There is a huge difference between Aflac and Colonial. The biggest ones for me are that Colonial is more affordable, and their underwriting allows more people to qualify. If you're serious about helping your clients, rather than "selling" them something, this is important.
So I automatically make Colonial a part of every benefit program in my groups, I tell them Colonial is the best choice hands down.
I am a broker in Reno, NV. Most brokers here are lame, and too lazy to understand what voluntary benefits are really about.
While other brokers spend time studying other products, find a way to sell it and enroll it, only to discover they now have to service and support it, my Colonial team takes care of all that for me. They make me alot of $$$.
And while the other brokers ignore all the advantages Colonial brings to the market, I am out gaining new business. My Agency is up 31% in new business, and my local Colonial team is a big reason for that.
With Aflac, it's just a bunch of random salespeople who will quit in a short while anyway.
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I don't know if anyone really cares, but I met with an Aflac manager who is is fed up and moving on to something else. The pressure is too much as they've had three years now of slumping sales, plus losing literally 100,000+ accounts.
He stated that locally here in Reno, the Aflac agents are going to start competing against us brokers. They will be getting appointments with group health carriers and other group products and suddenly be another health broker out in the market.
A couple of Aflac agents do this already, but they can't compete with all the ways my Colonial team helps me.
However, it will annoy most of the other brokers (and businesses).