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I don't know about AFLAC but Colonial is not captive. They have two appointment structures. One is an 'agent' agreement that is rather restrictive in it's non-compete clause but not captive. The other is their 'broker' agreement which I signed which says nothing about selling competing products, etc. They know that I am appointed by other (health) carriers and that I will continue to sell those products in addition to Colonial's workplace supps (which are sometimes called "mini-meds" but from what I understand... really aren't.)
What IS the definition of 'mini-meds' as opposed to workplace "voluntary benefits"?
Al