My personal experience with Aflac

Re: Working for Aflac?

Perhaps you should check your link. No mention of CURING someone with SISACELL. It simply states that AFLAC is a corporate sponsor and large contributor to that organization. Again, check your facts (and your spelling).
keep looking,,, now for my spelling LOL beat me all you want to---
 
Re: Working for Aflac?

You have never heard of sisacell anemia??? 2fast you are 2 slow!!!
you are in the health insurance industry and have never heard of this before??? what do you live under a rock?? and AFLAC did not cure her the hospital did, and it is a AFLAC sponsored hospital

You stated that AFLAC cured her, I did not. Please refer back to post #115. Classic AFLAC, misrepresenting the facts. That is what their whole recruiting system is based on; misrepresentation of the facts, which you, hodaka, perpetuate here on this forum.
 
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My personal experience with Aflac.

The online dictionary I found defined bias as: "an unfair preference for or dislike of something." I believe it was on encarta's site. I'd like to think I'm not biased against Aflac in any way, because my opinion of them is based on what I was told by the folks who hired me, what I was told by the district managers, by the regional manager, by others in the insurance field, by friends who've tried out working for Aflac, by the newly hired agents who worked with me briefly, by business owners whom I met in the field while prospecting, as well as my own personal experience performing the duties of the job. I know there are people who are making a decent living working for them. My district manager, who happens to be a personal friend, is making a decent living through Aflac.

This is not intended to bash or insult the company personally, as I said I know some folks who are making a decent living working for them. What this is meant to be is an actual personal account of what you can expect working for Aflac if you're new to insurance and don't know what to expect. I wish I had done a bit more research before I dove into it, but that's just what you have to do sometimes.

Here's what Aflac was for me from the first time I talked to the recruiters, to the day I called in to say I wasn't interested in the job any longer:

1) Here's what I was told at the job fair:

A)You can make a decent living right away. As in, I could be paying my expenses with the money I make from Aflac within 2-3 weeks. I told them my expenses amounted to approximately $2500 a month. They said that would be easy to reach. I was very specific about the questions I asked them in regards to how soon I would be making money.

B) "Its the easiest job I've ever had." I can't remember if both of them told me this, but at least one of them told me that exact quote.

C) First year, bear minimum of $50,000 if you're willing to work at least 35 hours a week.

2) The insurance class and licensing test.

A) They don't tell you that this test is one of the hardest tests you'll take in your life. I imagine there are many people who do not get past this stage of the game. I had around 6 people who were taking the class for Aflac, and I believe just myself and one other woman had passed up to the point I left. I found out after I started working that most people don't pass the first time they take it. I live in Louisiana and supposedly we have the 2nd hardest Life, Health, and Accident test in the nation. I don't know if that's true or not, but it was very hard. I passed my first time, but 4 other people had either failed or kept pushing the test back because of the difficulty. The testers at the exam site told me 90% of people fail the test the first time they take it. I know one person in my office had to take it four times.

B) In Louisiana, the class and first exam combined costed about $300. If you fail, you have to pay $75 each time you fail, and rescheduling costs about $40. I had to pay an additonal $40 because I needed more time to study.

3) The first day of work.

A) I was a bit nervous, but went in ready to tackle the day. My nerves quickly went into the red when I started probing a bit into some of the other agents working there. As it turns out, most of the agents I talked to hadn't made a single dollar yet. There was a fella who had been working for 3 months and hadn't made a dime. He did admit he hadn't worked as much as he could have, but still. Another had worked for 3 weeks, same situation. Another guy had made money, but admitted it took him 5 weeks before he wrote a single policy. And it wasn't much. Another woman didn't make money for the first 3 months, did well in March, but hadn't done much in April. She also suggested I get a second job, as she had since she could not pay all her expenses with what she made from Aflac. My DSC told me I didn't need to get a second job, but many of the other employees had second jobs, and many veterans said it was a good idea.

B) Over the next couple of days I found out that the vast majority of agents working in my office were very new, with less than a year of experience. I know for certain that 3 employees had second jobs because they weren't making any real money.

C) I also started to see a pattern in the office. I had gone to about 3-4 weeks worth of meetings. Every week there were new people showing up. This is when I started hearing about the turnover rate, which hadn't been mentioned previously. The turnover rate is attrocious. According to statistics online and what I read on this site, 80% of all new insurance agents quit within the first year. Those aren't very good odds, in my opinion. And there's obviously a reason for such a high turnover. Had I known those statistics from the start, I probably would have steered very clear of this opportunity. But as I said, I had no real experience with selling insurance so had no idea what to expect.

D) Also, many of the older, more experienced salesmen told me from their personal experience doing insurance sales that most people don't last. One fella in particular, who had personally been in insurance sales for approximately 30 years, said he'd seen so many people come on and not last more than 3 months. He actually said right to my face that it's really the type of opportunity for someone like a recent college graduate who still lives at home and can handle not making money for a long time.

4) Prospecting-what you really do.

A) They'll tell you the procedure right from day one. Basically, you make cold calls to prospective business owners who do business locally. Generally, you are targetting smaller businesses with 5+ employees.

B) Here's the thing...you don't call these people and tell them you're with Aflac, you'd like to make an appointment, etc. You call them with this scripted spiel about how you started your own business and want to mail them some information. Its an OUTRIGHT LIE, which was uncomfortable for me. You're actually calling them to find out the owner's name so you can pretend like you've already talked to him/her when you actually enter the business the next day. We're talking hundreds and hundreds of phone calls here.

C) The next day you physically walk into businesses and ask for the owner you found out over the phone the day prior. The goal is to pretend like you either know the owner or have spoken with them previously. You then attempt to schedule a meeting with the owner, then further down the road, a meeting with the employees, then enrollment. Which I imagine is pretty standard stuff for all insurance companies.

D) Prospecting is time consuming and a rough job. You have to be very self-confident and be able to talk to all types of people. And it helps if you're already skilled with persuasion, or have prior sales experience. Either way, its rough work. You have to drive yourself in your own car, which gets expensive. Gas prices in my area are around $3.60 per gallon last time I filled up. The main thing about prospecting is that its not immediately rewarding. Its takes a while to get your name out there, get a reputation, get referrals, etc. Also, there's already Veteran salesmen out there who have more clout in the market than you as a new pup trying to get started.

5) The people who WERE successful at Aflac.

A) There were a handful of successful salesmen at the office I worked at. I know at least 7-8 were doing decent enough to have Aflac as their only occupation. Out of these, 6-7 were district and regional managers. It seems that most who do well move up very quickly, like within a year or two of being employed. Then those folks try to get as many succesful agents working under them since they get commissions off of everything their agents sell. I believe this is why some people compared them to Amway. I admit, a lot of the rhetoric they use sounds very, very similar to Amway. "You get out of it what you put into it! You're your own boss! You can make ****** dollars(usually a grossly exaggerated amount) your first year with the company!" They're constantly recruiting, and trying to get you to recruit more people.

---Continued---
 
Re: My personal experience with Aflac.

Those were my personal experiences in my short time with the company. As I said earlier, I have no personal disdain for the company or especially not for the people I worked with. The office staff was very warm and friendly, and generally very helpful. And they've already made it clear I'm welcome to come back at any time.

The problem I suppose is that the very people that hired me are salespeople themselves. They know what not to say, and what to say. If they had told me they had people in their office who hadn't made any money in 3 months, I would have never taken the job. And most importantly, I'm not in a financial position to take such a risk. I made this very clear to them, and it seems they're so blinded and deluded by their own success they don't see that most people don't do as well as they have.

What are the odds that me, Joe Blow, with zero insurance sales experience is going to do as well as someone who was the best new sales associate for the entire state, or a regional manager who is in the top ten of our region? I'd say very slim. Its like holding a lottery ticket in front of a downtrodden man saying all he had to do to win $100 million was just buy a lottery ticket. Yeah, he COULD win, and other people have one, but the odds of that happening are very, very, very low.

What I've found with these "carrot on a stick" type jobs is that they tell you what the absolute best employees have done, despite what YOUR potential actually is. They have nothing to lose, and actually hiring as many employees as possible is benefitial to them. It costs them absolutely nothing to hire a new employee.

"You will make $50,000 the first year!" If thats true, they why are so many people not making that much? Why aren't there more people standing in line outside of Aflac's door just dying to get a job there? I know people who would kill to work for the post office and they'd only make $30,000-$35,000 a year. And it takes years to get on with them. You'd think people would be lined up to get a job at Aflac.

Maybe, just maybe, its because making six figures is not the norm. There's a handful of star performers, and hundreds and hundreds of naive people who get involved with them only to lose money or waste time on false hopes.

I don't feel its a sham, because you can make money. I had no reason to believe there was anything unethical going on in the office. It IS however purposely deceptive. They kept quit a few pertinant things to themselves because they knew I would never have taken the job. And judging by the large amount of new agents who pass through those doors, they keep things from most people. One example being the fact that you have to buy a laptop directly from Aflac that costs $2,000. My stomach churned when I was told this in my DSC's office. You get back $3 or something like that every time you sell a policy, but if its my own business why do I need to purchase it directly from Aflac? Someone mentioned the software, but come on. I can install software myself on a laptop I bought from CompUSA for $500.

So here's my advice if you plan on working with Aflac:

A) First, I personally don't recommend trying this out without at least 6 months salary set aside. Or, in the case of a recent college graduate, if you have no real expenses every month. Or a retiree, or a stay at home Mom with a working husband or substantial income.

B) Second, this job is all about people. Talking to people, forming a trememdous amount of relationships, all who have your personal cell number, persuading people, getting referrences, hitting up your family and friends for referrences, talking to very large numbers of strangers, most of which are immediately annoyed when they find out what you do, grabbing people off the street because they have the uniform of a prospective company you've never heard of, walking basically from door to door asking for business. If you've never done this before, its tough. I've done sales before, but nothing so arduous as walking in and out of businesses haggling people who generally aren't interested. Just to give you an idea, the regional manager of my office said you would need to make physical contact with at least 100 business owners a week to get one account. That's not cold calling, dropping by, or setting appointments...that's actually getting through all that and finally speaking to the actual business owner. I don't know how experienced some of you guys are with small businesses, but the owners are VERy busy and generally don't want to be bothered. Its A LOT of work.

C) Third, if you're not well connected in your area, you're at a huge disadvantage. Despite having run a small business, I didn't really have a lot of business contacts. I have a decent amount of friends and family, but I'm not a well connected person. My experience was that most of the top salespeople were very well connected, savy types who this sort of thing came natural to them. They're the kind of people who know Sally ThisandThat at the corner store, Joe from this company, and Fred downtown. If you're not well connected with friends or associates in lots of different types of businesses, you're gonna be at a bit of a disadvantage. Just another thing to consider.

D) Fourth, no matter how much money you make, you're always in sales. Its a tough, very competitive profession. Its also very stressful if you've never done it before. They say there's no quotas, but they require you to do a certain amount of work every week which is tracked by a points system. And your DSC is going to be on your ass about what appointments you have, what your doing, etc, etc. They do this because they get commissions from your sales, as well as having quotas themselves from the head person above regional manager. Can't remember the guy's title. You're always trying to get that next commission, no matter how many years you've been doing it. You will always be looking for new business, haggling people for referrels, basically tugging on the pant leg of every business owner you see.

E) Fifth, and most important, no-one, and I mean NO-ONE who owns a business just gives away money for free. The reason there are a handful of people making such extraordinary amounts of money by working for Aflac is because they're highly valued by the company. Most people who decide to become insurance salespeople don't make it. They run out of money, don't get enough business, get frustrated with the monotony of prospecting; They lack discipline, whatever. Just keep in mind that the odds of you, Joe/Jill blow making six figures by just rolling up into Aflac's office doing what they suggest is highly unlikely. Of course if you have insurance sales experience, your father is an insurance salesman, or you've taken classes, or have been preparing for years to do this, that's different. But if you were like me, just someone looking for a career change with no experience in insurance, you have a VERY high hill to climb.

Good luck to everyone, and I hope this clears some things up.
 
Re: My personal experience with Aflac.

Great write up. This is quite similar to my experience. AFLAC has saturated the market in my area to the point that a majority of the people that I called on or walked in on asked me to please take them off of the call list because of the volume of AFLAC agents that were contacting them. Many were just plain angry that they were being solicited for the 3rd or 4th time that day by someone representing AFLAC. I was told that the market was wide open in my area. LIE!
 
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Re: Working for Aflac?

You stated that AFLAC cured her, I did not. Please refer back to post #115. Classic AFLAC, misrepresenting the facts. That is what their whole recruiting system is based on; misrepresentation of the facts, which you, hodaka, perpetuate here on this forum.

2fast, did you work for them? I quit this morning after working with them for about a month. I posted about my experiences on the main page. I think maybe I could have summerized my entire experience in the simple statement you posted above. They do misrepresent the facts.

A good example of this would be how they hook you with the high dollar salary expectations. I remember my regional manager showing me a copy of average salary expectations for an Aflac employee. It had crazy numbers in the six figures area; I believe it got into $250,000 plus. Anyway, I noticed on the bottom of the page it said that this was an average of the top 5 salespeople in the country. Or maybe it was in the region. Either way, thats what they showed me.

I wonder how different it would have looked if they had showed me an annual report with the average of ALL agents employed by aflac over the past year, including first year agents. I'd love to have seen an actual average of just all first year employees, including the poor saps that make absolutely nothing. I'm sure the figures would be a tiny bit less appealing to prospective employees.
 
Re: My personal experience with Aflac.

First posts are always interesting. Some are introductory in nature, some are self-serving, and some are just spam.

While I have no opinions of AFLAC (good or bad), I have to say...that was one of the most interesting first posts I have ever read. Compelling and seemingly truthful.
 
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