatever advice you can give, I will appreciate it! Thanks.

Start out part-time and work a salaried part time job on weekends or evenings. The negative things on this board are people who didn't make it for whatever reason. Most likely because they didn't put effort into anything. Hope this helps.

"Don't comment on things you don't know nothing about."

That would be Don't comment on things you don't know ANYTHING about" not nothing about.

Josehine in Minnesota said: The Aflac trainers try to keep new recruits in the dark. I don't believe that the people who try aflac are lazy or naive. People are sent out with inadequate training, a very lame script and little understanding of the policies beyond what is in the brochures. New recruits work very hard to find new accounts and then when they quit, the accounts are taken over by their districts.
When we start, we are unable to answer customer questions. I called aflac daily to get information for customers. Often I learned about misleading and incorrect information given to me by my district and State. Aflac phone reps advised me to study the applications, told me where to find information on the site about my commission and the accounts, and how to make sure my district was putting my name on the accounts. All of the phone reps I contacted were very helpful.

It is a pyramid. The districts make money by getting the new recruits to do the leg work. They benefit from keeping you in the dark and taking your accounts.
I spent a lot of time with my district and did not see him having success at employee presentations although he was a "top sales person. " All of the policies that I sold with him and the accounts we opened were cancelled. If you don't believe the economy is a factor than you have your head the sand. We have record unemployment and people are losing their businesses.

There are too many aflac agents out there and most businesses see aflac agents weekly. Many are negative about their experiences with aflac agents and billing.

That's funny, my trainer (DSC) hasn't kept me in the dark. At least here in Kentucky East, our recruits aren't sent out without adequate training. We spend a week at sales school, and 2 or 3 weeks with the DSC in the field. During that time, I thought it was a good idea to train myself at home about the policies in the evening. My own business = I do what I must to succeed.

Talk to the phone reps. They are not shy about the training new recruits receive. We spent the majority of the time on scripts. Out in the field we don't even have access to the prices. This is a waste of time. There are only three people contributing to this conversation and you are just blaming the new recruits for being lazy, inept and/or naive. The Dist. and State's have very little respect for the new recruits.

Josehine in Minnesota said: Talk to the phone reps. They are not shy about the training new recruits receive. We spent the majority of the time on scripts. Out in the field we don't even have access to the prices. This is a waste of time. There are only three people contributing to this conversation and you are just blaming the new recruits for being lazy, inept and/or naive. The Dist. and State's have very little respect for the new recruits.

Speak for your own state. We have great, caring and supportive DSCs and RSCs. Our state trainer couldn't be any more awesome and we here in CT are not left to the wolves. In fact, my DSC won't leave me alone and has gone out in the field with me. She has also closed business and given me 100% of the commission.

I think you might need to let it go and realize that you were not necessarily cut out for this type of business. It seems that you are quick to blame others and call Aflac a pyramid when you don't have a good grasp on business in general. Most of the business world works on margins and this is another example of such. If you put it in terms of the Manufacturer, Distributor, Wholesaler and Retailer chain, you will see that, based on your logic, everything is a "pyramid". That's how business works. Everyone gets their cut.

I am sorry your state was so awful, but like most things in life, this is all what you make of it. It's easy to blame everyone else but it's not easy to get out there and work your butt off. And trust me, I've had to work VERY hard.

Basically, Those with the defeatist attitudes are the ones who didn't make it. Blame it on everything but themselves. Maybe you just aren't cut out for this. Maybe it's not your cup of tea. For many of us it is the opportunity of a lifetime. I'm making more money than I've ever made in my life, and I just retired from a non sales related 60G a year career.

If you come into this from the perspective of owning your own business, are outgoing, self motivated, have a good work ethic, and want to make the money that you are worth, this is for you. However, if you are an introvert, think this is a "job", can't get yourself out of bed in the morning, and aren't willing to give this what a new business takes, look elsewhere because this isn't for you. Where else can I start a business and get a free business coach (My DSC)? Where else can I start a new business for less than $500.00 and have an instant return? Where else can I start a business where 50 - 100 Million a year is pumped into promoting it? Heck, next year Aflac will spend 28 million on putting my company's name on a Sprint Cup car. Free promotional items and administrative brochures too? THANKS! I can write it all off and tell the IRS to shove it next year? THANKS! I could go on and on and on....... Now, go find a nice hourly job where the boss dictates when you work, can eat, and when you can take a day off. You will feel "secure" Im sure. I will feel far more secure knowing that I am the boss, set my own schedule, days off and write my own paycheck. Success is even more sweet knowing that I made it happen!!

I interviewed with Aflac in July and explained that I wouldn't be able to do anything until September. The interviewer said, "no problem, I will hold a position for you until the end of September. Do you think you can get your classes and licening done by then? I replied, yes. He wrote on a paper..."end of September" and I signed it. The more information I gained through the classes I attended, I wondered if Aflac was the right choice for me. Their products compared to what is available seem to be limited and although I come from a different industry I am concerned I will not be able to make the 6 figure income I'm used to with this company. Not for lack of trying because I have a proven sales ability and have been a top seller with every sales job I've ever had. I'm just concerned that the potential may not be there. I haven't even taken my test yet. It's in 2 days but I am concerned about the paper I signed at the interview. Now that I have a little more knowledge, in looking at the paper I signed at my interview it says,"Agent Commitment" and uses the term "sponsored", in relationship to my license. I think they are going to want me to sign a closed contract that commits me to work for them and only them for a designated period of time. If I don't want to sign a closed contract, are they going to claim some commitment on my license and prevent me from going to work for another company? Please, I would soooo appreciate any reply from anybody who has some insight on my concerns. I only have a few days before I have to address this with Aflac. Thanks

Aflac agents are not "captive" agents. You can contract with other insurers and become a broker. Disregard the paper you signed, you can walk away from this anytime you want.

Monake in Austin, Texas said: I have a company that you can start working with for only $25 to start your business, and you can make a six and seven figure income with them.

Sandra Butler
Regional Sales Director

Please tell me about your business opportunity. Thenks -Thelma (tmars08@verison.net)

You know what's strange. I posted a question on this forum about my concerns for the amount of money I could make with Aflac. After reading all the good stuff and the bad stuff I decided that I wanted to commit to Aflac. Since then, I passed my Agents test and actually the Regional Mgr called me during the test and left me a message about where I was in the process I left several messages and he does not return my calls! What's up with that? I spent all the money and the time to complete what he said I needed to do to sell Aflac, now he won't even return my calls! I'm wondering,did he read my question on this forum and think I wasn't commited to Aflac? Or.....Does he know that I can't make the money that I need to make with him? All I need is $10,000 ish a month. This is a sacrifice for me. I am used to earning in excess of 18,000 a month. And if the market is there, I will continue to make that,. plus. I have a proven sales ability and if the Ontario office doesn't want me, I am licensed and ready to go, within 30 miles of Ontario, CA. You can reach me at tmars08@verizon.net

$18G a month out the door is ridiculous. Don't bother him anymore, your either full of crap, or you need to find work elsewhere.

Full of crap? He/she sounds like an Aflac agent.

Josehine in Minnesota said: Full of crap? He/she sounds like an Aflac agent.

Your bitterness and negativity are quite the insight into your failure with Aflac. Cheer up, move on and get over it!!

For those of you who are reading this and wondering if you should take the chance with Aflac, DON'T do it if you are anything like this person. You will not succeed if you blame everything on everyone else and if you hold onto negativity. You must be self-sufficient, responsible, and accountable along with a desire to HELP people. To post such negativity on this board, this person clearly is out for him/herself and gaining pity for mistakes made.

If you plan on selling, also plan on SERVICING the accounts. Make sure YOUR writing number is being put on the transmittals and be accountable for your own actions. Aflac gives you more resources than you can use, atleast in CT, and a ton of training material and opportunity - IF you are willing to take the time to do it!! That's the key. Good luck to all of you.

I replied to this site to share my experience with aflac. I quit aflac after a year, but I stopped working after six months because I couldn't continue in good conscience due to the dishonest business practices I observed. It seems that some of the agents on this site fit the old "Thou dost protest too much" saying. You throw around platitudes such as "not your cup of tea," "you're not cut out for it," you're blaming everyone else," 'you need to move on" instead of addressing the real issues that I raise. It all sounds as scripted as the recruitment pitches.

I suspect that you are not making a "boat load" of money, or you wouldn't be spending so much time on this site.

Josehine in Minnesota said: I replied to this site to share my experience with aflac. I quit aflac after a year, but I stopped working after six months because I couldn't continue in good conscience due to the dishonest business practices I observed. It seems that some of the agents on this site fit the old "Thou dost protest too much" saying. You throw around platitudes such as "not your cup of tea," "you're not cut out for it," you're blaming everyone else," 'you need to move on" instead of addressing the real issues that I raise. It all sounds as scripted as the recruitment pitches.

You are quite fI suspect that you are not making a "boat load" of money, or you wouldn't be spending so much time on this site.

Apparently, your version of replying to this site to share your experience includes bashing others and focusing on the negativity...consistently.

First of all, your suspicion of how much money I am making is comical at the least. I am very comfortable and I don't know what a "boat load" of money is to you, nor do I need to justify it to you. I simply want to provide a clear sense of the situation to the folks in my state and put it out there that this opportunity is what you MAKE OF IT, just as everything else in life.

Secondly, I am not "spending so much time on this site". Not sure if you are clear on emails, but I set it so i get one each time a posting happens because I like laugh when you post and see what others are saying in general. This site helped me make a decision and should help others. So, in total, my first post took approx 2 mins and I went back to work. This one will have taken about 2 min when I am done with it. Wow, that's a whole 4 minutes today that I've spent on your nonsense and that's all I will spend in the future. It's worth it to help others make sense of your complaining.

I know you have a bad taste in your mouth...we all get that - but seriously, move on and good luck in whatever you are working on