Had an AFLAC rep come into work today and give us her pitch. Is AFLAC worth it? Aflac’s term and whole life insurance policies sold through work offer $500,000 of coverage to employees under 50 years old. Is Aflac worth it for a contractor? AFLAC is actually a Pyramid Scheme, where Managers get people to work under them and then make $$$ off of them. Unfortunately, I can't be of more assistance on that since I've been away from the company long enough that the conditions on the coverage will have changed and I'm not a good resource for what may or may not be covered.This was a very well worded and thoughtful response. Worth it!What does AFLAC pregnancy coverage provide?This is exactly what I read in there paperwork and what the agent told me at my last job. Here’s what you need to know about this coverage, to help decide if it’s something you should consider. The only reason I'm 'former' rather than 'current' is because it turns out I'm great at servicing but bad at sales. Invest any $$$$ you'd put into AFLAC and you'd be much better off!Is Aflac worth it for someone like me? I learned that I don't qualify for the cancer coverage (you have to be 5 years cancer free, which I am only 2).
Whether that means its a scam depends on your perspective.I wonder though if there are other companies out there that do things like AFLAC, without all the glitz, that may be more frugal. Aflac Will not pay your medical or doctor expenses, but they will help you keep your rent, car, insurance and all other monthly expenses. Aflac life insurance through work. like, I use marijuana, but never work or drive under the influence, but that stays in your system for a while. If she had a cancer insurance policy, these out-of-pocket costs may have been covered. There are many reasons for this success, including the wide variety of products, low cost, little paperwork, speedy claim turnaround, and yes, even the duck. And this!" I felt skeptical. I was hired and "Manager" told me there were just 3 people in the sales office for the whole region...well there were actually 12 with another office next door with 12....also, they won't list companies that have been approached by an Aflac sales rep..sooooooo, a saleperson goes to a company only to be told they had 10 people that month trying the same thing..its quite embarrassing. For the accident policy, specifically, it's the best fit for people who work in an industry with a lot of physical activity or an element of risk (i.e., lots of driving), or who have hobbies/interests outside of work that can be accident prone. So...maybe not cost effective through 2. :-/Yes, it's cheap, but you're asking for $240 per year from me and I want to see that it's a benefit to me.It is astounding to me that there is a company out there who says "We'll pay out if you get pregnant" to people who are actively trying to get pregnant.My problem with the ladies is exactly the same, I'm great at servicing but bad at sales...As for the fine print, did the agent give you a copy of the product brochure? I’ll earn somewhere between 40-50k this year. I would check them out via the internet and research any class actions lawsuits and complaints against them. How much a company is worth is typically represented by its market capitalization, or the current stock price multiplied by the number of shares outstanding. My wife has these coverages. There’s definitely a good risk of injury, both minor and serious.I would also look into an accident policy.I’m 28M. Very limitedly!! I do labor contract work that carries a certain amount of risk.
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