- 10,275
Re: Aflac rep also wants to sell pet insurance
Also dogs named Ryan, Chase and Jimmy. But no dogs named Iverson.
Also dogs named Ryan, Chase and Jimmy. But no dogs named Iverson.
My personal experience with Aflac
- Thread starter STIBROKER
- Start date
Re: Aflac rep also wants to sell pet insurance
I thought it was sold by Snoopy! Here is a great sales line "if it is good enough for Snoopy it is good enough for your pet"!
I thought the Met Life product was available only to dogs that are named Snoopy!
I thought it was sold by Snoopy! Here is a great sales line "if it is good enough for Snoopy it is good enough for your pet"!
Re: Working with AFLAC for now
"As earned" here also. I ref'd city league basketball games in San Diego 6 nights a week, that extra Grand a month really helped me "get over." I ran my ass off and didn't like some of the characters I came up against. But I was hungry for the cash.
I'd do it again.
"As earned" here also. I ref'd city league basketball games in San Diego 6 nights a week, that extra Grand a month really helped me "get over." I ran my ass off and didn't like some of the characters I came up against. But I was hungry for the cash.
I'd do it again.
- 596
Re: Working with AFLAC for now
In the winter, I would also ref basketball games. The abuse I took on the court was worse than some of the situations I ran across walking into businesses. It really taught me a lot:
- not taking it personal (biggest lesson)
- confidence (on close calls, you had to "sell the call", otherwise you would be eaten alive)
- communication skills (diffusing angry coaches)
I considered myself to be a good referee, but the actions of the parents and coaches still startle me to this day. It was mostly good experiences, but after doing enough games, I saw some interesting situations. I had a mother threaten to beat up a 6th grade girl on the other team (after a hard foul, but completely unintentional). I had a police detective accuse me of being racist and blaming the loss on me. I had a parent threaten to meet me in the parking lot after the game. Those are just the first three that come to mind. You can really see the dark side of people when it involves their kids.
In the winter, I would also ref basketball games. The abuse I took on the court was worse than some of the situations I ran across walking into businesses. It really taught me a lot:
- not taking it personal (biggest lesson)
- confidence (on close calls, you had to "sell the call", otherwise you would be eaten alive)
- communication skills (diffusing angry coaches)
I considered myself to be a good referee, but the actions of the parents and coaches still startle me to this day. It was mostly good experiences, but after doing enough games, I saw some interesting situations. I had a mother threaten to beat up a 6th grade girl on the other team (after a hard foul, but completely unintentional). I had a police detective accuse me of being racist and blaming the loss on me. I had a parent threaten to meet me in the parking lot after the game. Those are just the first three that come to mind. You can really see the dark side of people when it involves their kids.
- 1,908
Re: Working with AFLAC for now
So, you want someone who has just lost their job, and won't have the same income every month to pay upwards of six to seven hundred dollars a month on COBRA, rather than getting Short Term Medical?
WOW!
Those who have pre-ex, and other medical issues I recommend staying on COBRA. But for someone who is healthy, or who has children who are healthy, you REALLY want them to pay that much?
What will they use to pay the utility bills?
What will they use to put gas in the car to go on interviews?
I've got it! They can use YOUR money! I'll give them your name and number, and they can call YOU when they need some dough!
Short Term Medical IS Creditable Coverage. Why do you think companies like Assurant, Blue Cross, and others have it available to those who are getting separation notices?
DO YOU REALLY THINK THEY WOULD OFFER A NON-INSURANCE, INSURANCE PLAN TO SOMEONE WHO HAS THAT TYPE OF EXPOSURE.
As someone who facilitates a weekly Job Networking group, I am absolutely appalled, disgusted, and shocked that you would make someone burn through that much money when they don't have to.
Again, I have to ask. Do you think Blue Cross, Assurant and other major medical insurance companies would offer these, if they were not considered Creditable Coverage?
Getting back to the AFLAC question - If you don't want to get a part time job, please do yourself a favor, and go "as earned" and not "advanced". If someone cancels, or drops, you're in the hole, and it will be difficult in the beginning to get out.
I...I...I'm stunned that someone on this forum would profer advice that would put you deeper into a financial hole.
Perhaps you can go to the library and check out an audio library of Time Management, and see if that will help schedule your days, so that you may operate a peak efficiency.
Good luck.
So, you want someone who has just lost their job, and won't have the same income every month to pay upwards of six to seven hundred dollars a month on COBRA, rather than getting Short Term Medical?
WOW!
Those who have pre-ex, and other medical issues I recommend staying on COBRA. But for someone who is healthy, or who has children who are healthy, you REALLY want them to pay that much?
What will they use to pay the utility bills?
What will they use to put gas in the car to go on interviews?
I've got it! They can use YOUR money! I'll give them your name and number, and they can call YOU when they need some dough!
Short Term Medical IS Creditable Coverage. Why do you think companies like Assurant, Blue Cross, and others have it available to those who are getting separation notices?
DO YOU REALLY THINK THEY WOULD OFFER A NON-INSURANCE, INSURANCE PLAN TO SOMEONE WHO HAS THAT TYPE OF EXPOSURE.
As someone who facilitates a weekly Job Networking group, I am absolutely appalled, disgusted, and shocked that you would make someone burn through that much money when they don't have to.
Again, I have to ask. Do you think Blue Cross, Assurant and other major medical insurance companies would offer these, if they were not considered Creditable Coverage?
Getting back to the AFLAC question - If you don't want to get a part time job, please do yourself a favor, and go "as earned" and not "advanced". If someone cancels, or drops, you're in the hole, and it will be difficult in the beginning to get out.
I...I...I'm stunned that someone on this forum would profer advice that would put you deeper into a financial hole.
Perhaps you can go to the library and check out an audio library of Time Management, and see if that will help schedule your days, so that you may operate a peak efficiency.
Good luck.
- 14,808
Re: Working with AFLAC for now
STM through GR and Assurant is indeed creditable coverage. I'd like to see Moonlight's references where it's not.
STM through GR and Assurant is indeed creditable coverage. I'd like to see Moonlight's references where it's not.
- 9,744
Re: Working with AFLAC for now
Can't speak for other states as I only sell in Florida.
From the Blue Cross Blue Shield of Florida Underwriting Guide:
"Other insurers may NOT consider the BCBSF Temporary Insurance policy as Creditable Coverage toward purchase of permanent coverage with them."
Can't speak for other states as I only sell in Florida.
From the Blue Cross Blue Shield of Florida Underwriting Guide:
"Other insurers may NOT consider the BCBSF Temporary Insurance policy as Creditable Coverage toward purchase of permanent coverage with them."
- 14,808
Re: Working with AFLAC for now
That wasn't your previous post. Your post stated that "short-term" is not creditable coverage. That would be false.
"Man, I can't believe that you do this!
It is dangerous, dangerous, dangerous. Really an E&O claim waiting to happen.
You do know that Short Term does NOT qualify as "creditable coverage"? "
That wasn't your previous post. Your post stated that "short-term" is not creditable coverage. That would be false.
"Man, I can't believe that you do this!
It is dangerous, dangerous, dangerous. Really an E&O claim waiting to happen.
You do know that Short Term does NOT qualify as "creditable coverage"? "
Re: Working with AFLAC for now
I don't know about the as earned talk regarding Aflac. Frankly, the yearly commission on 1 accident policy is merely 200.00 or so. Which means monthly you will receive about 15.00 a month on as earned. Thus you would have to sell 100 accident policies a month just to make 15-1600. The normal aflac rep may close and enroll perhaps 1.5 companies per month with roughly 10 employees on average. Meaning 50% participate in 2 products...totalling 500.00 per person in AP.
The annual premium comes up to 2,500.00 average per 10 man company. 30% commission on that is 750.00 in total pay out. However Aflac only will pay 60% in up front commission the rest is broken down as earned. Thus your take home for that sale is 450.... This is why most Aflac reps fail. They do not have the drive, passion, or professionalism to hit hard enough to close 4-5 companies monthly. So they fizzle out after about 30-45 days. Blaming Aflac for this is not prudent. Let's face it guys, who here has tried to hire a good health agent lately? America is not home of the work ethically bound. Its home of the lazy pansy a$$ sissies who stay at home with mom and dad playing video games till they are 30 and broke...before they grow up. Sales, no matter the company is difficult. Only those who have a viable work ethic should engage in any sales market
I don't know about the as earned talk regarding Aflac. Frankly, the yearly commission on 1 accident policy is merely 200.00 or so. Which means monthly you will receive about 15.00 a month on as earned. Thus you would have to sell 100 accident policies a month just to make 15-1600. The normal aflac rep may close and enroll perhaps 1.5 companies per month with roughly 10 employees on average. Meaning 50% participate in 2 products...totalling 500.00 per person in AP.
The annual premium comes up to 2,500.00 average per 10 man company. 30% commission on that is 750.00 in total pay out. However Aflac only will pay 60% in up front commission the rest is broken down as earned. Thus your take home for that sale is 450.... This is why most Aflac reps fail. They do not have the drive, passion, or professionalism to hit hard enough to close 4-5 companies monthly. So they fizzle out after about 30-45 days. Blaming Aflac for this is not prudent. Let's face it guys, who here has tried to hire a good health agent lately? America is not home of the work ethically bound. Its home of the lazy pansy a$$ sissies who stay at home with mom and dad playing video games till they are 30 and broke...before they grow up. Sales, no matter the company is difficult. Only those who have a viable work ethic should engage in any sales market
- 9,744
Re: Working with AFLAC for now
Sure, they're healthy now...but what if someone gets sick?
OK, so you take 'em off COBRA, and put 'em on STM.
To even be HIPAA eligible, they have to exhaust COBRA. When you put 'em on STM, they haven't exhausted COBRA.
During the short term policy, someone develops an uninsurable condition.
What happens after they exhaust their STM?
If they (here in FL) had stayed on COBRA, they would get a guaranteed issue/no pre-x limitation individual conversion policy.
If they had been put on an STM -- they'd be S-O-L.
Who pays then?
Sure, they're healthy now...but what if someone gets sick?
OK, so you take 'em off COBRA, and put 'em on STM.
To even be HIPAA eligible, they have to exhaust COBRA. When you put 'em on STM, they haven't exhausted COBRA.
During the short term policy, someone develops an uninsurable condition.
What happens after they exhaust their STM?
If they (here in FL) had stayed on COBRA, they would get a guaranteed issue/no pre-x limitation individual conversion policy.
If they had been put on an STM -- they'd be S-O-L.
Who pays then?
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