Combined Insurance Reviews

Current Employee – been working at Combined Insurance full-time for more than a year

Pros – A solid company with an honest and ethical core belief system. It is a fully commission job so if you are not working effectively then you are not getting paid. The support from the company exec's and the fellow agents is excellent. The unofficial company motto is "Do the right thing because it is the right thing to do"

Cons – It is commission so every Monday you are unemployed. Also there is no marketing to speak of and the products are not diverse enough.

Advice to Senior Management – Address the cons. Get some marketing out there!!!!!

Yes, I would recommend this company to a friend – I'm optimistic about the outlook for this company

Current Employee – been working at Combined Insurance full-time for more than a year

Pros – Good people, very supportive toward the sales force

Cons – Basically commission sales but with good products

Yes, I would recommend this company to a friend – I'm optimistic about the outlook for this company

Current Employee – been working at Combined Insurance

Pros – six month salary is great for starters

Cons – Un achievable base goals after six months

Advice to Senior Management – Change pay structure less front end more even

No, I would not recommend this company to a friend

Current Employee – been working at Combined Insurance

Pros – Great training on sales techniques, and they continue the training everyday with in office and in field training by TM's

Cons – Being a straight commission job you don't get paid for customer service but customer service is important to any good sales to keep sales on the books. Makes it hard to keep accounts on the books. Went to many customers that wanted to drop coverage because of lack of customer service but no incentive for agents to perform it with no compensation

Advice to Senior Management – Give some compensation for customer service, you need the service to get the sales and keep them on the books.

Current Employee – been working at Combined Insurance full-time for more than 8 years

Pros – One week intense training in Chicago is very good. Field training and support is available after the initial class room style training. Small stipend for first 6 weeks and great new hire bonus schedule that's realistic to achieve. Some leads provided. Great incentive plans. Benefits offered after 6 months to a year depending on the specific benefit.

Cons – Need to be highly motivated with good work ethic! Cold calling is a must! The leads that are provided are often over worked and cherry picked prior to distribution. The potential income is largely exaggerated. Name recognition is not what it should be competitively. Most importantly, one is often very surprised by one's expected paycheck. 100% commission job that's not a true con unless you don't understand that. 6 weeks of a stipend isn't much for an inexperienced agent. Don't leave a steady secure paycheck for promises of grandeur!

Advice to Senior Management – Need more competitive products. Need better broker compensation to help establish relationships. Need to be honest and realistic with recruits. Quality over quantity should become a business practice.

No, I would not recommend this company to a friend

Current Employee – been working at Combined Insurance full-time for less than a year

Pros – You set your on hours. Excellent commission for sales. You also get residual commission. Big push for salesforce right now. Excellent place to start for someone new to the business. Base weekly salary for the 1st six months.

Cons – Cold calling and canvassing is tough. Lots of rejection but you just have to keep going. The sales opportunities are there, you just have to find them.

Advice to Senior Management – Looks like you are heading in the right direction.

Yes, I would recommend this company to a friend – I'm optimistic about the outlook for this company

Former Employee – worked at Combined Insurance full-time for less than a year

Pros – Great training to get a head start with all useful tic-tac.

Cons – You will need to worked on over advertised people and getting checked by managers literally every single moment.

No, I would not recommend this company to a friend

Former Employee – worked at Combined Insurance full-time

Pros – Good Products not much else to add. OK training. Compensation just ok. Benefits are good. Best thing is 401k. Too much ra ra.

Cons – Lied to from day one. Told there was paid traing.Did not happen. Looked for ways to get out of paying it. Managers just care about overides.

Advice to Senior Management – Stop lying to potential employees,Start paying some salaries.

No, I would not recommend this company to a friend – I'm not optimistic about the outlook for this company

Current Employee – been working at Combined Insurance full-time for less than a year

Pros – Classroom training to get agents to set goals, create 'positive mental attitude". Some form of training is offered, which is basically unheard of nowadays.

Cons – Classroom training on canned sales pitch, ad nauseum. No or very little product knowledge/underwriting training. This blew up when I discovered management did not know limitations of coverage. In short time I was with Combined, a very high percentage of former clients we called on said they cancelled due to claims not being paid.

Advice to Senior Management – Divide up training to 1/3 to 1/2 sales, the rest divided up between product knowledge and underwriting.

No, I would not recommend this company to a friend

Former Employee – worked at Combined Insurance full-time for more than 3 years

Pros – As a seasoned independant insurance agent i can say combined insurance companies initial sales training is second to none. They stick to a simple sales pitch for the basic type insurance in their product line for the for the type of clients they market to and thier needs. because of the lead "cards" there is pleanty of potential clients to see but it does take the agent to turn on the car ignition if you know what i mean. The lead cards are not true lead cards as the rest of us out here are concerned in th brokers world but the good thing is its "free" people to see and in this economy free is always good try paying $500.00 to $1500.00 a month just to a face that might buy.

Cons – A gerat working oganisation works well when the "LEFT HAND KNOWS WHAT THE RIGHT HAND IS DOING" I am reffering to the sales managers and up. There is a differnce between being busy and being effective. Lets face it with all the meeting and confrence calls if we dont manage our time or prioritise correctly we become worn out being busy buy not efficient thats the reason for being burned out and broke. (high turrnover) why do i know this i was the top sales agent company wide ( U.S. life division 1998) with 465 life and disabiliy polocies sold in the 50 wk contest i had to have my ducks in a row. keep it simple build a solid foundation then you can build a great home you can be proud of and it will last we all want to see the fruit of our labor it just feel good and we do what feels good dont we?

Advice to Senior Management – Look out im coming bach to a state near you! Balance is the key to health, family, and our finance. Treat other as you would want to be treated. Easy to say but much harder to do consistanly.

Yes, I would recommend this company to a friend – I'm optimistic about the outlook for this company