Combined Insurance

  www.combinedinsurance.com
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Combined Insurance Reviews

Updated August 15, 2014
Updated August 15, 2014
127 Reviews

2.5
127 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
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Brad Bennett
37 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

Employee Reviews

Sort: Popular Rating Date
  1.  

    I love my job!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Divisional Recruiter  in  Syracuse, NY
    Current Employee - Divisional Recruiter in Syracuse, NY

    Pros

    Merit Promotions, Unlimited Income, Unlimited Training, Mentorship, Great work environment, Awesome Benefits.

    Cons

    There is a learning curve. Mine was 3 months. Some people learned much quicker than I did.

    Advice to ManagementAdvice

    Keep doing the goal setting interviews!

    Recommends
    Positive Outlook
    Approves of CEO
  2.  

    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

  3.  

    I loved the work

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

    Pros

    meeting new people training is excellent

    Cons

    you get good compensation and leadership

    Advice to ManagementAdvice

    this is not a race you should not have to race out of the vehicle

    Recommends
    Positive Outlook
    Approves of CEO
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  5. 2 people found this helpful  

    Its what you make of it!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    Former Employee - Account Executive, Agent  in  Albany, NY
    Former Employee - Account Executive, Agent in Albany, NY

    Pros

    The advantages of working for Combined are the initial training of its products and sale culture or the PMA (positive mental attitude) philosophy.They are one of the very few companys with leads, and customers who expect to see you good or bad, no going after your friends and family. If you can sell here, you can sell anywhere, industry recognized. You can rise to management fast if you work hard, promotion by results not who you know!

    Cons

    The cons of working here now, is the plight of being assigned to someone who looks at you as a number and gives no learning curve support. You are an employee, but no time off policy or vacation policy.

    Advice to ManagementAdvice

    The upper echelon management must make Marketing/Territory managers accountable to the 4/8 week training of new agents to produce long term agents. There is no incentive for long time agents to move into management i.e 10 days vaca for year ( more than that as a new employee), small salary. Theres more freedom as an agent.

    Recommends
    Neutral Outlook
    Approves of CEO
  6.  

    Good job

    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    Pros

    Great benefits. Really loved my job; had many years with them.

    Cons

    Will merge offices to get rid of employees. Then you end up in unemployment line no matter how long you've been there

    Advice to ManagementAdvice

    Keep your long term employees as they are loyal

  7.  

    Where hope,ambition, desire and need come to shrivel, wither and die

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

    Pros

    People say the training is very good. I am not in agreement. It is designed to create stress. The classroom is fast paced and every night you mandatory groups and weekend class and study groups. You will learn approach script and scripts for common rebuttals. The classroom instruction does not match up with the field. That is a problem for the student.

    Cons

    The company is only as good as the territory manager. Many of the territory managers are not very good. You should have a good first week or two. When interviewing do yourself a favor, you interview you territory manager. Ask to see the sales reports of all agents for the past month, paper reports, not a verbal presentation of sales stories. As about turn over statistics, ask to talk to agents who have been with them , in your area for two years, not ten but two. The weakness is in the field and the management system. Be sure to look at the entire sales team. Be careful.

    Advice to ManagementAdvice

    I rated you low on everything. I am not angry but the opportunity is not what is presented. I have no opinion of the CEO and at this level of employment it is not relevant. You should get into the field and create performance standards for managers that are tied to agent success. Turnover is expensive.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  8. 1 person found this helpful  

    Worst company ever

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

    Pros

    None... They could care less about their salesforce

    Cons

    They set you up for failure

    Advice to ManagementAdvice

    None

    Doesn't Recommend
    Negative Outlook
    Approves of CEO
  9.  

    Cult

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

    Pros

    Training was kinda fun but really creepy. They worship the founder of the company like he is the second coming of Christ. Commission structure okay.

    Cons

    Products are crap as they are basically one size fits all solutions. Leads are terrible. Designed to sell a sub par product to low income individuals who don't know any better. High lapse rate. Made me feel like a skeezy used car salesman.

    Advice to ManagementAdvice

    Put out a real life insurance product and get your sales process into the 21st century. It also would be beneficial to let independent producers carry your products as ancillary or guaranteed issue options for DI and life

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  10. 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
  11. 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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