Combined Insurance Reviews

Pros

Great positive mental attitude atmosphere! Friendly work environment with people who are passionate about the success of the organization. The company also offers a great product that you can believe in!

Cons

At times there is a breakdown in communication with the sales force in the field as to the company's direction and initiatives.

Advice to Senior Management

Work to foster a more collaborative effort with the sales force in the field and the corporate team. This will help communicate the overall direction in a consistent manner. Lastly, continue to offer great products at a great price to the customers!

Pros

Great work life balance for all employees.

Cons

Not a very challenging work environment.

Pros

Decent benefits, casual atmosphere, easy to take time off.

Cons

No communication between management and employees, company does not care about employees

Pros

Combined truly believes in their training, they are a company full of a Positive Mental Attitude and they highly encourage enthusiasm.

Combined makes all commissions very clear and helps encourage staff to take advantage of relevant programs and offers that will allow for greater earnings, not just greater sales.

Management is all experienced in your specific position, so they understand your struggles and accomplishments.

Cons

Wrongs or "fuzzy" information about how training would be compensated.

The real biggest concern is if this type of position is for you. Personally direct insurance sales is not for me, but I don't blame Combined in any way. I liked most things about the company, and I would recommend them to somebody looking for this type of position.

Pros

Good talent on site. Good training program.

Cons

Poor compensation model for sales team

Advice to Senior Management

Introduce combination salary and commission for sales

Pros

You can make your own hours.
Lot of training that does provide a lot of knowledge.
They provide a per diem for training and take care of the hotel and travel.

Cons

Commission Only and training is UNPAID.
No benefits until 6 months.
Must work long hours and be very persistent to make enough sales.
Company does not back you and allows some things to go on that shouldn't.
Company culture is set up to make everyone, even your boss, compete against you.
Your boss, the TM, probably doesn't do things by the books and a lot are useless.
All costs are out of your pocket.
Company micromanages and requires a lot of check-ins and calls beyond your hours that you work.

Advice to Senior Management

Encourage a culture that does not turn everyone into piranhas. If you had a base salary, even a small one, would provide stability and a more relaxed work culture.

Pros

Sales school was pretty beneficial and a lot of the training I received for management was very good. They have good incentives

Cons

The products and high pressure sales tactics and management constantly pushing the numbers wore me out. I have a very strong work ethic and knew a ton of people is how I was successful but pay made it impossible for 95% of agents to even survive. I made as much as a District manager as I was told I'd make as an agent. I stayed as long as I did because I couldn't find a job somewhere else. Their customer satisfaction is low in my opinion. I dealt with customer complaints many times per day.

Advice to Senior Management

Be honest with your employees and quit deceiving. I didn't participate much in the hiring process because of guilt. Concentrate on quality rather than quantity.

Pros

Good lead sources.
Good underwriting and claim management.
Products are wanted in the workforce and are priced fairly for a simplified issue product.

Cons

Combined is an old established company and they are slow to make changes, but they are good at what they do. They need to upgrade their product portfolio to keep pace with the industry.

Pros

Great commissions, bonus's, very positive, helpful and ethical.

Cons

No base salary,no compensation if off sick, even if you have a Dr. note.

Advice to Senior Management

Consider having a base salary if you want to keep your sales reps.

Pros

-Commissions can be very financially satisfying.
-It is relatively independent work on a daily basis.
-Great opportunity to meet people and work outside an office environment.
-Bonus structure can make for a nice bump in pay at the end of a month.
-Success and performance are rewarded.
-Company provides all materials needed to sell and service clients
-Job training was exceptional and my bosses provide every opportunity for me to succeed.

Cons

-Straight commission sales, so you better sell.
-Constant micromanagement on a weekly basis.
-Conference calls and meetings are much to common, and time spent attending these meetings is not compensated and provides no opportunity to make commissions.
-Being door-to-door sales provides for uncomfortable situations on occasion. A large portion of the customer base is of a lower economic class, so expect to go into less-than-clean homes.
-No reimbursement for mileage or travel expenses.
-Long hours aren't required, as long as you're hitting your goals, but are often needed.
-Creating an environment of positivity seems to have developed into a culture of secrecy. Employees would just disappear and not come back without any reason being given to the rest of us.

Advice to Senior Management

Understand that people are working straight commission jobs for various reasons. Without a salary, management has no real hold over time commitments and needs to understand this. The training was great however and management needs to continue with its in-field training schedule.