My personal experience with Aflac

[hodaka1974]

Re: Working for Aflac?

-------------------

LOL It is SHORT TERM you goof LOL again what company do you sell for??
let me guess the Golden Rule......you keep showing us AFLAC's short term DI. now show us your wonderful DI plan.

 

[Winter_123]

Re: Working for Aflac?

Hundreds????
So keep slinging the mud and hate, as AFLAC keeps going up the ladder of fortune 500 companies.

I think that we have established ten times over that most people here are interested in how AFLAC agents are faring, not the corporation which is making money off of agents rather than with them.

The AFLAC agents are lemmings. Hoards of them going door to door, agent after agent. It is one of the bottom rungs of the industry but, like AMWAY and NAA some are making money. Most are not, unless they were working at Dunkin Donuts and call that money. If you want to show some charts and graphs about AFLAC's profits and market penetration then go for it. That will motivate the dozens of new agents starting in your area tomorrow, for a few weeks- soon to be replaced by another crew. Of course, like AMWAY and NAA, the ones who are making anything more than a pittance are the ones who are recruiting and benefitting from the pyramid scheme. You would know what I am talking about.

Winter

 

[STIBROKER]

Re: Working for Aflac?

LOL It is SHORT TERM you goof LOL again what company do you sell for??
let me guess the Golden Rule......you keep showing us AFLAC's short term DI. now show us your wonderful DI plan.

for disability.....Illinois Mutual.......

Illinois Mutual Life Insurance Company

 

[hodaka1974]

Re: Working for Aflac?

I think that we have established ten times over that most people here are interested in how AFLAC agents are faring, not the corporation which is making money off of agents rather than with them.

The AFLAC agents are lemmings. Hoards of them going door to door, agent after agent. It is one of the bottom rungs of the industry but, like AMWAY and NAA some are making money. Most are not, unless they were working at Dunkin Donuts and call that money. If you want to show some charts and graphs about AFLAC's profits and market penetration then go for it. That will motivate the dozens of new agents starting in your area tomorrow, for a few weeks- soon to be replaced by another crew. Of course, like AMWAY and NAA, the ones who are making anything more than a pittance are the ones who are recruiting and benefitting from the pyramid scheme. You would know what I am talking about.

Winter

LOL more darts and mud...And what company do you write for Winter??
With any job it is what YOU make it, there is not a company on this planet that is free of bad employees. No one is forced to work for AFLAC.

You don't like AFLAC that is fine. but stop bad mouthing the company.
As for how the agents are fearing,,,well I am doing very good thanks.

Next show me an area in this country where the market is not saturated with insurance sales men/women...

Now for the graphs & charts--- over 350,000 payroll accounts... can the BIG company you write for say the same?? number 1 provider of sec.125 plans in the country.. If you like I can make some real nice looking charts & graphs for you showing these numbers...

So put your money wher you mouth is and show us how great the company you write for is!!!!!!!!!!

 

[STIBROKER]

Re: Working for Aflac?

So put your money wher you mouth is and show us how great the company you write for is!!!!!!!!!!

I just love the captive agent mentality......always about the company.....look how great we are and in the other hand try not to look to close at the policy.....

 

[DLA]

Re: Working for Aflac?

Hodaka, until you learn to express yourself well (read correct spelling, grammar) and speak with some kindness and understanding, rather than being so defensive, no one here is going to take you seriously.

Many cancer plans on the market today will win a side by side comparison with Aflac's Maximum Difference plan. It is more expensive and offers less for the dollar than previous Aflac cancer plans or other plans in the marketplace. I do, however, defend the Personal Cancer Indemnity as an excellent plan.

You can't deny the high turnover in agents. Yes, there are people making money. It IS possible to make money at Aflac, but the deceptions in the recruiting process are legendary.

Yes there are good and bad agents everywhere. However, Aflac agents are poorly trained and not held accountable for their deceptions, mis-statements, and errors. For that matter, neither is the customer service group. Aflac is promoting agents to management far too quickly these days and it will be the downfall of the structure. For the agents, many are not even fully trained when they are promoted. For the DSC, they do not ever recoop their training investment in the agent because they are pulled from them so quickly to be in management.

Aflac is a good company. They are a leader. They have good products. The facts back up these statements.

Hodaka, you would do well to learn more about the industry. You exist in one little sheltered area of insurance. Even in the voluntary market, there is so much more than Aflac. Explore your competition. Someday Aflac will NOT be #1. Don't be smug and think that can't happen. As an agent, your studies should include your competition, the industry as a whole, and the industry as it applies to the voluntary market. Only then can you be taken seriously as an insurance agent.

There is so much more to the insurance world. Aflac doesn't want you to know this. And if you take the time to learn more than what Aflac wants to teach you, watch how threatened your coordinators will become.

Hodaka, your words convey no on could possibly tell you anything you don't already know. Stop feeling the urge to defend; instead try listening, reading, and learning. All these other (successful) agents here must know something!


DLA


PS - I was with Aflac for 7 years, as a top producer in the state with the trips, prizes, etc. Now I have my own agency and I couldn't be happier. But I am in no way saying Aflac isn't the right place for YOU.

 

[Winter_123]

Re: Working for Aflac?

So put your money wher you mouth is and show us how great the company you write for is!!!!!!!!!!

Captive mentality. You write for one company so therefore want to know what the one company is that others write for.

As with many here, if I added up the gross sales for all of the major carriers that I write with, it would probably be a significant portion of the national GNP. So what? That fact alone does not make me rich or poor and the financial strength of a company is an important factor but not one that goes to the core of what is like for an agent to work either captive or exclusively with them. Those are two different discussions commpletely, unless you are just out to recruit agents on a churn and burn basis and are using it to convince them that the rising tide is lifting all boats. It isn't.

There are a lot of big companies out there that are shlock to work with from a commissions, a support point of view, or with regard to products. On the other hand there are some sweet little puppies that are honest, responsive, pay well, and not hyped up. Most folks here are licensed insurance agents. We dont need the frigging party line brochure talk. Save that for your clients. Agents (particularly the vulnerable newbies) are tyring to make a living and figure out what works for them and their clients without all the hot air. You have touted at length that AFLAC is great and is no different than any other field where life is what you make of it. The input from countless others places AFLAC well near the bottom of the barrel but you are saying that it is right for you. Fine, the newbies can be the judge. Those with experience aren't going to be swayed by the hype. If life and success are whatever you make of it anywhere then go with Amway or PrePaid Legal and see if it all comes out the same for anyone other than a few who were born with that mentality.

Winter

 

[theinuranceguy]

Re: Working for Aflac?

I dont know why we are even wasting time with this guy...

He doesnt understand what an indemnity plan is...

He thinks AFLAC is the only company that pays cash to clients...

He thinks AFLAC is the only company with a cancer policy ....

He keeps bringing up stats, the same stats, over and over again...

And for the longest time kept calling sickle-cell - sisacell ....

Read his posts, I am not lieng...

From what I see... and Hodakah will deny this... is that he is new to the company, has been brainwashed, and soon will learn...

Hodakah, if you love this market so much, get appointed with other companies and go out and sell it and make more money...

As for me, Im tired of dumbing down my posts so this guy can get a clue...

 

[2fast]

Re: Working for Aflac?

The funny thing about hodaka is that his posts do more to damage the image of AFLAC than any of the other posts in this discussion. For that, I think his posts are great and he should keep them coming. I think that the points that most of the rest of us are trying to drive home are for newbies (like myself) it pays to do quite a bit of research on which carrier to go with and how to position one's self in the market. Open your eyes to see the recruiting scams for what they are and be skeptical of facts and figures that are used to sell you a job. The insurance industry is very competitive and no single company really has a lock on any particular facet of it, so don't believe the hype. I have yet to come in contact with a company that did not tell me they were number 1 at what they do.

My motivation for posting my experience with AFLAC is to hopefully save someone else the wasted time, money and frustration from buying into the AFLAC pitch. I cannot deny that my experience there, as short as it was, helped prepare me to better position myself to get a much more respectable position in the insurance industry. I was wiser to the scams and had a better idea of what to look out for. Thanks to the information on this forum, I have been on an interviewing spree with all of the top life insurance providers and I've received some great offers, one of which I am accepting. I feel that the aim of this forum is not to bash AFLAC and others, but rather to expose AFLAC and other companies like NAA and Cornerstone America for what they are and not what they present themselves to be. That way, newbies and others in the industry can gain perspective from other's experiences.

 

[arnguy]

Re: Working for Aflac?

It is my understanding that AFLAC has tremendous market penetration in Japan. No doubt that cancer policies really sell well in Japan inasmuch as they are the only country to have experienced frirst hand the aftereffects of an atomic bomb. I do not believe that AFLAC has much of a market penetration in the U.S.

BTW, I would have brought up the misspelling of sickle-cell if I had been able to to decipher WTF sisacell is supposed to mean.