I have Bachelor of Business Administration degrees in Accounting and Finance and a Master of Art degree in Biblical Studies and Theology. I was laid off from an accounting firm in Dallas two years ago. I immediately posted my resume on the internet. I got a call from Aflac the day after I posted my resume. They wanted me to come in for an interview. I didn't know anything about selling insurance, but they said they would help me get licensed. To make a long story short, I went to the interview and was hired before the interview was over.
Before AFLAC, I had a credit score of about 800. After two years with Aflac, I now have a credit score of about 500. I owe several thousand dollars in credit card bills. I'm also an officer in the National Guard. I've been living on a $350 per month National Guard paycheck and credit cards.
I feel Aflac could be summed up by the word "pyramid." There is only a finite number of businesses. Most of those business who are potential Aflac accounts have already been "nabbed." There is always new businesses, but there is not enough to make Aflac a viable career option. Not to mention that Aflac mass hires. I feel the three common denominators of a successful insurance agent are ambition, talent, and a strong work ethic. However, all of these don't mean anything if the potential accounts aren't there. I know and understand that there are still some new agents making money with Aflac, but they are the exception to the rule.
Don't get me wrong, I enjoy working for Aflac. I think they have good products. But mass hiring of new agents has created a saturated market that prevents most new agents, even talented new agents from being able to get enough accounts to make a living. But then again, if a new agent has to find another job because of mass hiring, their is a manager eagerly waiting to inherit their accounts. So why would the management at Aflac not mass hire??? In other words, the rules of the game are designed to benefit those in management, not the starving new agent hitting the proverbial pavement from sun up to sun down everyday.
A coworker who I helped train recently interviewed with Conseco. She told them she worked with a very talented and knowledgable Aflac agent who may be interested in a career with Conseco. I subsequently received a call from Conseco wanting me to come in for an interview next week. They told me that they have pre set appointments and geographical territories that prevent agents from running all over each other like Aflac. They said I would be servicing pre-existing accounts.
I would like people to share their experiences working for Conseco. I want to know both the good and bad so I can make an informed decision. I would specifically like to know about how the preset appointments work with Conseco. I don't want to leave Aflac and go to work for Conseco only to find myself in the same delima. Should I switch to Conseco or completely get out of the insurance business?
Thank you for your input in this matter!!!
Before AFLAC, I had a credit score of about 800. After two years with Aflac, I now have a credit score of about 500. I owe several thousand dollars in credit card bills. I'm also an officer in the National Guard. I've been living on a $350 per month National Guard paycheck and credit cards.
I feel Aflac could be summed up by the word "pyramid." There is only a finite number of businesses. Most of those business who are potential Aflac accounts have already been "nabbed." There is always new businesses, but there is not enough to make Aflac a viable career option. Not to mention that Aflac mass hires. I feel the three common denominators of a successful insurance agent are ambition, talent, and a strong work ethic. However, all of these don't mean anything if the potential accounts aren't there. I know and understand that there are still some new agents making money with Aflac, but they are the exception to the rule.
Don't get me wrong, I enjoy working for Aflac. I think they have good products. But mass hiring of new agents has created a saturated market that prevents most new agents, even talented new agents from being able to get enough accounts to make a living. But then again, if a new agent has to find another job because of mass hiring, their is a manager eagerly waiting to inherit their accounts. So why would the management at Aflac not mass hire??? In other words, the rules of the game are designed to benefit those in management, not the starving new agent hitting the proverbial pavement from sun up to sun down everyday.
A coworker who I helped train recently interviewed with Conseco. She told them she worked with a very talented and knowledgable Aflac agent who may be interested in a career with Conseco. I subsequently received a call from Conseco wanting me to come in for an interview next week. They told me that they have pre set appointments and geographical territories that prevent agents from running all over each other like Aflac. They said I would be servicing pre-existing accounts.
I would like people to share their experiences working for Conseco. I want to know both the good and bad so I can make an informed decision. I would specifically like to know about how the preset appointments work with Conseco. I don't want to leave Aflac and go to work for Conseco only to find myself in the same delima. Should I switch to Conseco or completely get out of the insurance business?
Thank you for your input in this matter!!!
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