Look at the Duck

Aflac’s brand recognition is nearly unmatched. The Aflac Duck is in the Advertising Hall of Fame. Folks know the name, but many have no idea what they do.

My primary customers are small businesses with 3-25 employees. These folks run the American economy. They know how to make a budget, and are quite aware of what they can and cannot afford. They would like to provide more benefits to their employees but don’t know how to make it work financially. Dental and Medical insurance are maybes. Life insurance is most often out of the question. They keep their base of operations small because they can’t afford to make bad hires. Every decision is carefully considered and budgeted.

It would be nice if some larger companies (and state governments) operated the same way.

But that’s neither here nor there. The point I’m making is this: The exact same business owners that would benefit the most from Aflac don’t know what Aflac does.

That’s why I’m writing. If you own a business, it’s time to take a look at the Duck.

1.) You don’t have to pay for it

                This is the most common misconception about Aflac I get when I go into a business. Shields go up and the business owner tells me, “I can’t afford to add any more insurance options right now.”

                This is especially true if the owner is already paying for health or dental.

                Aflac is supplemental. It pays employees directly when life strikes with a blindside hit. Employees choose and pay for their policies. Payments are deducted out of their paychecks, often pre-tax.

                The business owner doesn’t have to pay a dime.

2.) Aflac provides benefits your employees need

                Many of my clients are in construction or contracting. They do the work that powers America, and has continued powering America even as the rest of the country has shut down due to the pandemic.

                If I break my thumb tomorrow, I’ll come to work with a cast and a story. My clients would be out a paycheck for 4-6 weeks. I also have much less of a chance of breaking my thumb than my clients. I stare at a computer screen most of the day. They spend their days busting through concrete or crawling under decks.

                Aflac’s accident policy puts cash in their pockets that could help them get through that period that they’re not at work. It could mean the difference between paying your bills on time and missing a mortgage payment.

                If I got Covid-19 or the flu, God forbid, I could do most of my work from home. Many of my clients, once again, would be out multiple paychecks. It takes months to qualify for federal disability. Aflac’s short-term disability policy can kick in the day of an accident or just a week after diagnosis of an illness. A half month of benefits could, once again, help employees make their truck payment while they’re waiting to get cleared to return to work.

                In short, workers need Aflac to protect their paychecks. They can get coverage for just 3-10 dollars a week, depending on how much protection they choose.

3.) Aflac helps with recruitment and retention

                It’s hard to find quality employees. Applicants want to see job postings that include benefits. If you add Aflac, you can advertise that. Just by saying, “We offer Aflac”, my clients have seen recruitment, retention, and morale improve.

                Employees who had little interest in adding Aflac for themselves were able to get cancer policies for their spouses and families. Folks who have no life insurance coverage can get it for just a few bucks a week, and don’t miss that small amount since it’s deducted directly from their paycheck. Families feel better when they have an affordable safety net underneath them. It’s easier to soar if you’re not staring into the abyss of the unknown.

                Happier employees and higher-quality recruits=less stress for business owners.

4.) It’s optional

                Few business owners enjoy arguing with employees about insurance. Trying to manage employees in different stages of their lives can feel like herding cats. When business owners hear the word, “Insurance”, they think they’ll have to be the referee in a fight to pick a single plan that everyone could be happy with, the way they often have to do for dental or major medical insurance.

                Put the striped referee shirt back in the closet. Aflac isn’t mandatory. If employees aren’t interested, they can say “no thanks” and move on with their days. You don’t have to get it, either. As long as there are three total people who get it, you’ve got yourself an Aflac account.

In conclusion, you have likely seen the Aflac Duck all over the place. Now that you know what it is, isn’t it time to learn more? Give me a shout. It’s certainly worth a 15-minute appointment to get more details.




Rudolph Lurz is a former teacher and football coach with over a decade of experience in education and a doctorate in Administrative & Policy Studies. His insurance firm offers options from numerous national carriers such as AFLAC, AIG, Americo, Mutual of Omaha, John Hancock, Foresters, Prosperity Life and Athene Annuities. He is licensed and insured in Virginia, West Virginia, Pennsylvania, Illinois, and Florida (and can provide referrals for customers in other states). He focuses primarily on life insurance, supplemental health insurance, disability insurance, and annuities. He lives in Roanoke, VA with his wife, daughter, and cat.

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