I still have my duck. What's funny is my District Manager for AFLAC tried to make me carry the duck when going B to B prospecting. He thought it would be a good ice breaker. LOL I said let me see you do it. So me and him walked into a construction company and had a bunch of women working as secretaries and he opened the door and stuck the duck in and squeezed it before we walked in. They all looked at us like we where a bunch of rejects. Which we were seeing that we was working for AFLAC. We lost the sale right there and then. I dont think I ever laughed so hard in my life. He then insisted on doing it the rest of the day. Needless to say we didnt even come close to making a sale!
I still have my duck. What's funny is my District Manager for AFLAC tried to make me carry the duck when going B to B prospecting. He thought it would be a good ice breaker. LOL I said let me see you do it. So me and him walked into a construction company and had a bunch of women working as secretaries and he opened the door and stuck the duck in and squeezed it before we walked in. They all looked at us like we where a bunch of rejects. Which we were seeing that we was working for AFLAC. We lost the sale right there and then. I dont think I ever laughed so hard in my life. He then insisted on doing it the rest of the day. Needless to say we didnt even come close to making a sale!
That's funny! I have three people that were training with me in New York Life that came from AFLAC. They all made okay money and did alright, but they had your same complaints about oversaturation of agents. Next NYL meeting I'll ask them if they were ever told to open the door and squeeze the duck.
AFLAC supplemental for major medical lead generationGo to Top
I am thinking about selling Aflac or Assurant's Voluntary Mart to worksite employees by cold calling business owners and offering them a way to save money on Payroll taxes with section 125 while offering optional supplemental health benefits. As a secondary (and obviously more important) sale, I want to offer employees individual major medical coverage if they don't already get it through their employment. Has anyone used this approach to generate major medical leads? The idea is... if I can offer health benefits through payroll deduction without actually costing the employer any money and actually saving him money in taxes and unemployment it would be an easy way to open the door to that plus major medical coverage in some cases. What are your thoughts / experiences in this.
I can buy leads and make money, but in all honesty I feel like alot of time is waisted with internet leads. People rarely answer the phone, get contacted by many agents, and aren't the referral leads that we all prefer. They work, but I'm hoping for a better way.
Re: AFLAC supplemental for major medical lead generationGo to Top
Originally Posted by www.echolsinsurance.org
I am thinking about selling Aflac or Assurant's Voluntary Mart to worksite employees by cold calling business owners and offering them a way to save money on Payroll taxes with section 125 while offering optional supplemental health benefits.
I would suggest cutting Aflac and adding AIG. So you would have AIG and Assurant, a better combo IMHO.
Well i checked the commissions at AIG, and they are roughly half those of AFLAC. That gives me enough motivation to quack my way through life as a duck. :lol:
Well i checked the commissions at AIG, and they are roughly half those of AFLAC. That gives me enough motivation to quack my way through life as a duck. :lol:
AFLAC does not recruit insurance agents. They are more interested in getting someone in another profession to move into insurance. They do that because they are looking for lead generators for their DM's.
I carry Colonial as my supplement carrier, and will pick up Voluntary Mart in Jan. or Feb. when it becomes available here, in Georgia.
To get back to the original question, you are doing it the right way, just leading off with the wrong product. Go voluntary mart, then AIG or Colonial.
AFLAC offers great, up front commissions. Be wary of the charge back, the confusing commission statement, and the Blue Cross way of wanting to turn your client into theirs.
I signed up with them one year (to get the NAPA E&O insurance), didn't sell one policy, and they sent me a statement at the end of the year, that I owed them $20.
AFLAC does not recruit insurance agents. They are more interested in getting someone in another profession to move into insurance. They do that because they are looking for lead generators for their DM's.
I carry Colonial as my supplement carrier, and will pick up Voluntary Mart in Jan. or Feb. when it becomes available here, in Georgia.
To get back to the original question, you are doing it the right way, just leading off with the wrong product. Go voluntary mart, then AIG or Colonial.
AFLAC offers great, up front commissions. Be wary of the charge back, the confusing commission statement, and the Blue Cross way of wanting to turn your client into theirs.
I signed up with them one year (to get the NAPA E&O insurance), didn't sell one policy, and they sent me a statement at the end of the year, that I owed them $20.
I appreciate the feedback. Voluntary mart is in utah so I will just stick with them. The hospital and sickness indemnity policies aren't yet approved in utah so i'll just have to wait for them. I don't want to spend $3,000 to buy the laptop Aflac requires in order to sell their products without paperwork. Assurant (voluntary mart) allows you to download and install the software for free. Everything seems to be easier with them and commissions are just as good. The only reason i considered Aflac is because they are in all 50 states. Hopefully Voluntary Mart will be in the near future.
Ask Golddoor, but many businesses have already been bombarded with the AFLAC approach. If you're in a rural area, the market penetration might not be too bad and you might get some response. I'm unfamiliar with Voluntary Mart, but I have heard of Colonial. AIG obviously has name recognition, but I would not be a fan of selling for a company that markets direct online, though I'm captive and indies are probably more used to it. You might think about AFLAC if you're far enough from a major metro area that your area has be overly farmed out to all their new trainees.
My personal experience with Aflac
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