There are newer employer reviews for Aflac

1 person found this helpful  

Great Part-time job

  • Comp & Benefits
  • Work/Life Balance
  • Senior Management
  • Career Opportunities
Current Employee - Independent Agent Representing Aflac (Sales) in Hammonton, NJ
Current Employee - Independent Agent Representing Aflac (Sales) in Hammonton, NJ

I have been working at Aflac

Pros

No pressure to perform. Totally on your own. Great name brand.Very good products (varies by state). Very good company marketing support. Company does pay claims incredibily fast (4-5 days).

Cons

Training is extremely poor. Company is non-discriminate on who they hire, which causes problems when prospecting accounts with prior Aflac experience. Little local management support. If you don't sell .... you don't make money. No benefits provided ... you're on your own!

Advice to ManagementAdvice

Stop taking an Amway approach to your busines development. Hire qualified professionals, and limited the number by territorial. This would result in greater new business production & retention, and a much lower sales associate turn-over rate.

Approves of CEO

705 Other Employee Reviews for Aflac (View Most Recent)

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  1.  

    Great Opportunities for growth.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Current Employee - Insurance Agent in Columbus, GA
    Current Employee - Insurance Agent in Columbus, GA

    I have been working at Aflac

    Pros

    Growth opportunities. Brand is very recognizable. Company stands behind their products and pays claims quickly.

    Cons

    Must be self motivated in the sales field.

    Advice to ManagementAdvice

    Continue taking care of your outside Agents. They are your representation to the world.

    Recommends
    Approves of CEO
  2. 3 people found this helpful  

    Recruiters Over Promise & Under Deliver

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Current Employee - Independent Sales Agent in Lubbock, TX
    Current Employee - Independent Sales Agent in Lubbock, TX

    I have been working at Aflac

    Pros

    The best thing about being an agent for Aflac is that you can take time during the work week to take care of business beyond the Aflac world. The introductory commission rates on sales are also fair.

    Cons

    The downside to Aflac is that there is no salary. There are only sales commissions, so no sales means no money, at all. And sales of supplemental insurance is extremely difficult. People do not come to you; you must go to them, and most people will never even hear what Aflac can do for them because business owners will slam the door (or phone) in agents' faces as soon as they perceive salesperson. You will be treated with absolute contempt even if you are an exceptionally honest, intelligent and caring individual with good people skills. Aflac recruiters (veteran agents) gloss over these facts with alarming consistency, so unless you already have a host of connections and business contacts who won't treat you like a disease when you walk into their establishments, don't waste your time and energy on this gig. Around 80% of new agents wash out within the first 6 months of their "career," and I suspect that most of them made less than $10,000.

    Despite claims to the contrary, Aflac is a type of pyramid scheme, although it is a legitimate one. The fact is that ALL Aflac agents are consistently pressured by management to function as recruiters for new agents. Recruiters get a percentage of all of their recruits' commissions, and all the people those new agents recruit also give a cut to the first recruiter and so on and so forth. REMEMBER THIS: It is fundamentally at odds for recruiters to tell potential agents the hard truth about how hard Aflac is because if they did, they would not be able to reap their cut of the commissions these unsuspecting agents make on their first few accounts. When you wash out (like most agents will), the one who recruited you still keeps the renewal commissions on your hard-fought accounts (but you don't), and the account is then magically transferred to them.

    Like most pyramid set-ups, the real way to make Aflac work for you is to have other people do the hard work while you go around collecting others' accounts, spinning more recruitment pitches, glad-handing everyone and promising that they too can be millionaires. To be fair, you CAN get there, but chances are... you won't.

    BOTTOM LINE: Hard work will only get you so far if you don't already have many business connections, and if you are one of those crazy types who actually want to be compensated for the work you do and expenses you incur, then steer clear of these 100% commission "careers." The most honest and succinct thing I can say is that if I had known then what I know now, I would never have signed on with Aflac.

    Advice to ManagementAdvice

    Lay off the recruiting pressure. Right now I wouldn't wish Aflac on my worst enemy, much less ruin a friendship by spinning them a bunch of half-truths about how awesome being an independent agent CAN be.

    Doesn't Recommend
    No opinion of CEO
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