Combined Insurance Reviews

Updated August 26, 2015
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Combined Insurance President Brad Bennett
Brad Bennett
16 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  • Door to door business approach outdated (in 11 reviews)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

60 Employee Reviews

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  1. Helpful (1)

    don't think this is a 9-5 job. far from it.

    Former Employee - Account Executive in New York, NY
    Former Employee - Account Executive in New York, NY

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

    Pros

    it sounded great, all the potential you could make in sales. they do spend $$ to give you enough knowledge to pass the licensing exam. you get a paid trip to chicago for sales training. the trips and incentives are great if you can make it.

    Cons

    if you don't live and breathe the company, it'll never be enough for them. we are human, not robots. we do have a life outside of the company. it doesn't seem to matter. i don't need to be told how much other areas are making in sales every week. i also don't need conference calls for not making sales. the calls end up pinpointing the people who are struggling or might have other issues going on in life... but they're MANDATORY if you didn't make a sale, regardless of the reason. does it really matter what my reasons are? if i'm having problems with the job, i should be able to go to my manager and get help. i should be comfortable and have some sort of trust with my manager to get the help. but if you're new, you might not get that kind of treatment.

    Advice to Management

    for any new manager on a team, that person should spend time (not just a day) with each agent in the field right away. see what they do, how they make sales, make suggestions on how to improve. it will build a relationship, a kind of understanding. you can't just give a team a new manager and continue where the last manager left off. how do you know the manager before did well or did anything right? if the manager didn't have the skills to be a leader, we were left to fend for themselves. again, we're human. i know this is a business and needs to make money. when we don't make sales, the company suffers... and so do we. we don't need the constant reminder. one last thing. can you give us some sort of ID, badge, ANYTHING with the company logo on it that can be seen before we end up face to face with a potential customer? not advertising really hurts us, people not knowing we exist and we're not a scam. you're asking a potential customer to trust me and what i'm saying is the truth, even if i give them names of people they might know. anyone can show them a professional presentation. having something ahead of time is the ice breaker we need. complete strangers might see us as government employees (IRS, immigration, etc) or religious people. it's really difficult when someone is on the defensive even before i say "hello."


  2. contractor

    • Culture & Values
    • Senior Management
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee
    Doesn't Recommend
    Neutral Outlook

    Pros

    can't think of any pros

    Cons

    company culture and management style

    Advice to Management

    n/a

    Combined Insurance Response

    Aug 27, 2015 – HR Representative

    Thank you for taking the time to write this review. We are known for having a positive corporate culture that is family-like and recognizes and rewards hard work. We are sorry your expectations of ... More


  3. Helpful (2)

    Consider before applying

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Agent in Moreno Valley, CA
    Former Employee - Sales Agent in Moreno Valley, CA
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    I worked at Combined Insurance (Less than a year)

    Pros

    Combined does offer paid training and will send you to school for training as an agent. However, once you get back from training they leave you on your own.

    Cons

    it's commission only and if you decide to leave the company you have to pay back all your commissions for cancelled polices. They find ways to not pay their claims.

    Advice to Management

    Get Management that has the heart of the agents sincerely and not their own interest at heart.


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  5. Helpful (1)

    Good ideas bad management

    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurace Sales Agent
    Current Employee - Insurace Sales Agent
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    Pros

    Good training program you will meet a lot of new people that are willing to do a reallyt nice job.

    Cons

    Not management support, no really a good structure and you will have to work with your own resourses.

    Advice to Management

    Please do a good hiring process select good people do not hire people just for hire them do that and for sure you will have more succes in the Street

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to write this review. We strive to have top talent working for us and we are committed to recognizing and rewarding those who perform. We appreciate your recognition of ... More


  6. Did not hold up to promises

    Former Freelancer - Anonymous Freelancer
    Former Freelancer - Anonymous Freelancer
    Doesn't Recommend
    Negative Outlook

    I worked at Combined Insurance (Less than a year)

    Pros

    Positive Mental Attitude training is helpful

    Cons

    They made me drive much further than what was mentioned by recruiter. I ended up having to drive 100-200 miles/day and work endless hours instead of driving to the next local town as promised at recruitment. The position does work out for some people I am sure however there is the possibility that they will send you wherever they want and drive endless miles! My supervisor was not so friendly and my trainer was horrible, they both have spoken many falsehoods including my recruiter such as sending me to far away places which I did not want to do nor did I agree to and of course I did not get paid any commissions. The trainer who ended up quitting was a self righteous person trying to prove against racism and making me another target of that though I am not a racist. The trainer also had to feel that he was better than who he worked with. The super was I think a former ex officer who liked to pick on people and ended up slandering me saying that I did not want to work. The truth is that I did everything they told me to and worked overtime and drove much further than promised. I was on the verge of making some sales but the negativity from the super and trainer were overbearing, very much aggressive and bully types. If you like to fight with people and argue and have people try to push you around then maybe this is the job for you. Sales tactics very aggressive and coercive to customers, illegal practices occurring with this company from what I observed.


  7. Helpful (1)

    Insurance Agent

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Contractor - Insurance Producer in Birmingham, AL
    Former Contractor - Insurance Producer in Birmingham, AL
    Doesn't Recommend
    Negative Outlook

    I worked at Combined Insurance as a contractor (Less than a year)

    Pros

    Combined sends you to school. They pay for your hotel and school and airline.

    Cons

    Many territory managers take advantage of people out of sales school. They take them to business that really are not really able to pay for insurance. The main insurance that you learn about is short term disability. Most people do not keep this insurance and so I had a lot of charge backs subtracted from my account.

    Advice to Management

    Take a young insurance salesperson under your wing and help them find businesses that are solvent and able to pay insurance. Don't just think about yourselves and forget the newbies. Help them not get charge backs on their money.


  8. Helpful (3)

    Harder than it looks.

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - E-Agent in Uniontown, OH
    Former Employee - E-Agent in Uniontown, OH
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

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

    Pros

    Combined has a great history dating back to its founder. The training they provide gives you everything you need to start your career if you make an effort to learn what they are teaching you. I truly believed in the products they had and gave an honest effort I believe. People are very interested if you can get past the typical objections. Plenty of opportunity to get promoted if you sell the way they teach you.

    Cons

    It is supplemental insurance for the most part, people really don't have to have it. You spend a lot of your own money on gas and the miles add up on your car. Combined gives you a few week cushion when you start off, but you will need another source of income to offset the tough weeks.

    Advice to Management

    I believe that management should allow independent agents to provide their policies. The reason I don't think they would ever do that is because when a new agent starts and make the first initial sales, these are typically to close family members. When they struggle to sell policies past the first few and they leave the company, Combined gets all the residuals from the sold policies into the future. Keeping their agents captive means that as agents walk away, management keeps future money on the renewals.


  9. Helpful (1)

    Be about the employees, not just the bottom line, without them there is no Combined

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee in Chicago, IL
    Former Employee - Anonymous Employee in Chicago, IL
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    I worked at Combined Insurance full-time (More than 5 years)

    Pros

    Great benefits, passionate co-workers if allowed to shine, competitive products

    Cons

    Middle-Management lack true vision, and experience to take company to the next level. Executive team believes middle-management's advice on quality of talent within company. The real talent is not promoted, and those that want to advance cannot get in-house training as promoted.

    Advice to Management

    Harvest the true talent within Combined - there are many. Get rid of HR team, they are not seeking real talent or not compensating quality talent enough to stay around.

    Combined Insurance Response

    Jun 26, 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 did not match our commitment to being a great place to work. We ... More


  10. Helpful (3)

    bad company to work for

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee in Miami, FL
    Former Employee - Anonymous Employee in Miami, FL
    Doesn't Recommend
    Negative Outlook

    I worked at Combined Insurance full-time

    Pros

    flexible schedule, make your own hours

    Cons

    commission only, no leads, mandatory meetings even though they don't pay a salary. A lot of pressure to sell, lots of driving, don't recommend this company

    Combined Insurance Response

    Jun 23, 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


  11. Helpful (13)

    Don't buy into their lies

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Representative in Manchester, NH
    Former Employee - Sales Representative in Manchester, NH
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

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

    Pros

    Trip to Chicago, interesting training, new ways to "spin the truth" Most of the pros they give you will turn into cons tho so beware.

    Cons

    **Also You are forced into W2 so you can't claim anything tax wise. But, you can't sell any other products or insurance even if they don't compete. 1) The biggest lie here is the "You can set your own hours, work the days you want, etc" So it's true in a sense because they don't pay you an hourly wage but they expect you to work 40+ hours a week every week. Let me explain. They give you a town/city to work and expect you in the "field" from at least 8am-4pm mon-friday. Now on top of that they expect you to make calls at night to set appointments. they expect you to make night calls/appointments. They also expect you to go out on the weekend if you havn't got your goal for the week, and even if you get your goal for the week they pressure you to go out and work the weekend to make extra sales. Plus any meetings are mandatory and unpaid... There have been all day sales meetings and trainings and then they expect you to go make up for the time you lost. 2) Set your own goals- That is also a lie because they pressure you to do more no matter what your goal is. No matter how low or high it is. This is very frustrating because you can work so hard for a number or feel good about reaching it and they will say that it isn't enough or go tell you do double that the next day. It's all very impersonal and cold feeling. 3) Its door to door sales and cold calls. You can talk to 100 people and be lucky if you get 1 yes. Even if you get somebody to sign up now you have to hope that the application is 100% perfect or they will just throw it away. It can also get rejected because of their health so in reality you need to go though 500 people to get to that 1. 4) They don't pay claims- Just look up past reviews or just ask their customers. 5) If somebody cancels a policy you get a chargeback so now you have to go sign up 2 more people to even get a paycheck. 6) The renewal rate they pay is next to nothing. Which means you will always have to keep selling and there is no way you are ever going to retire from this. 7) The binder you need to sell the products along with all the applications makes the bag about 40-50lbs that you have to carry around and makes you look ridicilious. 8) Nobody likes the door to door so you will get treated like crap the whole time you do this job. Your selling a product that isn't affordable to most of these people for coverage that isn't worth the original cost. Which makes you feel worse about having to go around selling the product. 9) They lie and make it seem as if when you get this job people just beg to sign up and in reality your begging people to sign up and they are just going to cancel it the month after. 10) They are your customers- The biggest lie, it's their customer now! They send "your" customer mail every week talking about the new product and ways to sign up for stuff without your help online. But you can't even sell these products online....

    Advice to Management

    Don't just lie to people to get employees in the door and get the $500 sign up incentive. If you want employees to stay then they need to know what they are signing up for and not just the "dream"



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