Aflac Reviews

Updated August 19, 2014
Updated August 19, 2014
667 Reviews

3.1
667 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
Aflac Chairman and CEO Dan Amos
Dan Amos
382 Ratings

Review Highlights

Pros
  • You can set your own hours, work from virtually anywhere, and there is unlimited income potential (in 20 reviews)

  • Management is very engaged with making sure that employees maintain a good work-life balance (in 19 reviews)


Cons
  • No base salary or ramp up funds to help beginners, training is not so great (in 24 reviews)

  • lack of initial support - but it's like any 100% commission job: "you reap what you sow" (in 34 reviews)

More Highlights

178 Employee Reviews Back to all reviews

Sort: Popular Rating Date
  1. 4 people found this helpful  

    Frustrating Work

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Insurance Agent
    Former Employee - Insurance Agent

    I worked at Aflac full-time for less than a year

    Pros

    You make your own schedule and are your own boss.

    Cons

    Commission only. Unless you are an experienced salesperson with many connections, this will be a very frustrating job for you. Cold calling, walking in on businesses that mostly don't want anything to do with you. There is a huge turnover of employees at Aflac. I am also leaving shortly.
    There are no warm leads at all. You go through a database, and with MANY agents working in the same state and calling the same places, this is very frustrating. If you have excellent phone skills and are confident, you can make it work. I am leaving because I got sick and tired of hearing "no" all day, and I made hardly any money.

    Advice to ManagementAdvice

    A base pay would be at least an incentive for people to stay.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  2.  

    Very informative and willing to train.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Sales Associate  in  Los Angeles, CA
    Current Employee - Sales Associate in Los Angeles, CA

    I have been working at Aflac full-time for less than a year

    Pros

    Positive outlook with good product and advancement.

    Cons

    Takes a while to earn good commission.

    Advice to ManagementAdvice

    Please lay out a formal plan for salary and advancement.

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
  3. 1 person found this helpful  

    Commission Based

    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at Aflac

    Pros

    Flexibility to work in office and from home. Nice people and managers are willing to help you succeed. It''s great if you like to work on your own and you are self-motivated.

    Cons

    Too many agents, so a lot of cross-over when cold calling. Heavy turn over. Have to get and pay for licensing prior to starting.

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  5. 2 people found this helpful  

    Sales Associate

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Sales Associate  in  Dallas, TX
    Former Employee - Sales Associate in Dallas, TX

    I worked at Aflac full-time for more than a year

    Pros

    commission is limitless
    free of micromanagement
    flexible schedule
    you are your own boss

    Cons

    cold calling
    prospecting
    hard selling
    no base pay
    commission only
    they will hire anyone

    Advice to ManagementAdvice

    Instead of hiring everyone for the sole purpose of receiving your quarterly bonus, try hiring based on talent and skill. Aflac might not have such high turnover is a base pay was implemented.

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  6. 1 person found this helpful  

    Roller coaster

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Associate  in  Rapid City, SD
    Former Employee - Associate in Rapid City, SD

    I worked at Aflac as a contractor for more than a year

    Pros

    It is your own business, you work as much or little as you want.

    Cons

    It is not as easy as they make it sound.

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
  7.  

    You need another source of income to supplement Aflac income

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Aflac Agent  in  Cleveland, OH
    Current Employee - Aflac Agent in Cleveland, OH

    I have been working at Aflac as a contractor for more than 3 years

    Pros

    Very good products that really help people.

    Cons

    Without good management, new agents will most likely fail before they get to year 2. Being paid commission only is a real hardship for many agents.

    Advice to ManagementAdvice

    None

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
  8. 1 person found this helpful  

    AFLAC is a constantly revolving door of agents...

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Independent Agent  in  Boston, MA
    Current Employee - Independent Agent in Boston, MA

    I have been working at Aflac full-time for more than 3 years

    Pros

    Brand recognition is enormous. Products are excellent.

    Cons

    Too much cold calling to aggravated HR people who are constantly harassed by AFLAC agents because of the constantly revolving door. Management at the top of the pyramid want accounts and they don't care if the agent lasts three days or three years. It's all a numbers game with little concern for the agents.

    Advice to ManagementAdvice

    Change the paradigm! Stop allowing State Offices to hire anyone breathing. Hire and invest in committed, professional, intelligent agents. Leave Columbus and all the sports fanatical men with Southern drawls and pay attention to the rest of the country and the people who are shoveling money to your bottom line. Brokers are not the key to AFLAC survival, agents are!

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  9. 1 person found this helpful  

    Working at Aflac is like being a gold miner, you need the ability to prospect to get your success.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Independent Agent  in  Attleboro, MA
    Current Employee - Independent Agent in Attleboro, MA

    I have been working at Aflac full-time for more than a year

    Pros

    Be your own boss and set your own schedule with help from DSC's. Effort equals results. Once you've landed accounts your compensated within 2 days. If you like the chase, this is a great place to work. Every employer meeting is an opportunity your presentation skills.

    Cons

    Too many agents contacting the same clients everyday. The Aflac process starts by phone calls(120/day), then Employer appointments for permission to make payroll deductions for premiums, then presenting to your actual client the employee. Most employers think they are protecting there employee by refusing to let agents speak with employees when it is usually the exact opposite.

    Advice to ManagementAdvice

    Agent selection process needs to be improved. To many agents last only a few weeks, they don't understand it's a commission based sale with no base pay and that they need basic tools such as a cell phone and computer. I understand the more agents you bring in the more accounts you (Aflac) have the ability to open, but with so many agents making calls to the same potential clients it makes it difficult for a veteran agent.

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  10. 1 person found this helpful  

    Aflac needs to pay attention to its agents

    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Aflac

    Pros

    #1 Supplemental Insurance company in the U.S., and pays claims promptly.

    Cons

    Inconsistent practices; reused lists by other Aflac agents who call on the same businesses, creating a negative backlash of businesses requesting not to be contacted by Aflac; commission-only sales; no benefits; high turnover

    Advice to ManagementAdvice

    Would be beneficial to have an active Agent Relations Dept.

  11.  

    Great company, 100% commission is tough.

    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at Aflac

    Pros

    Flexible schedule. Total autonomy. Not in an office all day. Room for advancement.

    Cons

    All compensation is 100% commission. Very difficult during slow months. You must be able to survive with no income some months.

    Advice to ManagementAdvice

    A base salary would be nice and could help avoid turnover.

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