My personal experience with Aflac
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Steve Botterbusch
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Re: Working for Aflac?
Stay Away I made a major career move / change, from which I am still trying to recover, emotionally and financially.
Everything HEALTHAGENT says is true.
No records, terrible service, ....... please, just avoid.
Stay Away I made a major career move / change, from which I am still trying to recover, emotionally and financially.
Everything HEALTHAGENT says is true.
No records, terrible service, ....... please, just avoid.
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Re: Working for Aflac?
You have any of those ducks left,my beagle needs a new one......
You have any of those ducks left,my beagle needs a new one......
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Re: Working for Aflac?
Well guys all I can chime in and say is that I am said to hear that it seems that way in your area. I started with Aflac and hold my license with about 10 other companies as well due to bad broker relations (on their part) so now I offer the total pkg. I have always been self employed minus my 4 year in the Marine Corps. After talking with others and dealing with other Insurance companies I can tell you that if I would not have started with Aflac I would probably not be as successful or LOVE my business. I have done and owned many businesses and have never enjoyed or had as much passion for anything like the Marine Corps and Aflac. I can tell you that most of the objections all sound alike and I have heard them before about all the companies out there. It has to do with what manager they have or that hired them and who trains them. I am in a management position myself and I can tell you first hand that Aflac does not push you to recruit recruit recruit. They want good people and in order to have good people on your team you have to go through some bad as in any business. We do things a lot different out of my office than others do and maybe that has a lot to do with our success. As with anything out there if you will stop and think outside of the box and strategically have a plan to do what the other guys aren't then you WILL win. As far as the commissions they are the highest paid for the type of policies offered and no they don't hand you a book of business or give you prospects because the main idea or concept is that your self employed and not captive. For those who have to have a check "given" to them every week and are willing to be captive and not self employed, power to ya. But I personally prefer to be my own boss. I get rewarded based on my productivity. The more active I am the more I make and I am not limited. Honestly, if every business had their business model the work force would be a lot better place. There wouldn't be the clock watchers who slack because they know they get a check anyway. By the way I believe we it is about 9% penetration across the country that Aflac has so the market isn't saturated by No means and we are the leader of supplemental insurance. Larger than the next 18 below us combined. Just My .02 Glad to be here by the way and if I can ever help please ask.
Merritt
Well guys all I can chime in and say is that I am said to hear that it seems that way in your area. I started with Aflac and hold my license with about 10 other companies as well due to bad broker relations (on their part) so now I offer the total pkg. I have always been self employed minus my 4 year in the Marine Corps. After talking with others and dealing with other Insurance companies I can tell you that if I would not have started with Aflac I would probably not be as successful or LOVE my business. I have done and owned many businesses and have never enjoyed or had as much passion for anything like the Marine Corps and Aflac. I can tell you that most of the objections all sound alike and I have heard them before about all the companies out there. It has to do with what manager they have or that hired them and who trains them. I am in a management position myself and I can tell you first hand that Aflac does not push you to recruit recruit recruit. They want good people and in order to have good people on your team you have to go through some bad as in any business. We do things a lot different out of my office than others do and maybe that has a lot to do with our success. As with anything out there if you will stop and think outside of the box and strategically have a plan to do what the other guys aren't then you WILL win. As far as the commissions they are the highest paid for the type of policies offered and no they don't hand you a book of business or give you prospects because the main idea or concept is that your self employed and not captive. For those who have to have a check "given" to them every week and are willing to be captive and not self employed, power to ya. But I personally prefer to be my own boss. I get rewarded based on my productivity. The more active I am the more I make and I am not limited. Honestly, if every business had their business model the work force would be a lot better place. There wouldn't be the clock watchers who slack because they know they get a check anyway. By the way I believe we it is about 9% penetration across the country that Aflac has so the market isn't saturated by No means and we are the leader of supplemental insurance. Larger than the next 18 below us combined. Just My .02 Glad to be here by the way and if I can ever help please ask.
Merritt
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Re: Working for Aflac?
Mr. Bill
With Aflac there are NO agency deals and you are always a producer up to the Regional Manager position. There are Agents/Associates Coordinators in training and District Coordinators. I can personally tell you of many many success stories if I only had the time.....LOL....
Mr. Bill
With Aflac there are NO agency deals and you are always a producer up to the Regional Manager position. There are Agents/Associates Coordinators in training and District Coordinators. I can personally tell you of many many success stories if I only had the time.....LOL....
Re: Working for Aflac?
James,
Funny you should say that about 10%. We actually grew our State District by over 20% last year so Aflac isn't going anywhere but up. Thanks for your input and understanding both sides.
James,
Funny you should say that about 10%. We actually grew our State District by over 20% last year so Aflac isn't going anywhere but up. Thanks for your input and understanding both sides.
Re: Working for Aflac?
I had a regional director who was stealing prospects from agents and filtering them into a district. He put all the new orphaned accounts in that districts and put out the recycled/dead ones to the other districts. One district was growing while the other 5 were stagnant or shrinking. He would not recruit for these districts. He wouldn't help us get into orphaned accounts we found cold calling. When he lost an account he sent his wife in to pitch Colonial. No support was given outside of the few favorites. I went through all my savings and stayed too long hoping to make it. I was making well over the 100 cold calls a week recommended. I was going back at least 5 times to businesses that I even remotely thought I could get into.
I work with another company now. It's not the products, it's some of the people who are put in place. That regional director no longer works for Aflac after 18 years. They brought in a new RSC and she is trying her best to fix it. I'm too broke at this point to start again. I still hold my appointment and still work with the clients I had.
There are no real territories, three regions overlapped and places were getting worked by 3 or more agents in the same day at times.
I had a regional director who was stealing prospects from agents and filtering them into a district. He put all the new orphaned accounts in that districts and put out the recycled/dead ones to the other districts. One district was growing while the other 5 were stagnant or shrinking. He would not recruit for these districts. He wouldn't help us get into orphaned accounts we found cold calling. When he lost an account he sent his wife in to pitch Colonial. No support was given outside of the few favorites. I went through all my savings and stayed too long hoping to make it. I was making well over the 100 cold calls a week recommended. I was going back at least 5 times to businesses that I even remotely thought I could get into.
I work with another company now. It's not the products, it's some of the people who are put in place. That regional director no longer works for Aflac after 18 years. They brought in a new RSC and she is trying her best to fix it. I'm too broke at this point to start again. I still hold my appointment and still work with the clients I had.
There are no real territories, three regions overlapped and places were getting worked by 3 or more agents in the same day at times.
- 2,908
Re: Working for Aflac?
I live in a rurual New England state that has only 400-500 Aflac agents. I looked at the data for all of the agents whose name appeared on the production sheet because they were at least producing something. I figured that the top producer was bringing in about $60,000 in commissions each year, and then residuals on top of that. Pretty grim for the top producer.
Most of the new AFLAC agents are headed nowhere but getting a chance to talk to business owners who have already talked to a dozen other agents. I did it for a short time and dont regret that it got me out of my shell and in the mode of going door to door to prospect but money is another matter. Also, be careful about talking to agents who have made it until you find out what their idea of "making it" is. Lot of people in that field are looking for $30,000 a year compared to when they were flipping burgers.
If someone is working the worksite market and argues that it is a good tool to have in their toolbox along with other products and is also cross selling to business owners, I dont disagree with that. That is kind of advanced for a lot of AFLAC agents though. Also, before long you sell a retirement annuity or some large life insurance policies and sit back and reflect on how really frigging labor intensive AFLAC is as a standalone effort. Also, the fact that there is only 10% market penetration in that area does not necessarily equate to a golden opportunity. The other 90% may have already been contacted 20 times. If you specialize in cracking that kind of nut or prevailing in that sales environment, that can be a good thing and I dont argue against that. It's a lot for a newbie seeking advice to be up against though. NAA is also loaded with people who are successful but, overall, it nevertheless is what it is and is an agent beware situation.
Winter
I live in a rurual New England state that has only 400-500 Aflac agents. I looked at the data for all of the agents whose name appeared on the production sheet because they were at least producing something. I figured that the top producer was bringing in about $60,000 in commissions each year, and then residuals on top of that. Pretty grim for the top producer.
Most of the new AFLAC agents are headed nowhere but getting a chance to talk to business owners who have already talked to a dozen other agents. I did it for a short time and dont regret that it got me out of my shell and in the mode of going door to door to prospect but money is another matter. Also, be careful about talking to agents who have made it until you find out what their idea of "making it" is. Lot of people in that field are looking for $30,000 a year compared to when they were flipping burgers.
If someone is working the worksite market and argues that it is a good tool to have in their toolbox along with other products and is also cross selling to business owners, I dont disagree with that. That is kind of advanced for a lot of AFLAC agents though. Also, before long you sell a retirement annuity or some large life insurance policies and sit back and reflect on how really frigging labor intensive AFLAC is as a standalone effort. Also, the fact that there is only 10% market penetration in that area does not necessarily equate to a golden opportunity. The other 90% may have already been contacted 20 times. If you specialize in cracking that kind of nut or prevailing in that sales environment, that can be a good thing and I dont argue against that. It's a lot for a newbie seeking advice to be up against though. NAA is also loaded with people who are successful but, overall, it nevertheless is what it is and is an agent beware situation.
Winter
- 924
Re: Working for Aflac?
Mmm.... my daughter just received her license last week. Yesterday, she sent her resume to Aflac based on an attractive ad they placed in her local area.
Wow. I'm sending her a link to this thread.
Hi, Alison!
Mmm.... my daughter just received her license last week. Yesterday, she sent her resume to Aflac based on an attractive ad they placed in her local area.
Wow. I'm sending her a link to this thread.
Hi, Alison!
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