Combined Insurance

www.combinedinsurance.com
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Employee Reviews

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  1. 1 person found this helpful  

    Combined Insurance

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Sales Representative in Grand Rapids, MI
    Current Employee - Sales Representative in Grand Rapids, MI

    I have been working at Combined Insurance full-time (less than a year)

    Pros

    the 2 week training in Chicago is great
    good commission structure
    great insurance policies that actually help people in times of need
    on going training

    Cons

    company doesn't advertise at all which makes it a more challenging sell
    don't provide money for gas

    Positive Outlook
  2. 1 person found this helpful  

    Great team to work with!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Insurance Agent in Johnston, RI
    Former Employee - Insurance Agent in Johnston, RI

    I worked at Combined Insurance

    Pros

    They sold affordable insurance policies that were of great value!

    Cons

    Insurance is an industry with high turnover for a reason- it's a tough gig!

    Recommends
    Positive Outlook
    No opinion of CEO
  3. 1 person found this helpful  

    Not as it seems

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

    I worked at Combined Insurance

    Pros

    Nothing to speak about at all!!!!

    Cons

    This company is all about glorified kool aid sessions and bragging about numbers agent produces. A person can write 12k in med supps but what is not mentioned is the fact compensation is only $25 each one regardless of size especially if they are out of the registration period. If you are use to making 40k a year then this is the place for you. Seen atop producer YTD and this person sold 100k in volume and he did not clear 25k. Hoe can you be happy with that? This company truly BLOWS!

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

    Old fashioned and antiquated Territory Mgr

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at Combined Insurance

    Pros

    Decent training some support and room to move up

    Cons

    terrible opportunity still collected money. Old leads very worn out. Very high turnover

    Doesn't Recommend
    Neutral Outlook
    Disapproves of CEO
  6. 3 people found this helpful  

    There was a big disconnect from concepts taught in their sales school and what goes on at the local level.

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

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

    Pros

    You can make a living if you work really har and they do provide benefits and take out taxes.

    Cons

    High turn over of agents and managers.

    Advice to ManagementAdvice

    Possitive Mental Attitude should be everywhere and it's not.

    Doesn't Recommend
    Negative Outlook
    Approves of CEO
  7. 3 people found this helpful  

    Way too many chargebacks!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Anonymous Employee in Haverhill, MA
    Former Employee - Anonymous Employee in Haverhill, MA

    I worked at Combined Insurance

    Pros

    good bonuses to start first couple months, develop PMA positive mental attitude

    Cons

    You have to pay back all the cancelled sales within 9 months ouch! You have to beg people to buy a product they can't afford and most will not keep. and no one understands it.

    Advice to ManagementAdvice

    good luck

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  8. 3 people found this helpful  

    People are very nice, compensation presented is reaching at best, cult like training.

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

    I worked at Combined Insurance

    Pros

    Peers and leadership are nice and supportive. The school in Chicago is all expense paid and the instructors promote a genuine care and concern. 55% commission versus typical 30% commission pay structure for worksite products and bonuses earned.

    Cons

    They hire anyone. You are in a room, which extremely unprofessional peers and leadership. The schooling in Chicago, elicits a robotic and cult like feel. They make you memorize scripts verbatim and chant cheesy lines as a form of motivation. You have to hustle knocking door to door on businesses. They present the idea, that leads are provided. By leads, they mean a list of businesses in your designated area which you cold call and randomly door knock. Compensation for worksite is only 55%, versus life insurance which is typically 75-90%. Guaranted pay goes by very quickly and is not enough to sustain a person. The expense of gas is high as you have to drive to random businesses, in your attempt to bombard them with a forced sales presentation. I've witnessed leadership, be overbaring to the point of their very presence creating a high degree of tension by simply walking through the door. It's an embarrassing feeling as well as association.

    Advice to ManagementAdvice

    Be completely honest, about your leads system and costs associated with worksite sales. Be completely honest, and the schooling as to avoid people being shocked with the cheesy and cult like atmosphere. Do not encourage just anyone, to strive for management. Cultivate leads in ways other than door knocking.

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

    Good company to start with.

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

    I worked at Combined Insurance

    Pros

    Great training program and process. Good pay at first. Hands on. Good place to learn.

    Cons

    Pay decreases over time. No sales no money.

    Advice to ManagementAdvice

    Go out in the field more with new hires.

    Recommends
    Positive Outlook
    Approves of CEO
  10. 2 people found this helpful  

    Underwriting

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

    I have been working at Combined Insurance

    Pros

    - Basic applications to review
    - Well documented manuals to reference
    - Great for those looking to break into the insurance industry

    Cons

    - Micromanagement
    -Minimal room for advancement
    - Multiple incidences of bug problems in the office (beg bugs, roaches, etc)

    Advice to ManagementAdvice

    Reward those who work hard and try to keep an open door policy for employees to approach you with issues, problems and suggestions for self and company improvement

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  11. 3 people found this helpful  

    Work insane hours for little result

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

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

    Pros

    The training was ok at best. Did explain policies well but did not explain how to get "into" the door. Made sure to tell everyone how much they could make with their "proven" system.

    Cons

    Once training was over you are thrown to the wolves so to speak. If you have never done sales before this is a truly 100% commission based paying job. You drive to a town and walk up and down streets knocking on doors trying to get people to let you into their homes to pitch your product and get them to buy from you. Other people on "your team" if they find out you have a lead will swoop in and steal it the second they can. This job was a financial disaster for me and my family. I worked 10-12 hour days pounding the pavement doing everything that I could possibly do and still never made the money they promised you will make at this job. They want you to sell to friends family and even yourself to make goals. Don't expect to ever see your family while at this job they constantly had me traveling to other districts that were short handed on agents so I would be gone for weeks on end.

    Advice to ManagementAdvice

    Better training spend more time with new agents.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

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