443-910-7436

Agents beware of AFLAC's associate agreement. It contains a arbitration clause that should legally be considered unconscionable. It states ANYTHING and EVERYTHING an agent disagrees with must go  through a mandatory arbitration process, no matter what the law says or how illegal it is in common, civil or criminal law.  It also states that IF YOU GET TO ARBITRATION...any and all documentation is kept in strict confidence.  This is why you can never find out any type of settlement cases about AFLAC.  I state if you get to arbitration, most of the time agent complaints are ignored.

So be ready to work hard, use your money for gas, phones, computers, and when you least expect it, to have your commission and any renewals ripped out from under you for no reason....why

TERMINATION BY NOTICE WITHOUT CAUSE - Either party may terminate this agreement at will, without cause or reason, upon giving 30 day written notice to the other party.  

800notes.com, Thanks for this opportunity to maybe help the next innocent agent that may get caught in Aflac's web.

What an experience I had with silverman/aflac business.  Brought in for an interview--a group.  Then asked if I wanted to go to training school, be sure and mark an x on your resume'.  I went for a second interview and it was couched as my strengths would be used and in demand.  The problem is...no one said the only thing they really want is marketing and recruiting (and for you to buy one of the policies.).  COLD calling was the way to get this done, I guess.  After my warm leads dried up...two days........  The thing I really found annoying was if you were up front about selling aflac with those you call...you didn't get any appointments because there were a bunch of others in front of you who had called.  Also NOT once was a resume' seen.  You had a list of numbers to cold call for recruitment.  You might win a chance to attend a bbq at the silverman house if you got 12 to show up in a certain period of time.  Again, NEVER once was a resume looked at by the caller or by the agency.  it isn't about you or the work, it's about money, only money.  ONLY MONEY.  Though my strength would NEVER be in marketing, the rest I would do great at!  Sad.  It is difficult to believe that aflac that claims to be a family type place would run this way.  The other thing that really bothered me  is this:  if you didn't have the success making appointments that the person above you had, you were the one saying things wrong.  (i.e. you simply weren't dishonest enough.)  I am so glad I didn't invest more in aflac. I certainly wasn't 'trained' or shown the ropes.  The assessment I received was that I am NOT coachable because I just couldn't be dishonest on the phone.

Got the call and said sure I'll come out to  2107-A Laurel Bush Road.  This is the follow up email I received:
Hello & Welcome!

This is just a quick reminder about your Aflac Interview.

Your interview will be held at the Aflac Regional office in Bel Air Maryland.

Date:Thursday, August 2nd, 2012
Time: 3 pm
Address: 2107 Laurel Bush Road Suite 104 Bel Air, Md 21015

Please aim to arrive early so that you can allow for traffic and any unforeseen weather challenges.
This should be very obvious, but just to be clear; which means a shirt and tie, dress slacks, dress shoes and dress socks (suits) for gentleman and the professional equivalent for ladies our dress code is business professional/business attire. Also, you'll find it helpful to bring a notepad, a pen and a highlighter.

Also, if you get lost or are running late, please do not hesitate to call! (Contact information is listed below.)

Finally, if something changes and you can't attend or are no longer interested, please call me.It is not only vital, but also very professional, to please notify me as soon as possible if you have any challenges and/or will not be able to attend so that we may plan accordingly.

If you print the Email it is 7 pages due to the following which is located 7 pages deep:
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Thought it might be worth my time to go out and get some practice interviewing in.......until I saw this Email (which is in 3 different colors also)  This email is the first impression of this company--Seriously????

Recruitment program bonuses are for the recruits. They earn iPads for opening accounts during their first few weeks. It's an incentive program for them, not the agents. You know, there are good doctors and bad doctors out there too. You choose who you want to see. Yes, there are incentives for agents to bring in more people, as well, but believe it or not, when you are taking time to train people out of your busy day... When you are also self employed, earning a minor 5% override for teaching and training others is nothing in comparison to the time and work you invest.

I have seen a lot of hard working people develop reputable careers... More than not, they tend to be the interns because they just WORK hard. I get irritated by a lot of the negativity I hear at this site. Every week, I spend more than half of my time helping new people canvas, learn to market, etc. they sit in my front seat. We spend my gasoline, we set appointments for them, and I just try to be as efficient as possible so that I can get my own marketing time done (thank goodness my personal experience helps make the time I need to spend less). I do this to help them learn and be successful and to teach them how they should be training their recruits. Not everyone at SBG works this way, but many of us do. Do not judge us all based upon experiences with a few people or information that is many years old!!!

I received a call from Byron Bartlett from 'Aflac Recruiting' (410-271-9936) on behalf of Eric Silverman who heads up the Bel Air, MD office. I was suspicious up front and very critical to the 'recruiter'. He said he understood my skepticism and that there was absolutely no sales involved. I begrudgingly agreed to an interview, which I had figured out was a group interview by the way he was speaking vaguely about the situation, and said he was breaking the rules by scheduling my appointment more than a week out. (aside: In what legitimate business is it normal practice to not make appointments more than a week out?)

At any rate, I had a bad gut feeling about the situation so I decided to do my due diligence. And I’m glad I did. Please keep the thread going, and post your experiences so that people can make an educated decision, and save themselves time and money.

Thank god I read this.  Eric real title is "Regional Sales Coordinator".  
http://local.aflac.com/eric_silverman/Agent/index.php

Laura Fisher calls me for an interview and I say ok.  I assumed they read my public resume and has an opening for a job that matches my skill set.  I asked for an email for directions.  I assumed a job description would be sent as well.  Nope.  So I call regarding job description and they give none.  What interview will not give out a job opening description???

Now I read this.  

Sounds totally like a waste of time unless you want a insurance sales job.  No wonder they won't send out a legit job description.

You are obviously a child who has not yet experienced the stress of being laid-off in a sluggish economy.  We ALL pay into the system while working precisely so it's there when we need it; I have worked and paid into the system for over 25 years (probably longer than you've been out of diapers), and I will not apologize to you or anyone else for receiving an unemployment check now that I need one while I search for a new position.  Not everyone wants a career in commission sales, and these calls are often misleading.  The recruiter that called me couldn't (or wouldn't) tell me what positions they are interviewing for, stating only that "the interviewer would know more about that."  Well I can tell you that every other recruiter I have worked with knows everything about the open position.  How much time did you waste writing that angry diatribe, anyway?  A person as successful as you so clearly are, surely has better things to do.  Oh and, by the way, your post is not all perfect grammar either smart guy; we don't always use perfect grammar and spelling when posting on anonymous blogs do we?  I do know that this site has proven one thing to me: I wouldn't want to work for Aflac if you are a model employee.

I started a month ago, it is strict commission sales with no wages.  you are responsible for paying for your training and any licenses in any state you make sales in. the training is 100.00 and your Maryland license is 59.00 and 70.00 dollars for the licensing test.  you cant conduct any business until you get your writing number.  they demand you be in the office at 7 am and some days stay until 7 pm and come in for recruiting on Saturday, all while you aren't earning anything for at least 3 weeks.  Gas gets expensive.  One thing that gets rarely mentioned is that when you do make appointments and "close the deal" is that because they concentrate on selling, they don't train you on the process for presenting and enrolling.  They send a "mentor" with you to show you the ropes.  through everything I sat through no one mentioned that the mentors would be taking half of your sales.  after 7 months of income its a big hit when you lose half of a 5000.00 commission to the guy they force on you to teach you.  They call you an independent contractor, which you are, yet they dictate your time and how you are paid.  I asked about the customer service positions the other day, even though I work for the agency no one could tell me about the position.

I know the potential is there, but I can't in good conscience recruit others for this job.

Dear Aflac Potentials,

As stated in ALL these forums, do not sign with AFLAC.  I also was taken in by the "Awesome speech of be your own boss, work independantly, work from home,make large amounts of income...the sad part is this is so far from the truth.  You do report to someone, they are called a district sales coordinator and a regional sales coordinator, next in line is the state sales coordinator (most of the time they are a relative to someone with in the company (director, VP, Pres, Corp secretary), the who's, who that never get caught because they do hide these individuals from any liabilities. Then AFLAC claims the contract you signed is one way between you and AFLAC, they get by with this by stating 3rd party are no included.  NOT TRUE, the 3rd party contract you never see attached to this is a person, company, that has been approved to license you as an agent, they process your premium through their website to AFLAC for processing, while all along stay invisible and safe.  START SCANNING THE SECURITIES EXCHANGE COMMISSION FOR INFO, IF YOUR LICENSE IS CANCELLED CONTACT YOUR STATE FINANCE DEPARTMENT AND REQUEST A COPY OF THEIR SUBMITTED INFO AS TO WHY THEY CANCELED, ALSO CALL YOUR STATE CONSUMER COMPLAINT DEPARTMENT AND COMPLAIN!  Most of all study your state statutes, most have updated these illegal procedure AFLAC attempts to pull on agent.  Also contact your local or federal court house, YOU CAN FILE YOUR OWN complaint against them.  Go to your local court house and get a copy to use, file this with your State DEPARTMENT IF FINANCE, they will make sure AFLAC receives your complaint.  AFLAC has to acknowledge your filing, if not, take your return receipt you will receive from the FINANCE department to the court house and tell them they have not answered your complaint, they will file other documents to them to have them they received your filings. If you make it before a judge they will make AFLAC proceed to arbitration.  It's a process, however, depending on how passionate you are, as to how they have treated you and kept your hard earned money, it does feel good of accomplishment.                            

Good Luck, stay strong, they depend on agents to not fight, easy money for them.

Has anyone dealt with Michael Mazziott? He was with Silverman Benefits. Very pushy and evasive.

That's why he hasn't been with Silverman benefits for over two years. He's an upstanding guy