In my immediate area... The colonial reps are much more seasoned and professional than the Aflac reps I have come across. It is rare that I talk to an Aflac rep who has been with the company for more than 18 months. They seem to churn through college kids at a brisk pace. I know there are awesome Aflac reps out there but they are not servicing small groups in my area. Colonial has better pricing, equal or better products and a much more stable workforce in my limited interaction with both companies.