Aflac Independent Agent Reviews

Updated May 27, 2020

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2.7
33%
Recommend to a Friend
50%
Approve of CEO
Aflac Chairman and CEO Dan Amos
Dan Amos
54 Ratings
  1. "Not a good fit for me and my household"

    2.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Former Contractor - Independent Agent in Jonesville, MI
    Doesn't Recommend
    Neutral Outlook
    No Opinion of CEO

    I worked at Aflac for less than a year

    Pros

    Great group of agents at my local office

    Cons

    commission only earnings, and my "leader" stated I wasn't giving enough of myself to the position, so she wasn't really helpful or encouraging.

  2. "Aflac Review"

    2.0
    Former Contractor - Independent Agent in Glen Allen, VA
    Doesn't Recommend

    I worked at Aflac for less than a year

    Pros

    The have and do offer some products that can be pf help to those covered by them.

    Cons

    The time commitment up front is tremendous along with no paid training.

  3. Helpful (1)

    "Bottom line all that matters"

    2.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Former Contractor - Independent Agent in Boston, MA
    Doesn't Recommend
    Disapproves of CEO

    I worked at Aflac for more than a year

    Pros

    Generally friendly workforce; coordinators supportive.

    Cons

    Good luck making it through the first year (or two) without supplemental income. Sink or swim.

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  4. "You're on your own"

    1.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Former Contractor - Independent Agent in Chesapeake, VA
    Doesn't Recommend
    Neutral Outlook
    Disapproves of CEO

    I worked at Aflac

    Pros

    Working for AFLAC is best left to people who already have jobs but want to add a "side hustle", or people who like to network just for the sake of networking. You'll meet a lot of great people while prospecting, though very few will purchase. The best thing is you can set your own hours.

    Cons

    Poor training; low level of support; over-saturated market with no territories assigned; constant paperwork/eligibility issues with headquarters. The agent help line is just as frustrating as any customer service line, with long waits and sometimes staffed by unhelpful or incompetent workers. The only thing these managers care about is you getting your close contacts to buy from you and then they move on to the next batch of new agents.

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  5. Helpful (5)

    "AFLAC: This Duck Doesn't Always Fly"

    2.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Former Contractor - Independent Insurance Agent in Austin, TX

    I worked at Aflac for more than a year

    Pros

    Independence: You make your own schedule, and work when you want to work. Earning Potential: Basically, unlimited...But there's a catch (see below). Established company with excellent reputation. Quality products, backed-up by company commitment.

    Cons

    If you are a very motivated sales-person who likes people, can deal with (constant) rejection, doesn't mind ambiguity, and has the time and finances to make it work, you can do well at AFLAC. Otherwise, forget it. As a new Agent, you have some support from a local business unit, but are basically on your own. Training is done through local business units with some very minor coordination from corporate, but not much. If your trainer is not a qualified corporate trainer (mine wasn't) then you won't really learn much (I didn't). For example, although AFLAC policies are now written almost exclusively through a digital platform, we did not open our laptops once in 3 days of "training." I walked out understanding less than when I walked in. Local conditions will also enhance or hamper your success. In my city (Austin), there are 3-4 highly successful agents who have locked-up a great deal of business. Since there are no official territories, you'll be working against their efforts as well as numerous other new agents who are always being hired (because others are always quitting; it's a constantly spinning revolving door). In addition, you get NO sales leads, so every call is basically a cold-call. You're walking into businesses, interrupting their day, and trying to set-up meetings. Even if they approve a meeting, there's no guarantee that the employees will buy a policy (unless the company agrees to purchase them. On the later point, AFLAC has recently shifted to emphasizing that employers purchase a Defined Benefit Contribution for all employees, meaning that the employer is paying for the supplementary benefits. This is a 180-degree shift from previous years, where one of AFLAC's biggest selling points was "Insure your employees at NO cost to your business." For small employers, the Defined Benefit Contribution plan is a tough sell. Most importantly, it takes AT LEAST 12-18 months to really see solid success with AFLAC in terms of your income stream and cash-flow. If you have a large nest-egg to draw from, or a working spouse, this can work...But if you have no other source of income, it's basically impossible as compensation is 100% commission-based.

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  6. "Run"

    1.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Former Contractor - Independent Agent in Winchester, VA
    Doesn't Recommend
    Neutral Outlook
    No Opinion of CEO

    I worked at Aflac for more than a year

    Pros

    Set your own schedule for work Commissions paid in advance

    Cons

    1099 contracor No leads Oversaturated to the extreme You will go broke and run yourself ragged seeking rhe great pay they promise.

  7. "Solid Company offering the Best"

    5.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Senior Management
    Current Contractor - Independent Agent in Carol Stream, IL
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Aflac for more than 10 years

    Pros

    Company support, IT enhanced with platform support

    Cons

    Tough starting, initial process and scheduling are of the utmost importance

  8. Helpful (1)

    "Don't believe everything you hear. And see."

    1.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Current Contractor - Independent Agent in Los Angeles, CA
    Doesn't Recommend
    Neutral Outlook
    Disapproves of CEO

    I have been working at Aflac for more than 3 years

    Pros

    great brand, well known and trusted, enthusiastic recruiting

    Cons

    This is a HARDCORE sales job -- canvassing and cold calling. There are "mandatory" meetings and training to attend even though you are NOT an employee, no salary or support. I was desperate. Don't be. I wasted 3 years shady practices to make sales are widespread, and accepted in the culture

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  9. "Over Saturated Market"

    3.0
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Compensation and Benefits
    • Senior Management
    Former Contractor - Independent Agent in Conyers, GA
    Doesn't Recommend
    Positive Outlook
    Approves of CEO

    I worked at Aflac for more than 3 years

    Pros

    Great product training, good support, decent commission

    Cons

    Over Saturated market. Every business has "already talked to Aflac." There are no territories, so every area is free game and there are no rules to govern it.

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  10. Helpful (6)

    "Entirely Commission Based"

    2.0
    • Work/Life Balance
    • Career Opportunities
    • Compensation and Benefits
    Former Employee - Independent Agent in Garden City, NY
    Doesn't Recommend
    Neutral Outlook

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

    Pros

    - Set your own schedule - Work as often or as little as you like - Offer quality products - Doesn't require experience

    Cons

    - Salary is entirely commission based (may have changed since I worked there) - No medical benefits as you're an independent agent - Market saturation - All local business owners have been called and are typically irate.

Found 114 reviews