Aflac

www.aflac.com

Aflac Reviews

Updated 26 January 2015
Updated 26 January 2015
775 Reviews
3.1
775 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
Aflac Chairman and CEO Dan Amos
Dan Amos
439 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. 2 people found this helpful  

    Great sales experience, really teaches any given individual what it takes to become a great salesperson.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Independent Agent
    Current Employee - Independent Agent

    I have been working at Aflac

    Pros

    Great, fast-paced work environment.

    Cons

    There is no base salary; therefore, making it hard if you are an entry-level sales person.

    Advice to ManagementAdvice

    Have a base salary to invite top talent to the company.

    Recommends
    Positive Outlook
  2. 4 people found this helpful  

    Multi Level Marketing

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - District Sales Coordinator in San Francisco, CA (US)
    Former Employee - District Sales Coordinator in San Francisco, CA (US)

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

    Pros

    You have the ability to make as much money as your talent alows.

    Cons

    The company process will weigh you down the more successful you become.

    Advice to ManagementAdvice

    Servicing client's needs to be streamlined.

    Recommends
    Neutral Outlook
    Approves of CEO
  3. 1 person found this helpful  

    Great Sales

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Regional Manager in Jacksonville, FL (US)
    Former Employee - Regional Manager in Jacksonville, FL (US)

    I worked at Aflac

    Pros

    Unlimited earning potential with promotion comes more pay

    Cons

    Commision only and no benefits

    Advice to ManagementAdvice

    Managers vary by each state

    Recommends
    Positive Outlook
    Approves of CEO
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  5.  

    Sales associate

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

    I have been working at Aflac full-time (less than an year)

    Pros

    You make your own schedule. Unlimited earning potential.

    Cons

    It's full commission. The business model is to saturate areas as much as possible, so if you don't have the skills required to be good in sales you will most likely fail.

    Advice to ManagementAdvice

    Hire canidates you feel there is a good chance will be successful. Hiring everyone who applies is discouraging to a new hiree.

    Doesn't Recommend
    Positive Outlook
    No opinion of CEO
  6. 2 people found this helpful  

    Difficult to make a living. Your salary is all dependent on how good of a sales person you are with cold calling.

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

    I have been working at Aflac

    Pros

    You have unlimited potential to make great money.

    Cons

    There are no territories and chances are someone from a different city is calling in your area.

    Advice to ManagementAdvice

    Spend more time with new agents and don't assume they know everything about the buisness.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  7. 5 people found this helpful  

    Don't Be Fooled

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Insurance Agent in Los Angeles, CA (US)
    Former Employee - Insurance Agent in Los Angeles, CA (US)

    I worked at Aflac full-time (more than an year)

    Pros

    -Positive Sales Environment
    -Sales Training
    -Great Business Social Events and Award Ceremonies
    -Determine your own work hours

    Cons

    -Little to no support in the field
    -100% Commission, "Feast or Famine"
    -Only 1-2 people in a training class of 30 are successful in making it a career as an Agent
    -Too many obstacles to overcome to close an account

    This job is not for everybody. The most successful person in my class, who generated the most sales volume could not survive on what they made in commissions. The company sells you on the idea that you could earn a six figure salary. They sell you on the idea of the potential. While there is indeed Agents that make six figure incomes, they are the 1%. They promote, advertise and glorify these people and say this could be you. However only a select few ever make a career at it. There is huge turn over that's why there is always job openings posted on the web. Job titles such as, "Insurance Agent", "Benefits Consultant", "Benefits Coordinator", "Benefits Development Associate", they are all the SAME! The most difficult aspect of the job is because it is voluntary insurance, unlike auto or homeowner's insurance, you have to create the "need". That is at the basis of your sales pitch. Also, it takes at least 2-3 years to establish and develop a profitable book of business so if you don't have other income or savings to live off of you will have an extremely hard time surviving in the business.

    Advice to ManagementAdvice

    In addition to Sales school, teach your agents a little about the underwriting process so that they have a shot at saving an account that goes bad.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  8. 3 people found this helpful  

    Careful what you're getting into

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Benefits Advisor in Elmwood Park, NJ (US)
    Former Employee - Benefits Advisor in Elmwood Park, NJ (US)

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

    Pros

    gives you sales experience
    9-5, flexible hours
    product is actually great and needed during this time of high co-pays and deductables

    Cons

    According to my old district manager it could take 6 months to make any money at all.

    NEED to have a nest egg of at least $10,000 in order to survive because of the lack of base pay.

    Making 300 cold calls to local businesses daily and stopping in 40 businesses or "dropping" while using your own gas and not getting paid is a real downer

    No coordination for what agent is working in what area, so you will end up calling or dropping 20 minutes after another agent has called or dropped

    Office does not look or feel like a "fortune's best place to work for" small cubicles, no heat, no support or training from "mentor" . just a few "Aflac" signs and posters

    Disorganized room of papers and contracts with a printer that tosses clients claims on the floor. Clients Social Security numbers and information are open for the entire office to see, DOES NOT LOOK VERY HIPAA FRIENDLY

    With the lack of income from the job they require you to pay for a test to get your temporary license (~$120) then after two months you are required to pay an additional ~$200 for finger prints and a permanent license. Cost about $320 dollars they want you to pay out of pocket while not making money just to work there

    Please research first and see if AFLAC is something you want to do, it is hard work with no compensation for almost half a year, no support from your agent and little to no training. If you can make it I'm sure its great, however if you don't already know someone with 50 employees that want to sign up for benefits or are a High School kid living with mom and dad who can afford to not make any money, skip on this and find a more stable sales job

    Advice to ManagementAdvice

    Fix your office and presentation, it's horrifying to see that clients claims and information are just laying around the office and you could be shut down for violating HIPAA protocols. A lack of training, pay and organization of territories will cause your already high turnover to go even higher. Tell people that they need to know someone or have a nest egg prior to signing up and paying your fees just to save them time and much needed money.

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  9. 1 person found this helpful  

    ASI Management @ Aflac are secretive & dishonest with contract employees, which are the employees doing the AFLAC work.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Account Services Coordinator in Columbus, GA (US)
    Current Employee - Account Services Coordinator in Columbus, GA (US)

    I have been working at Aflac as a contractor (more than 3 years)

    Pros

    decent pay is the only pro @ Aflac

    Cons

    Contract is just that... contract. Do not believe in the false promises of becoming part of the team, especially in the ASI Department. They tell you what they have to tell you to get you to accept the job, do their work & then continuously let you go until they need you again ... August-December months only.

    Advice to ManagementAdvice

    Dishonesty is not the best policy in business... Aflac leadership really needs to be changed in the ASI department due to the way it has been managed for the last 4 years. Managers should not be allowed to blatantly lie to contract employees just because they are not considered FTE. There should be some level of loyalty to human beings that are doing your work, underpaid at that, no benefits of any kind... all because they depend on their job/livelihood to pay bills & exist in life. Instead, the management team in the ASI department thinks they are untouchable & that they can treat contractors jobs & lives as if we are nothing. Ive never been around such pompous attitudes & holier than thou brats. I go to work & do my job, but the atmosphere & things I'm exposed to in the ASI department should be against the so-called Aflac way!

    Doesn't Recommend
    Negative Outlook
    Approves of CEO
  10.  

    Call Center "Just say NO"

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

    I have been working at Aflac

    Pros

    They offer great benefits to the employees, and have an annual Employee Appreciation Day where all employees get half the day off for a company wide celebration.

    Cons

    I worked in their call center in Columbus Georgia for about 5 years and I HATED IT! They have SO MANY requirements you have to meet and the managers do nothing but micro-manage. The time I was there I met my requirements but I know a few other people that had got written up because they missed meeting the requirement by just a point or two. Also, if you are good in the call center, you better like it because you are stuck there!

    Doesn't Recommend
  11. 1 person found this helpful  

    Great experience, terrible job.

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

    I have been working at Aflac full-time (less than an year)

    Pros

    Learn a sales skillset. Learn to generate leads. Learn how to represent a brand. Setting your own schedule.

    Cons

    No support for starting up. Compensation is entirely commissions-based; if you don't sell anything, you effectively work for free.

    Recommends
    Approves of CEO

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