Pros
I'd choose this over a labor camp, maybe....
Cons
Red flags everywhere... What kind of insurance company does not insure their own employees? No health insurance, no training pay, no cell phone or gas allowance, no retirement, no base pay, and no discounts on the supplemental insurance they do offer. The training period is 8 weeks, I found this very excessive, especially if you have any type of business degree. The information presented in training is not helpful and is very basic. Be warned that when in training any sale you close a portion (of the trainer's choosing, varies depending on who they stick you with that day) of your commission goes to the trainer. This means one day you could be asked to share 2/3 of the commission and others 1/3. You aren't allowed to close sales in training, you do all of the work and at the close someone else gets paid for the sake of formality. Aflac does not provide any of these leads, you provide them for Aflac. I never understood why the W-2 worker who was training me (the apparently self-employed) needed a portion of the little money I worked for in training. I did the research, I got the lead, I gave the pitch, I closed the sale, yet my "trainer" got to take a piece of my cake. I felt deceived in the interviews (I had two) as I asked what benefits I would be receiving and I was told I would be getting the whole nine yards. This was not the truth, the truth was revealed to me in onboarding after I invested about three hundred dollars into starting with Aflac. This company is not transparent and is very good at deflecting questions. This company claims to be extremely ethical yet every associate I knew had to purchase multiple plans from Aflac just to meet goals if they fell short. You basically make commission on yourself and owe the company later. This to me seems like an MLM buy-in, I know it technically isn't but this is definitely not ethical. This was not just the seasoned employees who had a bad quarter, no this was also the associates straight out of training who had to meet the criteria for the incentives. By the way, they make you sign a paper stating that the incentives are mandatory, even though they are said to be bonus goals in the interview and onboarding phase. READ EVERYTHING!!! The contacts they make you sign are contradictory and are full of grammatical errors. They also write things in that are different than what you are verbally informed of. The company TX-N Town Hall meetings are terrible. Lasting three hours and not helpful in the slightest. If anyone needs a class in business communication it's these people. They missed the basic concepts in business leadership communication every time. I felt like I was sitting through the Hunger Games. Even though you are "self-employed" you are still competing with everyone else (there is more buy-in than just selling a product/being self-employed) Hunger Games style. They portray it as a recognition reading but really it's a who made the executives the most money meeting. Aflac wants you to believe you are just self-employed so they don't have to give you benefits or base pay, however, they work you in ways that only W-2 employees should be. This is just a summary of my experience with Aflac. I would not recommend this company to anyone. They will sell you a dream at any cost, you're not just an employee, you are seen as a customer too. What a waste of time.