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Well that's something that may very well be the case. Even a bad agent can sell the right product sometimes
Anyone Know of a Product(s) That Would Be Better Than Aflac?
- Thread starter Vanbret
- Start date
Well that's something that may very well be the case. Even a bad agent can sell the right product sometimes
- Thread starter
- #12
Vanbret
Expert
Hey, sorry for the delayed reply! So much for "instant notification of new posts". lol. (probably in my spam folder)
Thanks to everyone who has responded!
To answer someone's question from earlier, yes, this coverage is through work. I actually have the policies here with me. They all went into effect on 1/1/11, so they are just over a year old.
I might actually be able to get into the company through the employee....if this becomes possible, should I try to go in and present another product line? Would that be the best option?
If so, which company would I want to present that would give me a good shot at getting them off of the "Aflac wagon"? Colonial?
*Sorry if these questions are dumb....I've never dealt with selling these workplace products before; outside of setting up a couple small health plans.
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MGALady - Sorry; didn't answer your other questions.
No, I don't think the employer is contributing at all.
This case is in Georgia.
Thanks again for the help!
Thanks to everyone who has responded!
To answer someone's question from earlier, yes, this coverage is through work. I actually have the policies here with me. They all went into effect on 1/1/11, so they are just over a year old.
I might actually be able to get into the company through the employee....if this becomes possible, should I try to go in and present another product line? Would that be the best option?
If so, which company would I want to present that would give me a good shot at getting them off of the "Aflac wagon"? Colonial?
*Sorry if these questions are dumb....I've never dealt with selling these workplace products before; outside of setting up a couple small health plans.
- - - - - - - - - - - - - - - - - -
MGALady - Sorry; didn't answer your other questions.
No, I don't think the employer is contributing at all.
This case is in Georgia.
Thanks again for the help!
Last edited:
- 4,096
So you might be able to get into the company through an employee?
Get the contact information to start. You might have a problem with the decision maker even taking your call.
Let's say you do get the contact info. Then set up a meeting to talk about what you can do for the company as broker/consultant.
If they agree to give you a shot.(big IF) Then collect a census. Then take that census to the work site carriers and get bids.
This is how most employee benefit sales occur.
By the way it might help to be already contracted with the carriers you are going to represent.
Even if you lack experience you should be very optimistic and energetic about saving the company money. Then your energy might open the door.
Get the contact information to start. You might have a problem with the decision maker even taking your call.
Let's say you do get the contact info. Then set up a meeting to talk about what you can do for the company as broker/consultant.
If they agree to give you a shot.(big IF) Then collect a census. Then take that census to the work site carriers and get bids.
This is how most employee benefit sales occur.
By the way it might help to be already contracted with the carriers you are going to represent.
Even if you lack experience you should be very optimistic and energetic about saving the company money. Then your energy might open the door.
JustinSane
Expert
- 87
I use Washington National for many of my groups as a supplement-product carrier. They have a product, Gap360 which has been a huge hit. They also have several others, including cancer, accident, etc.
By the way. I'm new on this thing. Good to meet y'all. I look forward to the immense wealth of information found on this website
By the way. I'm new on this thing. Good to meet y'all. I look forward to the immense wealth of information found on this website
Silvio Dante
Expert
- 32
I've sold Colonial for 20 yrs. They are not captive. They do want commitment if you're new and they do have minimum production requirements if you're under an agency sales rep contract.
Beyond that, you can contract with other companies to sell all kinds of other lines. Where they (Colonial) would become very unhappy is if they knew you had contracted with a directly competing company like AFLAC. AND, especially if you replaced Colonial business in one of the accounts with AFLAC. That violates your contract.
Ultimately, I think Colonial wins for either the career oriented agent or the broker. I think the price points and products are slightly better. With other things that Colonial puts at your disposal, it should be easy to replace the business.
Beyond that, you can contract with other companies to sell all kinds of other lines. Where they (Colonial) would become very unhappy is if they knew you had contracted with a directly competing company like AFLAC. AND, especially if you replaced Colonial business in one of the accounts with AFLAC. That violates your contract.
Ultimately, I think Colonial wins for either the career oriented agent or the broker. I think the price points and products are slightly better. With other things that Colonial puts at your disposal, it should be easy to replace the business.
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".
That was a persausive argument!
AGLA has some good work site/ individual supplemental products . You can be non captive with them on their special rep contract.
That is not true. THere is Combined insurance that offers everything that afflac sells, and Assurant offers accident plans too. There are other companies that offer cancer assistance policies etc. I used to sell for Combined and am now indep. I had to look long and hard for similiar products, but they are out there.
That is not true. THere is Combined insurance that offers everything that afflac sells, and Assurant offers accident plans too. There are other companies that offer cancer assistance policies etc. I used to sell for Combined and am now indep. I had to look long and hard for similiar products, but they are out there.
Even Guardian has some worksite products.
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