How to get a job at AFLAC.

This isn't the correct forum to be answering that type of question, but I will anyways, as I have worked for Aflac for a while. Disability (from Aflac) is a payroll-only product. Sole proprietors who work for themselves and have no other employees cannot purchase this type of policy from Aflac.

Aflac has a rule that a company must have at least five employees to offer disabilty. In order to form an Aflac payroll group, at least 3 people must sign up for at least one policy each, but they don't have to be the same type of policy.

Again, this is all stuff that is gone over extensively when a new associate is trained...both at the State Sales School, in the literature, in the Field Sales Guides, or by calling Aflac's Corporate Headquarters.

When you are a one-man-band, and not incorporated, it can be difficult to purchase disability just for yourself. Even Aflac associates cannot purchase the disabilty.

I still think it's a great company, however. At least it has been for me, and the thousands of policyholders that I've signed up over the years...

HappyAflacVet in Providence, Rhode Island said: finally..

I use a computer I purchased from Aflac (containing specialized propriety software) to sell the policies. But for every application I submit, I'm credited back a portion of the monthly charge. Honestly...I've owned over 4 computers and never had to pay one red cent on any of them.

I hate it when I read things like "Aflac is a scam." Nothing could be more FALSE. Last week my 22 year old daughter suffered an injury at work (she has the Aflac Personal Accident Plan)...she spent 4 hours in a hospital ER and had a follow up doctor's appointment the next day. She scanned the paperwork she was given and emailed it to me. I filed it that day. Within 3 days, a check was issued for $155; $120 for the initial visit and $35 for the dr's appointment. She was thrilled. How is that a scam?

One more example, for people still having doubts: Take a look at a program called Maximum Difference. It's an indemnity plan for the care and management of cancer. The only requirement for purchasing it, is that you haven't been treated for any internal cancer in the previous 5 years (so cancer survivors can purchase it; at the SAME rate as anyone else.) Cancer is a DEVASTATINGLY expensive illness; the out-of-pocket costs bankrupt most families. This plan pays cash directly to the policyholder, and children under the age of 26 are covered at NO COST.

I've eye-witnessed how important this plan is to families if cancer strikes. There is no cap on benefits...in fact, the pay-outs often end up being the only money that cancer victim's families have to LIVE ON. The cost? $16.12 per MONTH if you are 35 years old and part of a payroll group. It can also be purchased direct...the cost is only $3 higher per month.

I welcome any questions about my experiences with Aflac. Integrity and honesty are very important to me, and I'm incredibly proud to represent this company.

Can't be any worse than dealing with drunks like I have been doing for 20 years. It wont be the first time somebody has rejected me or been rude to me or called me names. so piss on them and on to the next prospect. Wish me good luck. Just getting started!

Here's a point of view you may not have seen before. I've been a good employee all my life in the field of employee retirement plans. I've never been unemployed, never been fired, never done anything but go up, up, up. Until November of 2011. The national concern that bought out the firm I worked for went on a cost cutting rampage and eliminated all the senior people who had the experience and made a decent living. At not far from 60, I am reinventing myself.
I joined forces with the man who sold us our Aflac insurance in 2009. I did it because I trust him, I like him, he's a gentleman, he gave us impeccable service, and he's been around with Aflac for 8 years and he's not a fly by night person. What I perceive about Aflac so far is this: It's hard work and it's not for the faint of heart. You have to make an investment in insurance licensing, eventually you will want a computer of your own with the Aflac programs, you need business cards, etc. So what? Try and start a business of any other sort and see what it costs.
The most precious thing I have is my time. When I sell my time to a corporation, they tell me where to sit, what to do, where to be, how much I can make, and they demand, today, 50 to 60 hours of my time per week while paying for 40. At age 65, they will give me a retirement party - maybe - and then I am on my own. No residuals. I refuse to do this ever again as long as I live. I'd rather starve than sell my precious life to a machine that is only designed to become rich at my expense and then spit me out.
With Aflac, I am my own boss. Yes, for a time, I need to be very close to my mentor to learn what to do and how to do it. Yes, for a time, I need to share commissions with more senior people who do a job for me that I cannot do alone. But the whole system is geared to get me to be proficient and independent as soon as possible.

You will learn quickly. All employees that loose their jobs get bitter and think this way. Sadly, reality will start to kick in very quickly. I don't think it is a matter of being proficient it's a matter of what people are buying. You will realize very quickly that you will soon starve and long for a permanent job with a steady income. I know of some people that almost lost their house because their income was measley. A couple hundred dollars at best. Not to mention the so called management that will boot you out to get your accounts.

Did it ever occur to you why there are so many people with negative comments on here and elsewhere? The volume is staggering. It can't be that people just don't get it. There is a good reason. You will learn shortly. My advise is to get another job quickly. Don't think for a second that you can stay because you are free. No, no. You will learn. They can still get you out. Your comment here is the rambling of a bitter employee whom they are taking advantage of. When weeks go by and you have no income.... I'm telling you...run....

Bonifaz:

I'm starting my 12th year next Month with Aflac. No one helped me, my daddy isn't rich, and I didn't work with a broker. I got out there, day after day after day, and cold-called my ass off. In between, I talked and networked, and worked every warm lead I could.

It paid off.

I'm not ready to retire, but I make a comfortable income with Aflac. I didn't lose my house; I didnt' make "only a couple hundred." My first year, with Aflac (2011) I made $45,000.00 Decent enought for a first year associate.

Is it an easy job? Absolutely not. It's brutal. I have to deal with constant competition..both other from other agents, and from other supplemental companies. But I deliver outstanding customer services to my accounts, and have formed rock-solid relationships based on that.

This CAN be done. It's not easy, but it IS possible. Don't rain on this guy's parade...this is an entrepreneurial job...90% of folks aren' cut out for it. But you never know who may be. I was a high school chemistry teacher, and I left voluntarily to do this. I just hated every job I ever had and couldn't figure out why, until a guy I was dating told me "you need to work for yourself." And where else can you do that with only the cost of a licensening fee as your capital?

Okay, total honesty: I DID work a part time job for my first year, 'cause I was scared; very scared (I was a single mother). Turned out I didn't need to, but it was there as a cushion. And, it the job was nights and weekends, NOT during the day...because this is a job that demands you give it 8-5, 5 days a week. There are no shortcuts.

Just had to put my 2 cents in. The reason there are so many negatives are because people come into this thinking they are going to get rick quick, or that the work will be as easy as their former 9-5 job. It's neither. It's the hardest thing I've ever done in my life, but I don't regret a minute of it.

Thanks.

First of all, people misinterpret this to be entrepreneurial. It’s not. 100% of the customers belong to AFLAC. It is a grave mistake to think otherwise. Did you know, that whether or not you service your accounts well you can still lose ALL your accounts and your income can go POOF! Yes, it has happened. If you want to work for yourself; build your OWN company. I have more faith in that. AFLAC is too flaky and the regional managers are snakes. Trust me, in my region, for every 100 new agents only 1 would stay past one year. That is psycho recruiting. They prey on people with severance packages to go out and spend their precious gas money to get them accounts they will lose anyway. Don’t you think? Having said that…My first year I made $57k with limited help. I have seen over 100 new agents come and go with the great enthusiasm and hope to make it. They don’t. Maybe two agents made it. Simply put. I don’t advocate and never will this kind of emotional activity and neither should you. Using people and their money is deceit. I have seen with my own two eyes, the trainer, try and convince someone who was shy and scared of cold calling, that they can do this. That’s a shame and a waste of everyone’s time. I left, not because I couldn’t make it – but because the regional manager did some things that got elevated to legal action and corporate (Columbus) involved. That is why I left. This is not a good company. I won the legal battle. What shocked me beyond belief was that they supported and coddled this regional manager without any action of their won. I don’t want to be part of that. This regional manager wanted to hire someone with a criminal background in theft, and when corporate and the licensing place denied him, he got pissed! Again, really? What I have seen in terms of people, #’s are staggering. I have much to say and with good reason. I will never, endorse this plan and any time I can talk someone out of this, I will. Run...