Combined Insurance

  www.combinedinsurance.com
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Combined Insurance Reviews

Updated August 15, 2014
Updated August 15, 2014
128 Reviews

2.5
128 Reviews
Rating Trends

Recommend to a friend
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Brad Bennett
38 Ratings

Review Highlights

Pros
  • Combined truly believes in their training, they are a company full of a Positive Mental Attitude and they highly encourage enthusiasm (in 6 reviews)

  • Good potential for income, training is excellent (in 6 reviews)


Cons
  • Driving it is a door to door sales position so it requires you to drive to all your clients (in 9 reviews)

  • go watch the movie the Crazies there are the distric and territory managers (in 10 reviews)

More Highlights

28 Employee Reviews Back to all reviews

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  1.  

    Sales agent

    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    Pros

    Great commision structure great training

    Cons

    full commission not enough support for new agents

    Advice to ManagementAdvice

    offer base salary

  2. 2 people found this helpful  

    It could be a great company, but......

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

    Pros

    It opened a world of new experiences. If they ran the company the way they said they do-it would be an awesome experience. On paper, it looks fantastic.

    Cons

    You have to be very careful about your management team. Since the territory managers are selling-and competing-with you for sales, you will not get any of the internet leads from your TM-he or she will be too busy saving them for themselves. The leads they offer are going to be from existing customers who are exhausted from all of the calls to upsell them. If you do not have a strong area of clients to call on that you have developed yourself-forget about this company.

    Advice to ManagementAdvice

    Create a safer and more realistic sales plan. The idea of sending people out to cold call is not safe.

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  3. 1 person found this helpful  

    Some new people will like it, most experienced won't

    • Comp & Benefits
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Territory Manager  in  Atlanta, GA
    Current Employee - Territory Manager in Atlanta, GA

    Pros

    Positive mental attitude philosophy will help all in every endeavor

    Cons

    Management is the only carrot. No long term residual building

    Advice to ManagementAdvice

    You got your work cut out for you

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
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  5. 1 person found this helpful  

    Good 'ole boys club needs a new approach on sales, management, communication & respect

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

    Pros

    Employee's get a 40% discount in the cafeteria

    Cons

    I don't even know where to begin other than the compensation is terrible for administrate staff, it's literally a joke. 2% raise on my salary – no thanks, makes no difference in my paycheck. Communication around here goes like this: "well, that's not my job, no one told me to do that, I need you do this this and this and I need it now, etc.". No one tells you or shows you basic stuff - you have to find out on your own. The men walk around the office like they are God's gift to sales, give me a break! Men talk down to the women and it’s disgusting that HR will keep them around because they are good at what they do. They make promises and don’t keep them. No room to grow. One of the worst places I have ever worked.

    Advice to ManagementAdvice

    Retire. Allow for new and fresh talent to come in and apply a more modern approach to sales and business. Get over your big egos - none of you are that special. Thank your administrative staff - they do everything for you and they get no recognition in comparison to sales. Perk up the atmosphere - the motto; "healthy, happy and terrific" is a joke - people walk around the office looking miserable, they don't interact with other departments.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  6. 1 person found this helpful  

    Ehhhh!!!

    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    Pros

    This company has good and affordable supplemental products. Great bonus structure and mileage reimbursement. Agents are recognized and rewarded for their production.

    Cons

    What is taught in 2 week sales school is not dublicated in the field. Territory managers have poor coaching skills and therefore micromanage their agents. Management expects their agents to drop by new small businesses and sell the company and the product in 5minutes it is a hard sell because no one has heard of this company.

    Advice to ManagementAdvice

    Train your Territory managers how to be effective coaches. More advertising.

  7. 3 people found this helpful  

    So Very Disappointed...UGH!

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

    Pros

    The training is not the good part...everyone says so, but that's just the fact that they fly you to Chicago and put you in a hotel for 6 days with TDY paid. But the actual training sucked, as I was to discover later on.
    They do give you all of your materials, including business cards.
     It's a W2 not 1099, so if you don't want to mess with taxes at all (even if the other job is better), then go for it.

    Cons

    One of their biggest catch phrases is to "give them a year...we'll give you a career." Well, I can't give them any more of my time or I'd have to hand over my REAR on a silver platter.

    HONESTLY, if you can sell ice to Eskimos, you will do great. But if being a REAL agent/producer and helping people is what you like to do, then DO NOT work here. Everything will look great at first. You will be so excited to get out there and sell.You get a stipend for the first 3 weeks, then its all commission. Your "lead books" are just orphaned clients that don't even remember that they had a Combined policy, and when you remind them, they want to cancel...NOT upsell! It's all cold calling, which is (thankfully) aimed at small businesses. But with this age of OBAMACARE, people are wanting NECESSARY products, not OPTIONAL ones. I had so many problems with this company it seems unreal...but it was. For your sake and mine, I'll stop here. I was so happy to start my career here, but all I got was a huge letdown.

    Advice to ManagementAdvice

    For one, make sure your trainers are all teaching the same thing to the same classes. Also, the agents need to learn ALL the products IN THE CLASSROOM, not online.
    Next, MARKET THE COMPANY. PEOPLE DON'T BUY FROM STRANGERS!!!
    And treat your agents right. Give them a small salary for a couple of MONTHS, not weeks. They can't sell if they can't feed themselves.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  8. 4 people found this helpful  

    All They Care About Is Making Money / All Commission Job w/ no Salary or Benefits!

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

    Pros

    The initial training is good - they put you on a plane and send you to Chicago for two weeks all expenses pay. I did meet some really nice people, that seem to really care if I succeeded. In the initial week after you get back from Chicago your trainer or market manager will bust his butt trying to make sure you get your "initial award" in order to make everyone look good and prove to you that "Mr. Stones system really does work. The company is full of RA RA !! moments and you will definitely visit (drive) a lot of places the you didn't even know that existed.

    Cons

    After your first week in the field - It all basically on you!! They tell you, that you can make as much as you want to. However, that is not a completely a true statement - your selling a product that people really don't need. The people your selling to are basically living paycheck to paycheck and are on a very tight budget ($20 can be too much for them to pay each month). Your basically running around all day around town with a book going from business to business (cold) trying to sell a $20 accident policy. Most people are nice, but some are not. Your spending lots of money on gas and eating out and now with the new national health care law - people have to buy health care and combined products are not considered "Major Medical". This is not a good career choice - don't be fool by all the talk about making millions and making all your dreams come true. Your dreams will soon turn into financial nightmares.

    Advice to ManagementAdvice

    Share the wealth !! Give you agents a basis salary to help them get through the tough times. Give them benefits from day 1. People should not have to starve just work for Combined.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  9. 1 person found this helpful  

    All depends on the Market

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

    Pros

    Combined has a terrific training program and the fact that they ship you out to Chicago or one of their other training centers for two weeks teaching you the ins and outs says a lot about the company. The core values of the company are extremely solid and lets be honest, W. Clement Stone was an extremely intelligent and capable man.

    Cons

    Depending on the market you are looking to get into will determine the level of sales. The type of personality you have will determine your level of sales. If you are not comfortable cold calling, don't bother applying.

    The leads are not really "leads". They are merely active customers and lapsed customers with a few business leads thrown in there, most of which are several years out dated. I have however made quite a lot of money on the leads that were provided, all depends on how well you are with transitioning and pivoting.

    I worked with an amazing market director and territory manager, and I worked with a terrible one. It's a shame, but such is life, not everyone manages the same. The amount of time and energy your management team is willing to put into you will make a big difference in whether or not you will excel or even make it. From what I have seen there are far too many mediocre managers within the company spewing "immediate growth" out of their mouths instead of spending time training the agents and territory managers they currently have.

    Advice to ManagementAdvice

    Stop spending so much money on trying to "grow" the company. Spend more time and energy in training and developing your management teams, including but not limited to field training territory managers, ESPECIALLY DIRECT HIRES (which i was not). Checks and balances should be placed to ensure Marked Directors are spending time in the field with their managers and their agents. I do not believe you should direct hire market directors, they don't know the culture and it could have a catastrophic effect on that Market. Train them and hire them from within. Let growth happen naturally and therefore effectively.

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  10. 1 person found this helpful  

    This company definitely has problems!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    Pros

    The deficiencies existing in Combined leave room for great opportunities for growth. Meaning, if the glass is half empty, you have the chance to fill the glass full.

    Cons

    Local management can be incompetent. Also, this is a W2 position so your net pay can be challenging to live on if you don't sell enough.

    Advice to ManagementAdvice

    The paper process is too archaic. Upgrade to using technology.

    Doesn't Recommend
    Positive Outlook
    No opinion of CEO
  11. 2 people found this helpful  

    Not what it seems

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Territory Manager  in  Ontario, CA
    Current Employee - Territory Manager in Ontario, CA

    Pros

    Unlimited income opportunity. Solid training program

    Cons

    Difficult to market product because there is little perceived need. As a Territory Manager, you are required to recruit, train and develop and personally produce to maintain your own income.

    Advice to ManagementAdvice

    Requiring personal production and recruiting does not work. One or the other of these needs to be a priority to perform at a high level.

    Doesn't Recommend
    Neutral Outlook
    Disapproves of CEO

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