Anyone Know of a Product(s) That Would Be Better Than Aflac?

[Vanbret]

Hey guys,

Got a question for you. I have a client who I just wrote health insurance for, and it turns out they have Aflac. Specifically, they have:
Cancer policy
Accident policy
Short Term Disability
Hospital Confinement Indemnity Policy
Hospital Confinement Sickness Indemnity Policy

My question for you, is do you know of some products that I could show them that are better (or comparable) and might be able to save them some money?

Obviously, they have quite a large premium wrapped up in this stuff, and I'd LOVE to get some of that action! (provided I can actually put them in a better situation).

Any help would greatly be appreciated.

Thanks guys!

 

[MGAlady]

Hey! The only two carriers who offer similar products to Aflac would be UNUM and AG. However, if they have Aflac, they are really in the best hands. Is Aflac through their current employer? or is this from an old employer? The reason I ask is, the policies have changed and depending on when she bought them, what state she's in and if her employer contributes at all, then you may have something to present to get a sale. I'd need to know more specifics. If it is through their current employer, you may have an even larger sales potential, as you can sell the whole group.

 

[rousemark]

Hey! The only two carriers who offer similar products to Aflac would be UNUM and AG. However, if they have Aflac, they are really in the best hands. Is Aflac through their current employer? or is this from an old employer? The reason I ask is, the policies have changed and depending on when she bought them, what state she's in and if her employer contributes at all, then you may have something to present to get a sale. I'd need to know more specifics. If it is through their current employer, you may have an even larger sales potential, as you can sell the whole group.

Also AGLA and Central United

 

[Josh]

Colonial tends to think they have a better product than Aflac and they probably are right.

I couldn't disagree more strongly with the assumption that "If they are with Aflac they are really in the best hands." Aflac recruits entirely too many agents that have no clue what they're doing for me to buy that line. It may be true, there are many folks at Aflac that know what they're doing, but it's the exception, not the rule.

 

[rousemark]

Colonial tends to think they have a better product than Aflac and they probably are right.

I couldn't disagree more strongly with the assumption that "If they are with Aflac they are really in the best hands." Aflac recruits entirely too many agents that have no clue what they're doing for me to buy that line. It may be true, there are many folks at Aflac that know what they're doing, but it's the exception, not the rule.

Yeah.. AFLAC tends to really churn and burn agents. Isn't Colonial Captive?.. There is always Liberty national but I think they are captive only. Last week a LN agent come in on one of my groups while I happened to be there. I told I had their voluntary benefit program and they wouldn't be changing. He wanted to know how I could be so sure. I told him, "My daughter owns the company".

 

[Norwayguy]

Hey guys,

Got a question for you. I have a client who I just wrote health insurance for, and it turns out they have Aflac. Specifically, they have:
Cancer policy
Accident policy
Short Term Disability
Hospital Confinement Indemnity Policy
Hospital Confinement Sickness Indemnity Policy

My question for you, is do you know of some products that I could show them that are better (or comparable) and might be able to save them some money?

Obviously, they have quite a large premium wrapped up in this stuff, and I'd LOVE to get some of that action! (provided I can actually put them in a better situation).

Any help would greatly be appreciated.

Thanks guys!

Where is the life coverage?

 

[Josh]

Yeah.. AFLAC tends to really churn and burn agents. Isn't Colonial Captive?.. There is always Liberty national but I think they are captive only. Last week a LN agent come in on one of my groups while I happened to be there. I told I had their voluntary benefit program and they wouldn't be changing. He wanted to know how I could be so sure. I told him, "My daughter owns the company".

Nice.

Colonial has a captiveesque side and a broker side. You can absolutely get contracted with them and rep their product without being captive.

 

[rousemark]

Nice.

Colonial has a captiveesque side and a broker side. You can absolutely get contracted with them and rep their product without being captive.

Are they worksite only? I still do supplemental products one on one using bank draft.

 

[Josh]

Are they worksite only? I still do supplemental products one on one using bank draft.

They'll go either way on that.

 

[MGAlady]

oooh. Sorry. Not necessarily in the best hands, but most likely paying the least amount for those products. My bad.