You ARE self employed. You are NOT an hourly W-2. All Regional and District managers are also Self Employed. If you succeed, they succeed. They are INCREDIBLY HELPFUL the first YEAR to help you get your business off the ground. You WILL make what you put into it. It is NOT an MLM or pyramid scheme. It's not a get rich quick scheme either. You HAVE to work. The trainers, unlike what others have stated, are also self employed. They are NOT w-2. Aflac does NOT sell MAJOR MEDICAL insurance (like blue cross blue shield, Cigna, Aetna, etc.). It is SUPPLEMENTAL health insurance. The type that PAYS the policyholder in times of injury or illness. Us sales associates (who, once again, are self employed) DO get a savings on the policies they offer. For those screaming that agents have to keep buying policies for themselves to meet their goals is silly. They wouldn't have to do that if the agent is out there actually working!! Furthermore, Aflac will set GOALS for you--NOT requirements. If you don't hit a goal, you don't get fired or reprimanded, or any of the above. The training is INCREDIBLY THOROUGH. And, as a matter of fact, the training never ends. There is usually a meeting once a week to learn more tips. There's also several online, FREE, classes you can take through your agent portal. For someone to say there isn't enough training, means that person is not doing their due diligence to take advantage of these online courses provided by Aflac. The courses are usually quick, entertaining, and packed with helpful information for your business. Yes. You will provide your own leads; however, they will show you how to get them. And it's incredibly easy to get them--BUT YOU HAVE TO WORK. All these negative comments can only be coming from those who thought they'd get rich quick (which you definitely CAN, if you WORK). OR it's coming from those who have NO BUSINESS being in the sales world. OR it's coming from those who expect everything handed to them on a silver platter. Bottome line is, a sales position with AFAC can truly change your life in more than one way! You get to make your own schedule, the income potential is Wide Open--but remember, the more work you put into it..the more money you will make!! Aflac also gives each sales person shares in their company, it is based off of what you sell. It starts accumulating on day ONE. You will see all the shares you earned once you have been there for 12 months...and they'll do nothing but keep growing. You can cash them out whenever you want, or you can cash a few and save a few, or you can leave them alone and have will power to let them grow. Those who have been in the business for 20 years have retired as millionaires, and "close-to" millionaires, just on the shares they've earned over the years--which they chose not to touch until they were ready to retire. It's totally up to you! The commission structure is quite high when compared to most other insurance companies. For a person to say this is a scam or an mlm, etc., is just so incredibly incorrect. Those comments are being left out of ignorance to the job itself, the sales tools provided, how commissions work, etc. All they had to do was give it REAL effort. To do that is to WORK, to make sales, etc. Yes, agents can work together if they choose, and they can split up the commission any which way they like...from 10% to 90% between the two of them. Keep in mind, when you're in training, that means you are still in the learning mode. So when someone is training you, they will most definitely get a percentage if they are there to help close the deal, enroll people, do paperwork, whatever is needed to COMPLETE the process. They deserve to be paid a portion of the commission because, they too, are self employed. They do not get paid for doing any work for YOU. And, once you're all on your own, you don't have to split any commissions. If you CHOOSE to be kind enough to help a newbie out then you will be compensated a portion of the commissions of any sales you helped them with...but this is 100% YOUR Choice if you want to help train/work with some of the newbies. You do NOT have to. But it is nice to help others, and you'll need to remind yourself you were once a newbie too. Your district and regional managers are a phone call or text away ANY time you need help or have a question. So is AFLAC itself, you just pick up the phone and call for help if needed, or for more information on how something works. Whatever the case may be, someone will ALWAYS be available for you...even fellow agents are happy to help you in any way they can (commission or no commission). If you're in sales, or have always wanted to try working in the sales world, then AFLAC is a GREAT place to go! The sky is truly the limit on the income side of things. But you are your OWN limit when it comes to working each week. If you don't limit yourself, and you actually get your butt out there to work each week..then you will earn VERY NICE paydays!! Speaking of which, once policies clear, you are paid via direct deposit within 48 hours! You can have MULTIPLE paychecks and week!! PLUS, once your year is up, you'll start earning your Monthly commissions on your one year old policies, and it will only continue to grow. There are numerous agents who get up every morning, and before their feet hit the floor, they've already made $1K week without doing Anything at all!! That's just the renewals!! Sooooo....commission, shares, and renewals. THREE ways you will earn at Aflac.
