My personal experience with Aflac

[hodaka1974]

Re: Working for Aflac?

is brest cancer related to sisacell?

Yo main yus be maksin fon ov me ???? check with Miami vally hospital or maybe kettering medical center i'm sure they have heard of both oh good sam might help you as well.. hehe
hey they still make tires in dayton???

 

[2fast]

Re: Working for Aflac?

The whole you can make a six-figure income pitch is kind of like telling someone that you are selling a very economical 3 cylinder Geo Metro that will go 140 mph. What you fail to tell them is that the stated top speed was only achieved once on a downhill 20% grade with a 100 mph tail wind. Is the top speed a fact? Yes, but it is greatly misrepresented. This is the way that AFLAC and many other companies lure people in. They use facts that are misrepresented.

 

[hodaka1974]

Re: Working for Aflac?

it is always about money with you guy's....yea your company is big.....know why ......very little risk due to the capped amounts you pay your clients...so much money left over you can not swing a dead cat with out hitting a AFLAC ad.......

LOL dead cat what the heck.....is that like a dead cat bounce?? hehe

And don't all insurance companies have caps?? I know an agent that writes for United American, there sup health plans cap at $25K $50k or $100k so there you have 3 options on the max amount they will pay.
So if you are real poor(to keep the premiums low) you pick the max $25k and hope you dont get sick or hurt ....

 

[STIBROKER]

Re: Working for Aflac?

I know an agent that writes for United American, there sup health plans cap at $25K $50k or $100k so there you have 3 options on the max amount they will pay.
So if you are real poor(to keep the premiums low) you pick the max $25k and hope you dont get sick or hurt ....

some how this does not surprise me and yes I will not sell UA either....



Rip-off Report: Aflac misrepresenting clients & failing to act promptly on claims Columbus Georgia

Aflac misrepresenting clients & failing to act promptly on claims Columbus Georgia

Aflac is a misrepresenting company. they do not process their claims promply. They failed to pay a claim or process it in a timley manner. So my husband who had a tumor ended up loseing his right kidney (he had no other medical insurance)because of funds for medical expenses. we were denied medical treatment twice due to not having the [COLOR=blue ! important][FONT=Verdana,Arial,Helvetica,sans-serif][COLOR=blue ! important][FONT=Verdana,Arial,Helvetica,sans-serif]money[/FONT][/FONT][/color][/color] to pay up front for a catscan.

The rep who sold the policy was not properly trained or gave full information of the policy information. This company advertisement is not fully the truth. they are a misleading and heartless company.

Kathy
LaGrange, Georgia
U.S.A.


and things that make you go hummmmm.......

08-03 MEMORANDUM TO: Aflac Field Force SUBJECT: Insurance Fraud and Prohibited Practices DATE: January 4, 2008


MEMORANDUM TO:
Aflac Field Force
SUBJECT:
Insurance Fraud and Prohibited Practices
DATE:
January 4, 2008
Because of the serious nature of insurance fraud and its adverse impact on our customers, associates, and
business reputation, we want to review with you some of the concepts of Aflac's fraud policy. The
following pages of this memo contain a brief summary of the fraud policy and examples of actions that
are considered fraudulent. Please take a moment to review this summary and make sure that you
understand its message and implications.
Aflac takes a strong stand against insurance fraud in connection with the sale, purchase, service, and
claims process involving Aflac insurance. If we find sufficient evidence to confirm that a person has
committed insurance fraud or other prohibited practices, Aflac will take appropriate action, up to and
including termination and/or prosecution. We will also report the incident as required to the state
insurance department, and the appropriate state and federal authorities.
We know the vast majority of our associates maintain a high level of integrity and ethical business
practices in their daily activities. We want to continue encouraging these same high standards of conduct
in our dealings with our applicants, policyholders, claimants, state and local officials, and all individuals
we encounter in the sale and servicing of Aflac insurance.
Deborah B. Griffin
Second Vice President
Sales Administration
[FONT=arial,sans-serif]Page 2[/FONT]
Insurance Fraud and Prohibited Practices for Aflac Associates
Field Force Summary
Aflac expects its associates to conduct business in an ethical manner and in full compliance with
all applicable laws and regulations. The following list provides a few examples of activities that
are prohibited by Aflac
.
DEFINITION OF FRAUD
Fraud
is generally any act of cunning, deception, or artifice used to cheat or to deceive another. It
includes intentionally making a material misrepresentation to deceive another.
INDICATIONS OF FRAUD
EXAMPLES OF ASSOCIATE FRAUD AND/OR PROHIBITED PRACTICES INCLUDE BUT ARE NOT
LIMITED TO THE FOLLOWING:
Solicitation and Application
• Certifying that you personally saw the applicant and/or asked all underwriting
questions when you did not
• Establishing a fictitious/invalid payroll account, including establishing an account with an
insufficient number of W-2 employees
• Failure to ask the applicant all of the underwriting questions and failure to accurately
record applicant's answers to these questions
• Failure to accurately record the applicant's personal data for the purpose of
circumventing Aflac's rewrite or excessive coverage verification process
• Forging or tracing signatures on a new group authorization
• Forging or tracing anyone's signature or initials on any SmartApp or Aflac paper
application or form
• Misrepresenting policy benefits or policy exclusions to applicants
• Manipulating or inaccurately recording the applicant's personal and/or underwriting data
(job titles, salary, health information, etc.) for the purpose of obtaining coverage that the
applicant would not otherwise be eligible for
• Paying commission to other associates outside of the Aflac commission system
• Providing any cash incentives or other significant incentives to prospects and/or
policyholders to encourage them to apply for coverage or pay their premium
• Submitting an application under a fictitious or incorrect payroll account
• Submitting an application for a person who does not exist
• Submitting an application for coverage that has not been authorized by the applicant or
that the applicant has no intention of paying for
• Submitting an application with "Signature on File" or any other invalid notation in the
signature block
• Transferring a paper application to SmartApp
®
and forging/tracing the policyholder's
signature
• Using unlicensed individuals in any solicitation or enrollment for Aflac products, to include
correcting pended applications
• Using the wrong state application for the enrollment location
[FONT=arial,sans-serif]Page 3[/FONT]
• Using enrollment forms or other documents that are not approved by Aflac's Compliance
department
• Writing applications in states or countries in where you are not licensed
Policy Administration
• Churning of policies to the detriment of the insured
• Collecting premiums (other than the initial premium on direct) without specific written
authorization from Aflac Worldwide Headquarters
• Paying premiums for or on behalf of a policyholder or payroll account
• Providing any commission as a rebate to a policyholder
Claim Administration
• Knowingly preparing or submitting a claim form with inaccurate or altered information
• Paying any claim or settlement on an Aflac policy
• Withholding relevant documentation or information related to a claim
General Administration
• Establishing a bank or credit account or relationship in the name of Aflac or allowing
Aflac's name on any bank account (e.g., using checks imprinted with Aflac's name)
• Failure to treat with strict confidentiality any protected information in accordance with all
privacy laws and in accordance with Aflac's Protected Information Management
Guidelines
• Failing to promptly deliver a claim check to the payee, or endorsing or cashing a check,
draft, or money order made payable to Aflac or any Aflac policyholder
• Making a contract or incurring debt in the name of Aflac

 

[hodaka1974]

Re: Working for Aflac?

Do you still state that Aflac is the only company that pays the client cash?

hehe that was my bait & switch statement-------------
No AFLAC is not the only insurance that pays cash to the policy holder..
They were the first with this idea, and AFLAC has no ID cards (except for dental)

 

[theinuranceguy]

Re: Working for Aflac?

What's the matter inuranceguy, didn't you get any love as a child? Why the bitterness toward me, or AFLAC?

I think I've made it clear that I'm a coordinator with AFLAC. Posting name, address, phone, e-mail, and Social Security number doesn't seem to be a requirement in this forum. Do you require this "stepping out of the shadows and being real" with everybody who posts, or just those you disagree with?

However, I would be more than happy to e-mail you my cell phone number if you'd like further information about AFLAC. You can let me know.

Remember Sir, "If you are not the lead dog, the view is always the same."

Lurking in the shadows as always,

PL

No I only ask that of people who I feel are dishonest....

And for someone in sales, to be shy not to give out a number, seems shady to me...

But dont publish your social security number unless you have lifelock...

 

[theinuranceguy]

Re: Working for Aflac?

hehe that was my bait & switch statement-------------
No AFLAC is not the only insurance that pays cash to the policy holder..
They were the first with this idea, and AFLAC has no ID cards (except for dental)

THE FIRST WITH THIS IDEA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Who the F*ck told you that!!!!

Indemnity plans have been around for HUNDREDS OF YEARS!!!!!!!!!!!!!!!!!!!!!!!!!

You are either brainwashed or a dumbass

 

[hodaka1974]

Re: Working for Aflac?

Aflac misrepresenting clients & failing to act promptly on claims Columbus Georgia

just type in any insruance at Ripoff Report: By Consumers, For Consumers

they all have dirt... in fact type any company name and you will see all kinds of rip off stories.....

 

[STIBROKER]

Re: Working for Aflac?

Aflac misrepresenting clients & failing to act promptly on claims Columbus Georgia

just type in any insruance at Ripoff Report: By Consumers, For Consumers

they all have dirt... in fact type any company name and you will see all kinds of rip off stories.....

yea we know...best place to check for real information.....here I am going back and forth with a NAA shill.....

Rip-off Report: National Agents Alliance ripoff Dallas Danville Virginia

 

[InsSalesIsNotForEveryone]

Re: Working for Aflac?

The whole you can make a six-figure income pitch is kind of like telling someone that you are selling a very economical 3 cylinder Geo Metro that will go 140 mph. What you fail to tell them is that the stated top speed was only achieved once on a downhill 20% grade with a 100 mph tail wind. Is the top speed a fact? Yes, but it is greatly misrepresented. This is the way that AFLAC and many other companies lure people in. They use facts that are misrepresented.

Your analogy has brought tears to my eyes.

Bravo! *claps* Bravo!