They have "trainings" where you are required to call people on their list and ask them to get involved with AFLAC - essentially asking you to sign up people who could be your direct competitor for an account.
Cold calling for the first three months are supposed to be the list of clients you have for the next few years to work off of and get them to enroll.
Cut Throat as you are required to put your contacts on a list - this does NOT stop someone else with this company from going into this account and try to get the account over you. This can cause hard feelings, especially when you've been establishing a relationship with an organization and someone else comes in and closes the deal and gets the income from the contact.
I found it VERY hard to live off of the income I received with the restrictions I was given by my managers.
There are NO specified territories for you to market to - you have all of the state, along with everyone else in the organization.