Aflac

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Aflac Reviews

Updated 27 February 2015
Updated 27 February 2015
806 Reviews
3.1
806 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
Aflac Chairman and CEO Dan Amos
Dan Amos
450 Ratings

Review Highlights

Pros
  • set your own hours, unlimited income potential (in 22 reviews)

  • Management is very engaged with making sure that employees maintain a good work-life balance (in 20 reviews)


Cons
  • No benefits, no base salary, the bosses will lie about everything (in 30 reviews)

  • lack of initial support - but it's like any 100% commission job: "you reap what you sow" (in 40 reviews)

More Highlights

Employee Reviews

Sort: Popular Rating Date
  1. 10 people found this helpful  

    Hard work and dedication pays off in dividends when you work for this fantastic company!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Aflac Agent in Charlottesville, VA (US)
    Current Employee - Aflac Agent in Charlottesville, VA (US)

    I have been working at Aflac full-time (more than a year)

    Pros

    Meeting new people from every walk of life. Helping people to secure themselves and their families from financial hardships.
    Phenomenal compensation for your efforts that continues to build and grow as your business grows.
    The ability to control your life and work as you need. Working for a fantastic Fortune 500 company!

    Cons

    It takes a little time to really get your business rolling- plan your life accordingly. The first 6 months of your career are the most difficult, but once you've gotten yourself beyond that point it should be a nice ride.
    Getting business owners/HR managers to understand our company is very different and get past their preconceived notions of what they think we do. Getting past the objections to get them to understand that Aflac is no longer a luxery item, but becoming a necessity to fill the financial gap that major medical leaves for most Americans.

    Advice to ManagementAdvice

    I would've gladly given a percentage of my commissions for the first year (or 2) to go toward a small base salary (for 1 year) to assist new associates as they grow their business. In my 2 years working for Aflac, I've seen too many good people leave because their new accounts haven't opened fast enough and they couldn't afford daily living. They would leave to go to a 'stable' job. A great option to assist those individuals is to create a balanced system of reducing the amount of advanced commission for them during their first year and rather giving them a "pay" as they get stable. It could be kept on a 1099 contract for tax purposes. Additionally, the hiring mantra of quantity of new hires could be changed to train quality of new hires- this is going to tie in with the next point. Or at least give them an option- established 'new' brokers, agents from other companies, those with

    Quantity of 'new agents'. With the aforementioned commentary, less than 1/10 new agents 'make it' a career due to a multitude of reasons. Two of the most common are the financial struggle and the difficulty to overcome angry business owners. Many new agents get turned away from businesses because of "15 Aflac agents have been here in the past 2 months" aspect. With a base salary for their first year, there would be less turnover. Less turnover would lead to less resistance from business owners. Many business owners are turned away from Aflac, not because they don't believe in what we do, but rather because of how many different agents walk through their doors. Because of the high turnover rates of this job, rarely does the same person walk through that door.

    Benefits for agents. With over 140,000 agents, most agents only represent Aflac and not other companies. With all of Aflac's resources, it would be easy for Aflac to create a partnership with a multitude of health care providers to make available affordable options for agents. Like their own Aflac benefits, Agents could have their major medical deducted from monthly statements and Aflac HQ wouldn't have to contribute. This could be done the same for retirement plans, HSA's, etc. It would be nice to have additional options and also work toward a lower turnover ratio.

    Recommends
    Positive Outlook
    Approves of CEO
  2. 1 person found this helpful  

    Great products, good sales management support.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Contractor - Anonymous Contractor
    Current Contractor - Anonymous Contractor

    I have been working at Aflac as a contractor (less than a year)

    Pros

    Commission is paid within 24-48 hours of posting the application.

    Cons

    No assigned territory, consequently many agents call the same potential client base.

    Recommends
    Positive Outlook
  3.  

    Awesome!!!!

    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at Aflac

    Pros

    Training, perks, best all around job!!

    Cons

    Challenging to gain promotion within company.

    Recommends
    Positive Outlook
    Approves of CEO
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  5.  

    Investor Relations Intern

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at Aflac

    Pros

    Everyone was super nice and helpful

    Cons

    Location was not appealing to me

    Approves of CEO
  6. 1 person found this helpful  

    Lots of good people, fun New York City environment, could potentially make a lot of money.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Benefits Consultant in New York, NY (US)
    Former Employee - Benefits Consultant in New York, NY (US)

    I worked at Aflac full-time (less than a year)

    Pros

    -You work for yourself so you make your own schedule
    -Commission structure pays out a large percentage
    -Everyone was pretty laid back and easy to work with

    Cons

    -No salary, commission only makes it tough to get going
    -Have to build up pay over time
    -All cold-calling and telemarketing when you first start out

    Recommends
    Positive Outlook
    Approves of CEO
  7.  

    Good products, good company

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Contractor - Independent Agent in Charlotte, NC (US)
    Former Contractor - Independent Agent in Charlotte, NC (US)

    I worked at Aflac as a contractor (more than a year)

    Pros

    Aflac is a solid company with a good reputation and good products. Helpful sales training at the regional office. Supportive coworkers at every level.

    Cons

    While you need an insurance license to offer Aflac products, you really are a sales person more than an insurance agent. There is good money to be made assuming you really like to sell and really like to hunt down new customers.

    Advice to ManagementAdvice

    More screening on new hires. turnover is too high and new people flood the market with initial sales calls only to leave the business soon after.

    Recommends
    Positive Outlook
    Approves of CEO
  8. 1 person found this helpful  

    It is what you make it

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Insurance Agent in West Palm Beach, FL (US)
    Former Employee - Insurance Agent in West Palm Beach, FL (US)

    I worked at Aflac

    Pros

    Training, opportunity for advancement, prizes, careing managers

    Cons

    Saturated market, not much opportunity

    Advice to ManagementAdvice

    Create a master list of current account holders.

    Recommends
    Positive Outlook
    Approves of CEO
  9. 1 person found this helpful  

    Direct Sales Representatives

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Direct Sales Agent in Rocky Hill, CT (US)
    Former Employee - Direct Sales Agent in Rocky Hill, CT (US)

    I worked at Aflac full-time (more than 10 years)

    Pros

    Flexible Schedule
    Room for Growth
    Uncapped Commission

    Cons

    100% Commission
    No benefits
    No starting salary

    Advice to ManagementAdvice

    Start with a base salary for the first year of employment

    Recommends
    Positive Outlook
  10.  

    Aflac was good

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Sales Associate in Omaha, NE (US)
    Former Employee - Sales Associate in Omaha, NE (US)

    I worked at Aflac full-time (more than 5 years)

    Pros

    Work for yourself so you choose when you want to work. If you dont want to work on fridays you dont have to. Commission is paid FAST. People are great. Residual income is nice. Fortune 500 company.

    Cons

    You eat what you kill meaning 100% commission so if you dont work you dont get paid. That is the ONLY problem.

    Advice to ManagementAdvice

    My management was great. No compaints

    Recommends
    Positive Outlook

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