Aflac Reviews

Updated October 12, 2014
Updated October 12, 2014
701 Reviews
3.1
701 Reviews
Rating Trends

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

Review Highlights

Pros
  • set your own hours, unlimited income potential (in 21 reviews)

  • Management is very engaged with making sure that employees maintain a good work-life balance (in 20 reviews)


Cons
  • No benefits, no base salary, the bosses will lie about everything (in 29 reviews)

  • lack of initial support - but it's like any 100% commission job: "you reap what you sow" (in 37 reviews)

More Highlights

190 Employee Reviews Back to all reviews

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  1. 3 people found this helpful  

    I worked as an independent insurance agent with the company and it wasn't what I expected.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Former Employee - Insurance Agent in Santa Ana, CA
    Former Employee - Insurance Agent in Santa Ana, CA

    I worked at Aflac full-time (less than an year)

    Pros

    -Flexible work hours
    -Get to know the higher-ups, depending on how close you are to the regional/state office
    -Frequent morale boosting talks to help you get over the feeling of not making sales
    -Good products to sell
    -You get paid according to your performance, which for some, means getting paid more than a typical salaried worker

    Cons

    -I was sort of just sitting around for most of my first week. The people I was supposed to be shadowing weren't available. They didn't even suggest what I could do during that downtime.
    -Office culture. Varying ages of employees. People being incredibly vulgar and inappropriate, although that may have just been my office.
    -I was lied to during the informational and interview process. The person hiring me said that almost none of my time would be spent sitting and calling people, probably because I told them that I enjoy meeting people face-to-face. The opposite occurred though. A large amount of my time (~60-70%) was used cold-calling business owners. Some upfront honesty would have been good.
    -No discounts or free health coverage. You have to pay the same amount for the plans as any other person you sell to.
    -100%, which is difficult for a number of people in the first few weeks/months, as they have little to no income

    Advice to ManagementAdvice

    Your regional and district sales coordinators get bonuses for hiring more people. This incentivizes them to be dishonest with candidates (granted, this likely doesn't apply to everyone). I spent quite a bit of time, effort, and my own money getting this job and the subsequent insurance license. These are all resources that I could have directed toward seeking a job somewhere else. If you're really that set on hiring people, at least pay for their insurance courses/test. And for heaven's sake, be honest with them. Dishonesty is one of the reasons why the turnover rate amongst agents is so high.

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  2.  

    Agent

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Insurance Sales Agent in New York, NY
    Former Employee - Insurance Sales Agent in New York, NY

    I worked at Aflac as an intern (less than an year)

    Pros

    Very rewarding if you are able to build a clientele

    Cons

    Very challenging job initially, but once you able to build a clientele base, you are good to go for the long haul

    Advice to ManagementAdvice

    I think they have a good corporate structure

    Recommends
    Positive Outlook
    No opinion of CEO
  3.  

    It's okay but not for everyone

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

    I have been working at Aflac full-time

    Pros

    Good training, very ethical company. They seem to care about their customers.

    Cons

    Commission only. LOTS of cold calling. LOTS of driving around town. You have to get through the "gatekeeper" to the owner just to make an appointment. Then you have to sell the owner before even getting to see the employees. It is only if they decide to buy that you get paid. Can be a long process, especially when you are still paying for gas and don't have any income! :(

    Advice to ManagementAdvice

    Offer a base salary to get new agents going. My guess is that many quit because they can't hold on long enough to make it with no money. That will probably happen to me I'm afraid.

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
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  5.  

    good team, hard work

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

    I have been working at Aflac full-time (more than an year)

    Pros

    surrounded by good leaders in the right market, plenty of tools at your disposal

    Cons

    over saturated with agents, they want as many as possible to flood the market

    Advice to ManagementAdvice

    none

  6. 5 people found this helpful  

    The sales force is in serious trouble and is no longer a place for entrepreneurial opportunity.

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

    I have been working at Aflac full-time

    Pros

    This company used to be really a good place to work and build a book of business; in fact it was a wonderful place to work. Many independent agents could start and over the years make significant sums of money running into six and seven figures. Added on to this were the renewals and stock one got on top, this was the best insurance business opportunity around, by far. Ordinary people became millionaires working as independent agents. Los Angeles led the country for sales within the continental US for the company. Those were the good old days.

    Cons

    The enormous success and future potential of more money got the company greedy. Whereas the field force used to have representation within corporate headquarters, things have drastically changed. For example, the Los Angeles state office (top hierarcal field office consisting of multiple regions) started working against it's own independent field force by creating it's own state team that essentially took accounts and opportunities away from it's own regions and districts. Their ambition and greed backfired. Recently, the last founding partner of AFLAC passed away about a month ago. Changes have already taken place and now the state office operations have been converted to W2 status. Essentially, they no longer represent the field since they are now part of corporate! This is as if your local Senator or Congressman stopped being a voice of representation for the people.
    The field force has lost their voice because the state office no longer is a voice for the field agents. This is a bigger calamity than one realizes.

    Advice to ManagementAdvice

    To the state office: you guys were too personally selfish and greedy. In your naked ambition, corporate saw the profits that could be had. But this requires taking commissions away from the field. By making the state offices W2 status, corporate has taken control. The state office set the stage by abusing the powers. You should have respected the field agents. By failing to protect them, you guys have cut off and capped your own personal potential income. The glory days of AFLAC are gone.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  7. 3 people found this helpful  

    Aflac is a good place to start for some sales experience but very difficult to make a living at.

    • Comp & Benefits
    • Career Opportunities
    Current Employee - Associate in Los Angeles, CA
    Current Employee - Associate in Los Angeles, CA

    I have been working at Aflac full-time (less than an year)

    Pros

    They have a pretty decent training program in the beginning. Nice people and some have become very successful.

    Cons

    Once you've been through the training you're pretty much on your own. Huge turnover and they are constantly bringing on new people to replace the ones that leave in frustration. Also if an account doesn't pay which is common you will be charged back and you will not be able to get your advanced commissions anymore. Clients get confused about the product and many get buyers remorse.

    Advice to ManagementAdvice

    Work with trying to keep the ones that they've already spent money on training.

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  8. 2 people found this helpful  

    Have Eyes and Ears Open

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

    I have been working at Aflac full-time (less than an year)

    Pros

    It is like owning one's own business. People set their own schedules and work as much as they want. Meeting new people and offering something that will really benefit them is a major plus.

    Cons

    There are no protected territories. It's uncomfortable to encounter an individual or company that already has Aflac and have them ask, "Don't people in your office talk to each other?" Before considering being an agent, it is highly advisable to have a good chunk of savings and/or a part-time job. Some people make sales right away, but many don't for months on end.

    Advice to ManagementAdvice

    Don't tell people that Aflac is easy to sell. Most people don't think they need insurance, and that is a big hurdle for agents to overcome. The ad campaigns should clearly state that Aflac is supplemental insurance. Many people dismiss sales approaches from the agents because they believe it's just another major medical insurance plan. Consider offering a base salary; not having that doesn't necessarily make people hustle more to sell policies. When money gets very tight, agents will quit to find something that will give them steady paychecks.

    Recommends
    Neutral Outlook
    No opinion of CEO
  9. 4 people found this helpful  

    Great in theory, didn't work out for me.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Insurance Sales Agent in Tupelo, MS
    Current Employee - Insurance Sales Agent in Tupelo, MS

    I have been working at Aflac full-time (less than an year)

    Pros

    Unlimited income possibilities and can set your own schedule. Great trip rewards and other cash rewards. Job mobility is great and you can work anywhere in the US.

    Cons

    Cold calling is very hard in the over saturated market. You work really hard to make a sale that may not even workout. Even if you get past the manager the employees may not buy anything after you've wasted your own resources to make the sale.

    Recommends
    Positive Outlook
    Approves of CEO
  10. 1 person found this helpful  

    "I am not a sales person" pretty much sums up my time with Aflac; It's a good way to dip your foot into the sales pool.

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

    I worked at Aflac full-time (less than an year)

    Pros

    Great training
    Flexible hours
    Aflac seems to have the best products in it's area. You quickly come to understand which products will work best for you and your prospective clients. After the "discounted rate" for signing up at least 3 people, the product is definitely worthwhile.

    Cons

    Cut throat.
    Areas can often get saturated with agents, you can sometimes find yourself tripping over areas other agents have already hit (which can get frustrating for both you AND the employer.

    Recommends
    Positive Outlook
    No opinion of CEO
  11. 4 people found this helpful  

    Excellent Products

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

    I worked at Aflac as a contractor (more than an year)

    Pros

    Potential to make six figures if you can last 5 years or more or know an owner of a large company in you warm market.

    Cons

    Can't speak for other offices but the management is constantly being pressured to meet goals which in turn makes them very stressed in office where I was. Stress passed on to rookies and makes for high turn over in agents.

    Doesn't Recommend
    Neutral Outlook

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