Jump,
I get you're pushing Aflac because they've helped you right? Cool beans. But, firstly your HR MUST allow them in the door to even do presentation. Aflac only runs through companies or persons already involved (i.e. spouses with Aflac). Aflac has such a dirty reputation out there, that many companies hang up as soon as the name pops up on caller ID.
They also have some dirty sales tactics and many stories out there of slow pay or even worse, no pays. I know they have helped many people, but like I said, they aren't the only game in town. There are more affordable options out there. Aflac can only sell you their product, if you go to an independent agent, they will shop the market and find you the best options for you, the client.
Department of Insurance: What kind of insurance plan do you sell to your client?
Ethical agent/producer/broker: One he/she can afford