My personal experience with Aflac

[InsSalesIsNotForEveryone]

Re: Working for Aflac?

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

I don't know a hell of a lot about the insurance business, but I think he's mislead because of the way Aflac pitches their policies. Compared to a Major Medical Health plan, which usually has a copay, or a deductable, but pays the hospital or doctor, Aflac pays cash directly to the insured. Its one of the major selling points they teach their agents to stress when selling to people with Major Medical.

 

[midwestbroker]

Re: My personal experience with Aflac.

Great first post. Most people would come out and bash Aflac for not making it. Telling it like it is takes someone who is a cut above the rest.

To read that tells me that you could have a career in insurance, but just need to find your niche. It took me about 3 years to find mine.

 

[hodaka1974]

Re: Working for Aflac?

I don't know a hell of a lot about the insurance business, but I think he's mislead because of the way Aflac pitches their policies. Compared to a Major Medical Health plan, which usually has a copay, or a deductable, but pays the hospital or doctor, Aflac pays cash directly to the insured. Its one of the major selling points they teach their agents to stress when selling to people with Major Medical.

Thanks for calling me that. Do you kiss your mother with that pie hole of yours?? I was not talking about the "indemnity" I was talking about paying cash to the policy holder,,,, AFLAC was first with a cancer policy as well..

 

[hodaka1974]

Re: Working for Aflac?

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

Thanks for calling me that. Do you kiss your mother with that pie hole of yours?? I was not talking about the "indemnity" I was talking about paying cash to the policy holder,,,, AFLAC was first with a cancer policy as well..

 

[Bob_The_Insurance_Guy]

Re: My personal experience with Aflac.

Go independent, if you can. Start with Health Insurance, since these companies allow you to get direct contracts, or through an FMO. It's an easy topic to talk about, and the turnaround time to get sales is quicker than Life or DI or LTC.

That's not to say it's not hard. It is. It's sales. However, you have total control over what you do and who you see. By being an independent, I determine who I call on, and what products I sell.

Just a thought.

 

[Bob_The_Insurance_Guy]

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

I think the bitterness comes with your defensive attitude you take about AFLAC. I've been in the insurance business for 11 years now, here in the Atlanta, Ga. market, and I always am upfront with all my vendors as to what my concentration is.

When I met with AFLAC, they signed me up, sat down with me, gave me one follow up call. Then, when I did not work their lines full time, they evaporated on me.

When I met with Colonial, I told them the same thing I told AFLAC. They treated me with respect, answered my calls, gave me access to their web site, sent me brochures, and always thanked me for considering using their company.

It has been two years since I have written a supplement policy with either one. AFLAC dropped me, as I knew they would, and then tried to charge me $20, for what I don't know.

I am still licensed with Colonial, have full access to their website. And am treated professionally every time I call, even if it doesn't lead to a sale.

I facilitate a Job Career Networking Group, and two people, who don't have any interest in going into sales, were recruited by AFLAC. When they approached me, I told them that you need to develop a target market, and pursue that market with the product. I had to tell them, because AFLAC told both of them that EVERYONE is a prospect. That is not true. That is horrible sales training.

If I am an engineer, then engineering firms are my target market. If I am in video production (which is what one of these ladies was in), then calling on that industry is my target market. I gave these people more direction than AFLAC did. That's sad.

I have even tried to network with AFLAC agents, but they don't seem to stay around long enough, nor do they reciprocate with a lead in my direction. I would feel that group health and AFLAC would be great to partner with one another. I approached a few AFLAC offices here with that idea, and was told to take a flying leap. And that was from the Manager.

I even suggested doing seminars about health and supplement coverage with them, and got the same response.

If you want my name, number, address, agent license number, I'll be more than happy to give it to you.

I have tried to work side-by-side with AFLAC, only to be told to screw myself. Great professional attitudes you guys have. You must go to the Blue Cross Blue Shield school of attitude.

 

[Delta76]

Re: Working for Aflac?

I was not talking about the "indemnity" I was talking about paying cash to the policy holder

For those of us who may be a little slow, could you explain the difference?

 

[STIBROKER]

Re: Working for Aflac?

For those of us who may be a little slow, could you explain the difference?

 

[PL & Associates]

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...

Care to back that statement up, Stibroker? How bout' a little bit? I've been with Aflac for quite a while, and I haven't experienced this "cap" that you refer to.

Not a perfect company, maybe too difficult for many people to make a living at. I'll acknowledge that. Many people in many industries go from company to company before finding the right fit. Some people can do it quite well, though - and my point about the people I work with was that you CAN be very successful.

Fact is, I didn't make any money in my first month. I 'quit' 365 times in my first year. However, I guess it's fair to say that nobody can be successful in any career if the quit after two weeks (I'm with AFLAC for just over three years).

You guys know that there is no income potential like there is in insurance sales. AFLAC is the clear leader in voluntary workplace benefits. Nobody comes even remotely close, even though that may piss you guys off (yes, I CAN back that up). Whether or not companies are tired of being solicited, and new agents OFTEN find it difficult to learn the ropes in a new business - doesn't change the fact that the company named as one of the 100 Most Ethical Companies in the World has a lot to be proud of.

I visited Spain for a few years ago for one week. I didn't like it very much. I don't believe, however, that my brief vacation qualifies me to advise people not to live there. There are others more suited to that.

PL

 

[STIBROKER]

Re: Working for Aflac?

Care to back that statement up, Stibroker? How bout' a little bit? I've been with Aflac for quite a while, and I haven't experienced this "cap" that you refer to.

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yea at giving the public a false sense of security......

here is your wonderful disability plan.....

AFLAC’s Personal Disability Income Protector

CHOOSE THE COVERAGE YOU NEED
AFLAC's Personal Disability Income Protector allows you to choose a
level of coverage that best meets your individual financial needs.
x Monthly Benefits: From $500 to $5,000, subject to income
requirements
x Elimination Periods (Accident/Sickness): 0/7, 0/14, or 7/14
x Benefit Period: 3 months

Totally disabled is defined as: while employed, it means your
continuing inability to perform the material and substantial duties of
your job. You must also be under the care and attendance of a
physician for your condition. If you are unable to perform the material
and substantial duties of your job but are able to work at any job, you
will continue to be considered totally disabled as long as your
earnings are less than 80% of your base pay earnings at the time you
became totally disabled. If you return to work at any job and are
earning 80% or more of your predisability base pay earnings, you will
no longer be considered totally disabled.