Subject: Re: Re: Colonial Supplemental - Better than AFLAC?

Comments:
: You are looking the right direction if you are looking for a career change or are thinking about entering the financial services and insurance industry. : I spent 33 wonderful years with Mutual of Omaha, a classic well respected company in the industry, and then - caught in a "reduction of personnel" or "corporate downsizing" I was offered a chance to exit and then chose to semi-retire. : I was attracted to Colonial Supplemental from retirement two years ago this month because of a few things. : * They are a company that understands who the customer is, who the sales people are and knows what they do well -- and they stick to their knitting. : * They were the very first company to sell a payroll deducted premium insurance policy over 50 years ago and they continue to stay focused on their core competency avoiding all of the "fad" products that distract many companies. : * They focus on the experience they provide for customers over product and price. Product and price will come and go but the Benefit Communication experience they provide will provide value forever. : * They were one of, if not the first, to be automated and take electronic applications in the enrollment of work site benefits. This means better than 90% of their products are issued in less than 24 hours. : * They take advantage of each sales individuals strengths through role specialization in their sales force. They specialize as account openers, enrollment specialists and account coordinators. : * They do an extraordinary job of servicing and re-enrollment of existing clients generating more than 70% of revenue from existing clients. : * They have over 2,500 certified enrollment professionals nationwide allowing them to respond quickly to large national accounts. : * They are in a very measured and purposeful growth mood investing in the growth of more retail locations in almost every major community nationwide while many insurance companies are in "shrink mode" : * They invest solidly each year in the training and development of their sales people through a system they call Colonial College : * Their senior management people are sincere, smart, engaged individuals from the President Randy Horn to each division head and Regional Sales team in the field. As we all know, a company is a solid reflection of their leadership. : I don't have to work, I go to work because I have fun, enjoy each work day and believe I am making a contribution to something special. AFLAC has made this industry visible with their "duck" and that has been good for everyone, including the public at large. They experienced exponential growth and are now dealing with the issues that come with that growth. : The supplemental benefits industry is the fastest growing segment of the insurance industry and in that industry, Colonial Supplemental and AFLAC are #1 and #2 which means you are looking in the right direction. : The current focus on Consumer Driven Healthcare, wellness benefits, HSA, HRA, etc. makes a company that can provide solid benefit communication services and core benefit enrollment along with a solid portfolio of supplemental benefits will experience rewards in growth and development. : Consider these things when making your own decision: : - The Company : - The Market / Need : - The Product : - The Compensation / Profit : - The Timing : Hope that helps.

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