Combined Insurance Reviews

Updated July 22, 2015
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Combined Insurance President Brad Bennett
Brad Bennett
30 Ratings

Pros
  • My father has worked for the company for 15 years, and now I work for a company that values a positive mental attitude and a team oriented work place (in 8 reviews)

  • Classroom training to get agents to set goals, create 'positive mental attitude" (in 8 reviews)

Cons
  • Door to door business approach outdated (in 11 reviews)

  • Territory managers have poor coaching skills and therefore micromanage their agents (in 12 reviews)

More Pros and Cons

69 Employee Reviews

Sort: Popular Rating Date
  1. Don't Be Fooled by them...EVER!

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Account Executive in Chicago, IL
    Current Employee - Account Executive in Chicago, IL

    I have been working at Combined Insurance full-time (Less than a year)

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    Pros

    You get a nice book in sales school which is a good read, and they pay for your breakfast in sales school.

    Cons

    While the training is "Sales school" is very detailed, it's only 1-week now. (Used to be 2-weeks and VERY thorough). Since you don't learn everything in sales school, the majority of your real training lies with your Territory Manager. Which can be hit or miss. If you get a TM who has been in the industry a long time and knows the pitfalls, you might have a snowballs chance in Heck! However, I was saddled with a TM who has never managed people before. Almost every policy I wrote in my 1st two weeks has been cancelled, so I'm getting chargebacks on them. Yes, Sales is hard. (I'm sure HR will reply to me as that's the reason for my discontent) However, when you ask for help or advice on how to become better, they just tell you to "Have more activity, see more people!" I'm sorry...Mules work HARD....Thoroughbreds work SMART! I'm not a MULE! If you can't be better by being smarter....then you're just a drone for them. There are very FEW exceptions to the rule, and those 'exceptions' are paraded around like they are God's Gift to Insurance Sales. What they don't tell you is that the company makes more money by having you burnout and fail, then if you stay and succeed. All while you're supposed to have PMA when current customers are complaining to you for calling them again and again. Don't be fooled by the "Free Leads" This is the ONLY company I've ever heard using their own current customer as an "Active" lead. (Especially when these people are being called once every 3 months so they can "Review your policy:) I once had a customer tell me I was the 3rd person from Combined to visit her in the last 3 months. No wonder she looked at me like I'm a fool. If you love working hard, love sales, and love the insurance game, this is still NOT the job for you. Any review listed here with comments in the "Cons" section are 100% accurate. (Especially about TM stealing accounts and writing illegal policies) If W. Clemment Stone could see some of the practices used today by field management, he would be outraged. (Especially when they use his name as a defense) Do yourself a favor and look elsewhere, there are much BETTER opportunities out there, and you deserve better for yourself.

    Advice to Management

    Learn how to actually grow your talent. If you took the time and efforts in the field to make your talent better, they might stay longer and have less turnover. Develop an actual true LEADS system. You just had a survey given to reps, and we all said the system is BROKEN! Hire TM's who have a clue how to lead and manage people. They will be able to help people more than just saying, "I need you all to write something today, or else!"

    Combined Insurance Response

    Jul 27, 2015 – HR Representative

    Thank you for taking the time to write this review. I am sorry to hear that your experience with Combined Insurance has not matched our commitment to being a great place to work. We would greatly ... More


  2. Get rid of Derek Jones

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Senior Management
    Current Employee - Sales Agent
    Current Employee - Sales Agent

    I have been working at Combined Insurance

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    Pros

    Sales School Training is great. But the constant travel and hotel stays with a commission only position is hard on the budget.

    Cons

    No follow through. Derek tells you what you want to here. Then nothing. Wants to bleed you dry everyday. You drive several miles for 1 appt. He is a smooth talker with no back done.

    Advice to Management

    Stop the parties.

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to give us your valuable feedback. I am sorry to hear that your experience with Combined Insurance has not matched our commitment to being a great place to work. We ... More


  3. Helpful (1)

    Sales Rep

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Sales Representative in Columbus, OH
    Current Employee - Sales Representative in Columbus, OH

    I have been working at Combined Insurance

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    Pros

    Flexible hours and no micro-managing

    Cons

    It is straight commission and a roller coaster ride. Also a lot of travel that puts a lot of wear and tear on my car and I spend a lot for gas.

    Advice to Management

    Need more support and more leads.

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to give us your valuable feedback. I understand that sales can be a challenging position. We support new hires by providing robust classroom and field training, free ... More


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  5. Helpful (3)

    HR Lies Senior Management Lies State Managers Lie

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Territory Sales Manager in Saint Louis, MO
    Former Employee - Territory Sales Manager in Saint Louis, MO

    I worked at Combined Insurance

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    Pros

    None none none at all

    Cons

    HR makes a big deal out of the rules in the employee handbook, but when managers drink on the job, lie on reports, steal business from the new agents and you notify HR, their response is we addressed it, but the same people keep doing the same thing, so bottom line HR doesn't enforce their own rules. Don't walk from this company but run. Run as fast as you can

    Advice to Management

    Be thankful you have a job there because you have no ability no skills an are extremely unethical so basically you could never work at a good company

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to write this review. I am sorry to hear that your experience with Combined Insurance did not match our commitment to being a great place to work. We would greatly ... More


  6. Helpful (6)

    By far the worst job I have ever had

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Sales Agent
    Former Employee - Insurance Sales Agent

    I worked at Combined Insurance full-time (Less than a year)

    Doesn't Recommend
    Negative Outlook
    Doesn't Recommend
    Negative Outlook

    Pros

    They are the reason I got my life, health, accident, and property and casualty license-which is the reason I have my current legitimate job in insurance

    Cons

    Before drafting my review, I tried to have a suppressed my sarcasm and agitation in my response. It is very difficult to do that, and describe what a poor opportunity this job is for 99% of those who will fall as prey to this company....as someone who read all of the horrific reviews on here before STILL deciding to give it a shot, it is my wish that you be VERY cautious as to what you are getting yourself into. I sincerely hope one person will reconsider, and possibly look for additional opportunities in an already tough industry (sales+insurance). Which, as I can see if HR's biggest rebuttal to negative responses on here (sales is tough). Well yes, sales is especially tough when the company you work for is a complete mess. First off, I would like to talk about the corporate training in Chicago. This is an absolute nightmare. Get ready to be roommates and sleep several feet away from another grown man or women, like you are living in college dorms again. Also, be ready to feel like you are in school again. But not college- the responses on here from HR about "extensive classroom training" is among the most absurd things I have ever heard. You are micromanaged worse than anything I have ever experienced in my 5+ years of college, and anything prior. As "students", you are treated more like children at a Kinder-Care facility. Expect strictly timed breaks and lunches, with some of the most monotone, boring lectures I've sat through in my many years of schooling. Then, what do you get to do when you go back to the hotel? Well, you will know not to go anywhere near the bar-since grown adults shouldn't be allowed to go have a beer and a meal. You will not have time to have a beer, and barely a meal-because when you get back you are scheduled (yes, you are literally scheduled even when you are not at the training facility) to perform homework assignments for nearly the entire night. We had several students actually go home after they found out that at age 50+ they would expected to complete homework assignments, unpaid, for the entire night, after training all day. Of course, our instructor found excuses as to why all of them mysteriously left....ironic that they all just had to leave at the same time, but of course it couldn't be anything relevant to them being smart and getting out while they could. You learn in a cult-like environment where you are expecting to scream and chant ridiculous things, all for the sake of "PMA" (Positive Mental Attitude). To further describe the massive disconnect between corporate and territorial and divisional levels, my territory manager even described this "excellent training" HR describes, as "memorization school" and "ridiculous". Next, we'll move on to all the fun when you return home! First, it starts with an extensive process to be reimbursed for your baggage fees. You will then start to find out all the talk about "this job is so great, you get to set your own schedule", is true. But, the truth lies in the fact that you will set your schedule from 8-9PM. I had some pretty good success in making sales in my short time with this company, but I will tell you right now between the wear and tear on your car and the amount of hours-you'd be better off looking for a position elsewhere if you can qualify for jobs paying 9/hr +. It is imperitive to your success that your life revolves around insurance. When you wake up, you will have a meeting with your "team" on most days. You are expected to call to make appointments after that time, then go to appointments scheduled for that day (often driving up to an hour and a half away-in hopes of landing a sale to pay for gas-which isn't reimbursed). Then when you get home, you are expected to call more, and more, to set appointments and prepare for appointments. Most of my days consisted for 8am-8pm workdays. As someone who considers themselves to be a hard worker, this is not where the problem lies. The problem is, when you are working these hours and not making money. For awhile, I thought I might be the only one...until I talked to all the people from sales school that I met and exchanged numbers with, and found they were sharing the opinion of myself and most of the reviews on here. This opportunity is sensationalized and is not what it is made out to be. Some will still be curious (as I was), even after reading my review and others, but I wish I had known some of this information prior to making that commitment and getting on the plane ride to Chicago. After that kind of torture at sales school and being trapped there (if you leave early, you will pay your own plane ride home), it almost seemed ridiculous for me to not "give it a shot". Fast forward to now.... I forwarded my letter of resignation (as I found nearly everyone from my sales school group did), and Combined took their good old time to process the letter and finalize my resignation. At first, I thought just due to it not being their priority. Then I learned that the shady waiver I signed, allows them to chargeback policies 60 days AFTER they officialize my unemployment. Them stalling the finalization of my unemployment, allowed for them to have about an extra month to allow customers to cancel policies (which happens often, after speaking to other people from sales school-opposed to the recruiter and local management that were misleading about the frequency of chargebacks). Now, quite some time after quitting Combined Insurance, I have a great job in the insurance industry. Don't kid yourself, sales is difficult, insurance sales is VERY difficult. If you put some of the things they teach you at sales school, and use it at a legitimate company-it could be somewhat helpful. Portions of my checks from my current job now go towards paying back policies that were sold by my Territory Manager during the "PAL ride-along week", as well as a few of my own. Do your own research on consumer complaints against Combined, there is a reason so many cancellations occur. At my new current position I have had 0 chargebacks. The last thing I will say, is that after this entire review (and reading other frightful reviews), if you are the slightest bit concerned about Combined, or even thinking about giving them a chance...find other employees to talk to! Don't be influenced heavily by tales told by management and corporate, because most are misleading. Goodluck!

    Combined Insurance Response

    Jul 9, 2015 – HR Representative

    Thank you for taking the time to write a detailed review of your experience. As you acknowledged, sales is a difficult career but finding success in sales can be a very fulfilling career. Our sales ... More


  7. Helpful (3)

    bad news from the get go

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Agent
    Former Employee - Sales Agent

    I worked at Combined Insurance (Less than a year)

    Doesn't Recommend
    Doesn't Recommend

    Pros

    Come with enthusiasm. They train with enthusiasm. And you will die with despair.

    Cons

    Every person except one I trained with is no longer with the company. They will say we get rid of this person, that person, things are different come on in the water us fine. With such high turnover what else could you say? It is a broken system and you are better off elsewhere.

    Advice to Management

    Really?

    Combined Insurance Response

    Jun 26, 2015 – HR Representative

    First, I would like to apologize for the delayed response. Thank you for taking the time to give us your valuable feedback. I understand that sales can be a challenging position. We support new hires ... More


  8. Helpful (3)

    If you are willing to sell your soul...this might be the job for you!

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Account Executive in New York, NY
    Former Employee - Account Executive in New York, NY

    I worked at Combined Insurance

    Doesn't Recommend
    Negative Outlook
    Approves of CEO
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    Pros

    Very high income earning POTENTIAL.

    Cons

    Cold calls, even though they tell you there are none. Training is good, but is not practical and once you're out of training they throw you to the wolves.

    Advice to Management

    Actually be manager and help the new guys.

    Combined Insurance Response

    Jun 26, 2015 – HR Representative

    First, I would like to apologize for the delayed response. Thank you for taking the time to provide your valuable feedback. We understand that sales can be a challenging career. We support new ... More


  9. Helpful (16)

    Recruiter

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Internet Specialist (Recruiter/Recruiting Specialist) in Glenview, IL
    Former Employee - Internet Specialist (Recruiter/Recruiting Specialist) in Glenview, IL

    I worked at Combined Insurance full-time (More than 3 years)

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    Pros

    There are none. It is a community of lies, hate, negative mental attitude and low pay. While reading this keep in mind this is as pro as I can get on the subject of Combined Insurance.

    Cons

    Being told to right multiple fake reviews on glassdoor is unethical and really sad. We were told in the recruiting department to lie on glassdoor in order to make us look better on the internet. Oh, I'm sorry on the Web, we were told not to use the word "internet" because that has a negative connotation. Get real. We were told to lie about the compensation and make it sound like it was a full time job with a base even though it is a stipend that ends shortly after the agents start.

    Advice to Management

    Advice to the highest level of management in the company, take a good long look at your management team. Gather them in a room and fire them. You might still have time to turn this around. We all know that the parent company isn't happy...

    Combined Insurance Response

    Jun 24, 2015 – HR Representative

    Thank you for taking the time to write this review. I would like to apologize for your experience while working with us. We have every intention of making Combined Insurance a fun and exciting place ... More


  10. Helpful (5)

    Interview Promises are a joke! No Salary! No Residual!

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Sales Representative in Hagerstown, MD
    Former Employee - Insurance Sales Representative in Hagerstown, MD

    I worked at Combined Insurance full-time (Less than a year)

    Doesn't Recommend
    Neutral Outlook
    Doesn't Recommend
    Neutral Outlook

    Pros

    Their products are priced well for families. Their target market is the individual or family. They are trying to get into the commercial side and compete head to head with Aflac. You get an Apple Ipad for your work that is loaded with the applications and slide shows for each appointment. Really cuts down on the paperwork. Very advanced system that is easy to use. Training is thorough.

    Cons

    Commission only after training. You get a territory to work. Problem is your upline will work it first for the "easy sales" leaving you to fend for yourself. No team work - you have to watch your back for someone to come into your territory and grab your business. Residuals are supposed to be lifetime, but I personally saw an agent go in and sell existing customers, and get a letter from them to cancel their previous service, thereby cutting off the residual of the previous agent. He didn't care, said the other agent probably wasn't there anymore.

    Advice to Management

    Do better hiding the contact information of current customers or make any sales made to them automatically belong to the signing agent (whether there or not) or to corporate. Agents are using this information (despite the do not call mandate) to resell, and upsell these customers. These are considered easy sales, and when bonus time comes around these customers are called for appointments and sales.


  11. Helpful (6)

    Disorganized

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Recruiter in Glenview, IL
    Former Employee - Recruiter in Glenview, IL

    I worked at Combined Insurance full-time (Less than a year)

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    Pros

    Met some great people and learned a good lesson about the insurance industry. Benefits are good as well as time off.

    Cons

    Recruiting is disorganized and management plays favorites. They don't want you to do well. If you aren't a chosen one you will be ignored. Pay is below standard and they give select information about bonuses.

    Advice to Management

    Treat employees better and they won't flee for their lives. Stop encouraging people to write fake reviews on glassdoor. Actually follow up with your candidates and quit talking behind peoples backs.



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