The first step here is a group info session with a district or regional manager where they go over what Aflac's business is, what the day to day is like, and the commission structure. Recruiters avoid mentioning commission on the phone for two reasons first, they want you to see the opportunity for what it is a business venture rather than employment, and two they want the chance to persuade you to come on board. Managers will often talk about the claims experiences they've had helping people and then field any questions from the group and then take your resume and contact you to see if you want to interview for step two. This is the part where you are already hired, given the nature of the business Aflac has very little risk in taking on new agents as they almost always result in new business one way or another and as its 100% commission they don't have to worry about paying any dead weight (there is a reason they are able to pay out twice their administrative costs in claims almost every year). The only way I can imagine someone not getting invited to come on board is if they couldn't pass the background check or get their licenses. If you completely lack social skills or are completely insufferable they'll probably advise against moving forward, but district managers have quotas to meet for recruitment so anyone who signs the contract and can bring in at least one account is just fine, anymore is icing on the cake. Production is what matters here so if you think you can do it and can prove it you'll have no trouble here. Culture varies by office, but a can do attitude is required. The recruiters calling you are agents because they get a 5% override on your first few deals and district managers get an override for as long as your are below their level. This is not MLM you would have to recruit a tremendous amount of people to make a living on overrides so the motivation is still on new business.