Aflac is not insurance. It is a solution to a need. The sooner you grasp this concept, the faster you'll succeed.
Aflac is a business-to-business (B2B) proposition. We don't sell insurance. We partner with businesses. So when you go out to do marketing for Aflac or Everwell, don't think of yourself as a salesman. You are a broker of needs. You're a consultant with a toolbox of solutions. And depending on who you're talking to, what you should say may be different from what you'd expect.
So... What is Aflac?
To Employers*
Aflac (or Everwell) is a business solution. In today's business climate, the cost and risk of running a business is higher than ever. The economy's been tough. The job market has been even tougher. Now with health care reform regulations, business owners face problems they've never had to face before. Using our free platform Everwell, you'll receive business solutions that will reduce costs and improve operations through a paperless, web-based, no-contract-necessary environment. (Our platform is not about buying insurance. It's a free service that provides HR support and benefit education in a post-Health Care Reform environment.)
Aflac (or Everwell) is a cost-reduction strategy for your business. Health insurance premiums have risen 20% annually for the past three years. MOD rates for worker's comp are expected to double in the next five years. Along with payroll (FICA) taxes, businesses are under assault! With Aflac, a business can reduce its tax liability, reduce worker's comp premiums, and shift away from higher-coverage health premiums while still offering employees access to equivalent coverage, all at zero cost. We also provide a free IRS Section 125 Cafeteria Plan.
Aflac (or Everwell) is a worker's comp reduction strategy for your business. Worker's comp premiums are based on taxable salary. By reducing taxable salary (with pre-tax deductions), a business can reduce its annual rates. But more importantly, having an Accident or Disability plan is proven to lower the incidence of claims -- by up to 40%!
Aflac (or Everwell) is a partner for Health Care Reform compliance. In 2015, businesses are facing new ACA mandates. So are individuals. As the largest enrollment force in America, Aflac benefit advisers can ensure employees understand the rules. Meanwhile, our free web-based benefit platforms can allow employers to maintain compliance with the laws without adding further administrative cost and burden.
Aflac (or Everwell) is an employee-retention and morale improvement strategy. 2/3 of employees are unhappy at their jobs. And half are willing to take a pay cut to move to a job with better benefits. Aflac will help businesses reduce costly turnover and avoid absenteeism and "presenteeism."
Aflac (or Everwell) is a benefits enhancement program. Benefits are expensive. And often not appreciated! With rising costs, some employers may be considering cutting benefits. Aflac grants an employer the ability to offer benefits without costing a dime! And unlike health insurance, Aflac's cash benefits paid directly to the consumer may be the only kind to prevent financial disaster if an employee is seriously hurt or sick.
Everwell is a brand. It is a business solutions platform powered by Aflac. Everwell provides small businesses with benefits and business solutions using Everwell.
Notice Everwell's logo is not a duck. It's a little doctor's bag with a smiley face. The idea? Everwell assists with the "whole health" of small businesses.
Confused? Just know this: Everwell is Aflac, and Aflac is Everwell. But by saying Everwell, you sound like you're representing a new technology platform, instead of representing the insurance company with the duck.
To Policyholders or Employees
Aflac is the world's leading provider of disability, life and supplemental health insurance. We're the type of benefit that pays cash if you get sick or injured. Unlike major medical, this benefit will pay you directly to provide for out-of-pocket medical expenses and lost wages as a result of being out of work.
With Health Care Reform, major medical plans have changed dramatically. In most cases, the quality of coverage has declined. Aflac allows a policyholder to pick and choose the areas of health they feel they are most in need: a younger person may focus on injury, a family-in-planning may focus on maternity, and an individual with family history may focus on critical illnesses.
To Health Insurance (Business) Brokers
Aflac is an insurance carrier with the greatest brand awareness and the highest loss ratio in the industry. Unlike our competitors, we provide a commissioned agent service representative to ensure personal attention and quality assurance for groups of all sizes. We also provide benefit statements, COBRA administration, web-based HRIS (human resource information system) platforms, and free Section 125 Cafeteria Plans for your client needs. By providing an Aflac voluntary option, you'll increase your earnings from your business clients by up to 20%.
To Networking Partners
Aflac is a partnership designed to increase revenue to your grid. An inevitable paradigm shift is coming. By 2018, experts anticipate that 1 out of 2 businesses will utilize a voluntary benefit strategy. It's just like the booming 401(k) market in the 1980s, while naysayers said "businesses will never do away with pensions!"
It's not a matter of if companies will do it. But a matter of when. And more importantly, who will introduce them to it.
Will it be the health insurance broker? The payroll rep? The financial adviser? Morgan Stanley already has a national contract for referring business to Aflac. So does Paychex. If you've got business clients, this is the easiest 12% you can possibly make. Introduce Aflac to your client and earn more passive income for the referral!
To Job Seekers
Aflac is a career opportunity. The economy's on the mend. I wish I could say the same for the job market. While more minimum-wage jobs have become available, opportunities for corporate middle-management roles are slim. And millennials have it worst.
Aflac is an internship opportunity. Looking toward the working world can be daunting. You might have a college degree. You might've even gone to a good school. But if your resume's primary highlight is your education, your resume looks about the same as every other college grad.
Aflac provides sales training and field experience through a Fortune 500 company. You'll build your resume by working with CEOs and CFOs of businesses directly. Ultimately, you'll have the ability to market yourself not as a former student. Not as an unemployed person. But as an entrepreneurial-minded professional proactively doing business as you further your career.
