Aflac Reviews

Updated 17 September 2014
Updated 17 September 2014
671 Reviews
3.1
671 Reviews
Rating Trends

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

Review Highlights

Pros
  • You can set your own hours, work from virtually anywhere, and there is unlimited income potential (in 20 reviews)

  • Management is very engaged with making sure that employees maintain a good work-life balance (in 19 reviews)


Cons
  • No base salary or ramp up funds to help beginners, training is not so great (in 24 reviews)

  • lack of initial support - but it's like any 100% commission job: "you reap what you sow" (in 34 reviews)

More Highlights

Employee Reviews

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  1. 1 person found this helpful  

    Not a good job for a family man who needs a steady income. unpredictable.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Insurance Sales Agent  in  Nashville, TN (US)
    Current Employee - Insurance Sales Agent in Nashville, TN (US)

    I have been working at Aflac full-time for less than a year

    Pros

    big company with good advertising so everyone knows what aflac is but its a hard sell because they want you to get the hr department at a business to let you do a presentation

    Cons

    straight commission. its hard to even get your foot in the door because you are cold calling on businesses that have usually had multiple aflac agents in prior to you. i felt like a door to door salesman. made almost no money . the money i did make was taken back from me beacuse the company i signed up decided to cancel aflac as a part of their benefits package. i was paid based on one years commission from that company. when i quit i owed aflac money and they were going to send the debt to collections. what a nightmare. run dont look back. no benefits and you are a contractor. even my manager doesnt work there anymore. what a joke. wasted a lot of my time. i will never sell insurance again.

    Advice to ManagementAdvice

    if you have such a great company then pay your agents salaray plus commissions. no benefits offered.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  2. 1 person found this helpful  

    Coordinators rip you off and get slap on wrist

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

    I have been working at Aflac full-time for more than 10 years

    Pros

    The company name!!!! Good products and pay claims like no one else.

    Cons

    They have breed a culture of greed. Coordinators take any chance they can to get override off peoples work while corporate headquarters turns their heads. Flagrant abuse is given a slap on the wrist. We had to give a percentage of our business on a large enrollment to the coordinators wife for doing nothing. They went on the President's Club cruise, received a slap on wrist and still maintain their position. The state sales coordinator got no punishment and is now rumored to go on a $400,000 salary plus bonus. No wonder veteran associates are writing more and more business for other companies. One associate has a court case against a coordinator that is requesting millions of dollars in compensation. We are hoping they win so Alfac Corp will overhaul Virginia from top to bottom. I hope other states are better than Virginia.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  3. 2 people found this helpful  

    Commission Based

    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at Aflac

    Pros

    Flexibility to work in office and from home. Nice people and managers are willing to help you succeed. It''s great if you like to work on your own and you are self-motivated.

    Cons

    Too many agents, so a lot of cross-over when cold calling. Heavy turn over. Have to get and pay for licensing prior to starting.

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  5. 1 person found this helpful  

    The hype doesn't match the reality.

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

    I worked at Aflac full-time for less than a year

    Pros

    Genuinely good products to sell. Potential to do well.

    Cons

    Sales agents are under so much pressure they undermine each other's business and steal appointments from each other. Management sells folks on earning vacations and bonuses that very few will ever qualify for. Expect to spend more money than you earn the first few months.

    Advice to ManagementAdvice

    Don't forget where you came from.

    Doesn't Recommend
    No opinion of CEO
  6. 1 person found this helpful  

    Too risky

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

    I worked at Aflac full-time for less than a year

    Pros

    As a newcomer, there is lots of training, a welcoming atmosphere, and a competitive environment to inspire you to make sales.

    Cons

    If you're too young to have a book of business already, you're wasting your time. Most of their techniques are based on people you already know. As a transplant to the area, I made cold calls 98% of the time. Potential clients will get your hopes up, then cancel at the last minute. After months without a sale, I attempted to recruit an individual and presented my supervisors with an untapped market of unemployed individuals to reach out to and was told I could profit from each person that became an employee. The supervisor ignored the former and forgot about the latter.

    Advice to ManagementAdvice

    Respect the efforts of your employees, especially if it's their only chance to make an income.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  7. 2 people found this helpful  

    Roller coaster

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Associate  in  Rapid City, SD (US)
    Former Employee - Associate in Rapid City, SD (US)

    I worked at Aflac as a contractor for more than a year

    Pros

    It is your own business, you work as much or little as you want.

    Cons

    It is not as easy as they make it sound.

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
  8. 1 person found this helpful  

    Good interning experience for the short term, but not recommendable for a full time position

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Health and Accident Insurance Producer  in  College Park, MD (US)
    Former Employee - Health and Accident Insurance Producer in College Park, MD (US)

    I worked at Aflac part-time for less than a year

    Pros

    Aflac offered numerous incentives, which were unrealistic for interns to achieve; including 5-8% commissions for interns per health insurance policy interns sell to each business.
    The pro would be gaining experience in how insurance is sold and cold calling potential customers.

    Cons

    Inadequate employee training, high turnover, pay only by commission and the feeling that management didn't care too much about new hires. Essentially, us interns were thrown to the wolves after a week of training and required to do a lot of cold calling with no success.

    Advice to ManagementAdvice

    Management really needs to consider investing more time and interest into training new hires and teaching the essential skills of hooking and selling potential insurance clients.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  9. 3 people found this helpful  

    Sales Associate

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

    I worked at Aflac full-time for more than a year

    Pros

    commission is limitless
    free of micromanagement
    flexible schedule
    you are your own boss

    Cons

    cold calling
    prospecting
    hard selling
    no base pay
    commission only
    they will hire anyone

    Advice to ManagementAdvice

    Instead of hiring everyone for the sole purpose of receiving your quarterly bonus, try hiring based on talent and skill. Aflac might not have such high turnover is a base pay was implemented.

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  10. 1 person found this helpful  

    Not A Job For Most

    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Aflac

    Pros

    The sky is the limit if you can actually do the job. Minimum supervision. Set your own schedule.

    Cons

    Dog eat dog. Aflac contracts 100s of associates in your area to flood the market with associates. Management encourages associates to support each other, but really associates mainly support the managers by helping them to win trips and bonuses. 98% fail. The 2% make very good money. There is no real help to succeed past your initial training. If you produce numbers that help the managers, then they will help you. While you are independent Aflac does have a management structure that you must deal with. Once you are successful you can ignore management most of the time. If you are struggling they will try to get you to quit. For every 100 who start, only 1 or 2 remain after 24 months.

    Advice to ManagementAdvice

    Aflac as a company needs to hire the managers instead of having independent ones. Management needs to be consistent. Management should have the highest ethics ( right now it's all about the earnings). If you want clients to see a professional face on the associates, then managers need to be professional. Contract fewer associates. Train those you contract. Reduce the turnover. Clients see the "new faces" coming in their doors. Some clients see new associates every annual enrollment. That is not good for anyone.

  11.  

    Turn and burn agents lack of training

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Independent Agent  in  Jacksonville, FL (US)
    Current Employee - Independent Agent in Jacksonville, FL (US)

    I have been working at Aflac full-time for less than a year

    Pros

    Potential for income is limitless if you do not want a family life.

    Cons

    Lack of training for new agents

    Advice to ManagementAdvice

    Train and some income from corporate for those who are willing to give 100% for a lifetime of financial security.

    Doesn't Recommend
    Negative Outlook
    Approves of CEO

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