Subject: Re: Re: AFLAC - the truth

Comments:
: : I am an Aflac agent. I have been for about 18 months. I have seen several disparaging things written about Aflac and I want to set the record straight. : ((REP)) Setting the record straight (in your eyes) : : 1. Aflac is a great place to WORK. That's right - WORK. You cannot come into this job, work 20 hours a week and expect to make a decent living. If you come from a 9-5 job, they expect you to work 40 hours. This is no different except you have to make yourself work the 40 hours. : ((REP)) agreed : : 2. Aflac is not EASY money. This is because it is not a scam. You sell something and they pay you. Period. The advances are great but let's call them what they are - an interest free loan. If your account cancels Aflac, you have to pay back the loan. Sounds fair, right? Only Aflac won't come back and ask you for the money right away, they will take it out of your monthly residual income. So, when you sell a policy - you get money. It's usually direct deposited in a day or two. They calculate this by taking the commission (anywhere from 20-40%)and paying you 63% of it upfront. The other 37% is paid equally over the next 11 months giving you residual income. : ((reply)) TRUE, sort-of, I never saw any of this residual income in 14 months - every (EVERY) policy cancelled in less than 6 months. : : 3. Because you are self-employed, you get no assistance from Aflac with business costs. You must usually pay for licensing class and test up front but if you sell $7500 in five weeks (which is about 15 policies - relatively easy) you get a $300 bonus from Aflac to reimburse you for your licensing costs. Usually your DSC will help you with this because s/he will get a bonus based on you making it. You do get the brochures for free though. : ((Reply)) Selling 5 policies in 5 weeks is tough, I did Aflac for 12 months, sold 18 policies, and all canceled with-in 6 months. Your DSC (can be total crap) as they will only "feed" you just what they want. They also lie. They will not tell you that 25 of 30 agents dont last 6 months. They dont tell you that people who cannot make it on their own leave policies holders "agent less" these people, called Headquarter accounts. My particular DSC told me that I HAD to give him 30% of my commission on those. I tried, found out he was not licensed for Life, thou I was. I later found out that Headquarter accounts are totally YOURS to keep, no split. My DSC also told me to LEAVE paper apps, this is illegal - could have cost me my license. : : 4. The most important thing is the state/region/district that you are placed in. I have heard bad stories from other parts of the country but that shouldn't discourage you. Make sure you are getting help from your coordinators and talk to them if you have questions or problems. The biggest reason for failure is that a new agent comes in, goes out on their own, and we never see them again. If you have a central office, work out of there every day. : ((Reply)) True, I went "out" with my DSC 4 days, watch him read his AOL e-Mail at Panera Bread. We never EVER went on a call. : : 5. You do need some money to fall back on during lean times. If you have a spouse with income that is definitely the best set up. As a single person, I would recommend sticking it out for a year unless you absolutely hate it because after a full year you can understand the whole benefits cycle. Almost 50% of our business comes in the final four months of the year and as such you need to experience that part of the year to get your monthly paycheck built up to an acceptable amount. : ((Reply)) Ture - Aflac is not an income, it's supplemental - I had $60,000 it's all gone!!! THANKS TO BRIAN MOORE!! Lame ass bastard : : Alot of people do fail at Aflac, but I have seen many succeed. The company DOES pay it's claims, care about it agents and policyholders. That was the biggest selling point for me. : : I'd be happy to answer anyone's questions. Tom

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