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This is how the Aflac scam works---they have a mass hiring program, and don't even pay min wage; so they get suckers to try and sell the product to friends and relatives-and they burn out in a few months-so then they get there name out for free---Please contact the IRS--this is a scam by Aflac to hire people for free----Don't be fooled --the company avoids paying employment taxes and benefits--it is not legal what they are doing-if they call tell them off--it's a shame when a big company abuses people like this who are looking for a real job---Shame on Aflac !!!!!!!!!!!!

Mark Dyson called me yesterday for an interview today, 01/24/2012, at 6:00 pm.  He found my information on the MD Workforce Exchange site--MD Unemployment.  Obviously, I'm canceling the interview.  I am not good at sales which was my first flag.  

I researched online and found Silverman Benefits Group at 2107A Laurel Bush RD, Suite 102 in Bel Air.  However, I was advised on the phone and in the email from Mark to go to Suite 104.  Furthermore, Maryland Insurance Administration's website lists Suite 102 as well as Eric's Producer License expired August 2011.

Hello,

I received the following email:

Hello-
My name is Barbara and I'm a manager with a benefits company based in Bel Air, MD and also to include satellite locations in Baltimore, and Wilmington, DE.

We have reviewed your resume on Career Builder and would like to discuss with you some of the career opportunities in management, sales, marketing and customer service that we have available right now.  We have quite a few positions available that we are looking to fill immediately and I think you'd be the perfect candidate.

We have an award winning mentor-driven training program and are eager to schedule you for a first interview.


Even in this economy, our business is growing and I think you would be an asset to our expanding organization.

Please contact me ASAP at the number listed below or by email.
I really look forward to hearing from you.

Thanks,
Barbara Bushman
An Independent Associate

(410) 459-8069





--

Barbara J. Bushman
Executive Vice President
Silverman Benefits Group
PH:    410 459-8069
FAX:  410 741-3209
bushman.sbg@gmail.com



I called them and scheduled an interview for Monday...however after reading these posts I believe that I am going to cancel.....I didnt realize that its a pyramid scheme.

I am not even going to get into all of why I think this is tomfoolery but I do need to ask a question...how many people have received an interview invitation via text message...WHO DOES THAT???

I have been brought in for the initial and second interview. I have my suspicions and have pulled back to analyze the situation. I know it is pure commision and was wondering first..what was the culture like in the Silverman Benefits Group and second..how do you succeed there and third...how much should you put aside before taking a commission sales job. In theory,  I think AFLAC has a great business model and their stock is widely held by many top mutual fund managers. Having said that, I need some insight into how Silverman's office really works. Is it just a boys club with leads given to an inner circle or can you make it if you bust your ass.

Where are some of the better AFLAC offices ? I am from Maryland.-Regards, Ravens Fan

Marc, I went to the AFLAC interviews ..both 1 and 2. I know it is a great company. They also show a video of you and about how you built your business. What kind of money did you set aside to start. It is pure commission and it can be very tough.At least initially. So I was wondering if you had any recommendations for the kind of money set aside to do this job full tilt.-Regards, Ravens Fan

As of this date they are still "mining" CareerBuilder at the very least, pounding to fill the "Introductory Seminars" for potential candidates. As of today Eric is claiming there is only one (1) training session prior to a formal "One-on-One" interview/offer which of course is prior to the training if selected.

The non commission based opportunities pitch is still being made although I can't validate whether these claims are now a reality, I haven't not been called back, nor have I attempted to call.  He did through numbers out for non-commission based opportunities of from $30k-$50k, and the ponders could make from $75-$115k. No light on pay structure (commission only or base w/commission) for the upper rates.

I must admit, the pitch was polished and good as far as the product (appears to be supplementary unemployment insurance to me as it was never really explained specifically what type of insurance he's hawking, disability, etc...?) the group is offering, but my concern is the method of earning. "Keeping an Open Mind" was stressed a number of times when discussing employment opportunities and expiation of job offerings. They too called me several times even though I specifically told them I was not interested in commission only opportunities. Will keep a link to this thread and post back after I learn more. If he is finally  looking for salaried based administration or base w/commission, this could be a worthwhile opportunity for some folks.

Got the same email, but I went out to check it out. If they do in fact at this point have salaried admin  jobs due to growth either I'll hear that or be on my way as well. Will post back with followup results.

Eric even warned of these reviews, "would you trust a bunch of people on forums or Forbes?".

The real question here is he a liar and scamming for commission only sales people?

As the email stated they have administrative positions. I personally, like probably many others, that I am only interested in non-commission only employment opportunities at this time. The line is call back, within a day if he doesn't call you back to see if you get the 2nd One-on-One interview/job offer. If you do, there is a one day training session and then you begin work.

If that is BS, I'll be making a few calls of my own and reaching to my friends in Annapolis to see how we can fix this. It's called bargaining in good faith. I don't think Aflac would want to be associated with a company or organization using it's name to lure people in for any of that nonsense.

Received the following email also:
Hello-
My name is Barbara and I'm a manager with a benefits company based in Bel Air, MD and also to include satellite locations in Baltimore  and Wilmington, DE.

We have reviewed your resume on Career Builder and would like to discuss with you some of the career opportunities in management, sales, marketing and customer service that we have available right now.  We have quite a few positions available that we are looking to fill immediately and I think you'd be the perfect candidate.

We have an award winning mentor-driven training program and are eager to schedule you for a first interview.


Even in this economy, our business is growing and I think you would be an asset to our expanding organization.

Please contact me ASAP at the number listed below or by email.
I really look forward to hearing from you.

Thanks,
Barbara Bushman
An Independent Associate

(410) 459-8069

Did you find out if they had any non commission only positions?

I got a phone call yesterday from Paul Thayman, and today from Barbara Bushman. They seemed pretty convincing, and i held high hopes for this interview.... until now. After seeing all of these " scam artist " blogs, I'm extremely disappointed. Within 24 hours of uploading my resume that apparently " exceeds all others" (according to Bushman) I received a phone call and an e-mail. However, the man called me from his "direct line" he says, which is : 443 834-4714. The interview I had scheduled was for March 12, 2012 at 12 p.m. I'm safely assuming I shouldn't go ?

Hey guys and gals!

I wanted to shed some light on Aflac and The Silverman Benefits group. This is the deal. Every Monday and Wednesday evening from 6 to 9 on Monday and like 5 to 7 on Wednesdays they have group recruting sessions. They call these sessions "leverage nights." The reason why they call them leverage nights is because the whole goal of recruting is build your own personal team to sell insurance. The thought process behind this is that by having more people on your team you will have more opportnities to make money because everyone knows someone who owns a company. The goal of Aflac if you didnt know is to bring supplemental benefits to a companies employees at no cost to the employer. If you have more people on your team you will have a better chance to get into more companies and offer more benefits which results in more money in your pocket!

Here is where the problem is....

Last year alone Aflac in the state of Maryland had like 1900 new recruits. Guess how many the second largest state had.....450!!! That is where our state let the ball drop! Aflac around the country does not act this way with its potential hires. They search through many resumes and hand select very few and train them for many months before allowing them to fully sell the products. With that being said Aflac in Maryland has been number one in the entire country for the last 10 or so years. The sales practices in Maryland are different and in someways not even complient with the rest of the country. I used to feel terrible calling people late at night telling them i was with the silverman benefits group when it was really Aflac. The entire market is saturated with underqualified indivduals who give Aflac a bad name.

Lastly and most important.....They will never and i repeat never not offer you a job. Even if you were a bum off the streets they will hire you. My only advice to anyone who is thinking about getting appointed with them is to make sure you either enjoy cold calling and marketing or you have a lot of friends and family that own companies with employees.

Residual imcome with this company does not exist...your no pay and your charge backs will not allow it!

Your stock is not worth much at the end of the day

Eric Silverman is a nice guy and is a great motivator. If you have the work ethic and the inner desire to be wealthy you can be by following his advice.

The first couple months will be rough!

Administrative positions at this company do not exist...Paper work is only filled out if a sale is made...you have to sell something first for that to take place and people do not hand out their paperwork to anyone to split the commission.

If you do not want to be contacted by Aflac/The silverman benefits group take your number off of your resume on career builder until you need to print it. This will only allow them to email you!

Aflac can be a very rewarding career if you have the right mentor. My district sales coordinator there only made probably thirty thousand a year if that.

***if you have any questions or concerns re-post and i can help you***

Lauren don't do it! I have been with Aflac over 10 years and Eric Silverman is shady and can't keep any agents because he's a moron. Aflac is awesome but steer clear from his "agency" which makes me laugh out loud. BTW, Aflac HQ wouldn't approve of his tactics.

Silverman "Benefits" group calls desperate vulnerable people who are looking for solid employment and he paints a pretty picture of what job details. They don't care about you & his tactics put any schoolyard bully to shame. They're the only region in Maryland who does this type of recruiting (yes he'll take ANYONE) and convinces these people to buy all sorts of products they can't afford so he gets a bonus & meets his quota on their sales. Aflac is great but call state office in Marriottsville for guidance.

I agree with everything you said in the above post except for the point that he is the only region that does mass recruiting. Dave morningstar preaches the same tactics around the state. Just to give you an example. Last year Eric Silverman had 519 recruits in his region, caroline morningstar had 124, bostick 163, klinger 198, jaeggi 238, fish 226, payne 147 and so on. The reason for the mass recruiting is that there is a direct correlation among mass recruiting and selling a lot of insurance. Yes, granted eric silverman does recruit the most, but this is a problem that is state wide that stretchs to the marriottsville office. Morningstar had 1803 total recruits last year in the state.  The 2nd place state had 661, third had 652, fourth 611, five place 559. Dave must not think that by bringing in a ton of new recruits word will get out on our recruiting process. he also must think that by doing this it will not give us a bad name with businesses in the area that get ambushed day in and day out with calls. associates at aflac dont even scrub any lists to make sure companies are not on a do-not-call list prior to them calling. I see some of them calling out of phone books!


Don't get me wrong.....

Dave morningstar and eric silverman are extremely good at what they do. They must think that by doing mass recruiting the benefits outweigh the cons. The question is whether or not this process can be sustained with negative press among the unemployed community as well as the business community. Only time will tell. As for now, Silverman is only at 68% of his goal for the quarter which ends in two weeks. His MPI numbers were not met with consistency last year and he is currently like 40 something in the country in sales when he is always top five. Is this the beginning of the end of an era for eric? Again only time will tell.
Thanks

I received a call from Mark Transparent (sp?) just yesterday.  Nothing was stated in the call that it was for AFLAC, but he pulled my resume from Monster.com and wants to schedule an interview.  While I didn't read all the previous posts, but many of them were on the nature of AFLAC's hiring process in this area.

Previously, I signed up to work with them, thinking it would be more of a nine-to-five kind of job.  It entails recruiting and working toward a residual income.  As with others of this type, there are different aspects to how you structure your "business."  You decide how much you put into it, whether you're willing to recruit others in your team, etc.  I wouldn't call it a scam, but I do wish they were more upfront about it, so that time isn't wasted when a person wants to decide if they want to take the opportunity or not.  I had a recent run-in with Primerica. Thought I was being interviewed for a "job," but I was actually being recruited into a pyramid.  I would say there is nothing wrong with this, if it's what works for you, but seriously, be upfront about it.

I received a call too, but it was  from an "Aflac HR" person's cell number.  Same deal...saw your resume on CareerBuilder, come in for a group interview at  2107-A Laurel Bush Road.

An insurance CE instructor made a valuable observation.  There are thousands of laws which protect an insurance buyer.  There are no laws that protect the new agent. I have represented Aflac for 9 years. the turn over is 300 percent.  My district has 15 agents.  Only 3 have been here more than a year. I have seen 2 agents lose their homes.  Sooner or later this is going to end up on 60 minutes.

I currently work for a corporate company and I did go in yesterday for a group interview and have received a call for a second. I have to admit it appears shady and I have major concerns. I hear Aflac is a great company to work for and they have many awards but is Laurel Bush Rd for real??? I don't think I want to leave a job that pays really well to work for one I'm not so sure about. What company let you make your own hours let's you use a personal e-mail and a personal cell without compensation? I don't know about most people but giving my personal information out doesnt hold well with me. Plus when I went in I saw a total of 3 people. A girl in the training room having people sign in someone in the "regional office and Eric Silverman who held the session. Where was everyone else? To many questions and my gut feeling is telling me not to go further. I did call the main 800 number on the Aflac sure so I know that this person does work for the company but still am I ready to give up all my hard work to go into a job that so many people question?