Working for Aflac. Good or bad decision?

Gary was pretty close on his answer but it was not completely accurate. Aflac is considered supplemental insurance and in order for you to sell it, you will need to pass a 52 hour online pre-licensing course, pass your state insurance exam for life and health insurance, pass a background check and get fingerprinted. This may come to about $4oo - $5oo to cover your expenses. Once you get your license, it takes another week generally to get your writing number with Aflac. While Aflac does not meet the qualifications for Major Medical (which pays the doctors and hospitals but frequently leaves the policyholder with deductibles, co-pays and co-insurance), Aflac is still insurance. They call it “Insurance for your daily income protection” They sell a variety of policies including Accident plans, Hospital plans, Short-term disability, Cancer plans, Term and Whole Life plans, and many others. Since Aflac is not major medical, there are no deductibles, no co-pays, no co-insurance, no coordination of benefits with other insurance and there are no network restrictions. Aflac pays cash benefits directly to the policyholder for any covered claim. The policyholder then can use that money to pay their rent, utilities, cell phone, car payment, buy food or any other needs. They can also choose to use that money to help pay their medical bills. When Gary mentioned that Aflac pays from day one when you are sick, that is true with a couple of policies but not with the short-term disability. The policyholder can choose how long the waiting period is for illness but the minimum is 7 days so that people don’t try to collect disability for the common cold. The short term disability can pay from day one for an accident if the policyholder chooses that option As far as selling Aflac, Aflac is on the Fortune Magazine list of 100 best companies to work for. They do try to make it as easy as possible for the agent to succeed. That said, it really comes down to how well you can speak to people and connect with them. If you can connect rather easily to most people, it can take off for you. If you have a harder time connecting, it can take a lot longer. Since it is a commission job, you might consider taking a part-time job on evenings or weekends so that you have an income while trying Aflac. There is great potential to make great money with Aflac and there are several people who have been with Aflac for 10 – 20 years and longer. The question is whether that is the path you want to go. My brother is an Aflac Associate. Good luck!