Combined Insurance Reviews

Updated August 25, 2015
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263 Employee Reviews

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  1. Helpful (3)

    Sales Consultant

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee in Miami, FL
    Former Employee - Anonymous Employee in Miami, FL
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    Pros

    Great training, tools like ipads are provided and use of technology in sales is a great plus

    Cons

    Commission only, too much recruiting required to move up instead of sales, terrible at paying claims.

    Advice to Management

    Multi level marketing creates problems when too much emphasis is on recruiting instead of sales.

    Combined Insurance Response

    Aug 21, 2015 – HR Representative

    Thank you for taking the time to share your experiences. We are pleased that you benefited from our industry-leading sales training and onboarding. We strive to provide our agents with the necessary ... More


  2. Manager

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee in Ontario, CA
    Former Employee - Anonymous Employee in Ontario, CA
    Recommends
    Positive Outlook
    Approves of CEO

    Pros

    Excellent Training and you will be able to accomplish your Goals.

    Cons

    The company is a great Insurance Co.

    Advice to Management

    Focus on clients needs and you will be handsome rewarded.

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for your kind words! We truly appreciate our hardworking employees. As you mention, we pride ourselves in providing robust classroom and field training, free leads, and an online portal ... More


  3. Helpful (1)

    Good ideas bad management

    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurace Sales Agent
    Current Employee - Insurace Sales Agent
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    Pros

    Good training program you will meet a lot of new people that are willing to do a reallyt nice job.

    Cons

    Not management support, no really a good structure and you will have to work with your own resourses.

    Advice to Management

    Please do a good hiring process select good people do not hire people just for hire them do that and for sure you will have more succes in the Street

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to write this review. We strive to have top talent working for us and we are committed to recognizing and rewarding those who perform. We appreciate your recognition of ... More


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  5. Helpful (2)

    Territory Manager

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Territory Manager in Buffalo, NY
    Current Employee - Territory Manager in Buffalo, NY
    Doesn't Recommend
    Positive Outlook

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

    Pros

    Great training and development Opportunities for growth Unlimited opportunities to make great income

    Cons

    Micromanagement Poor talent hired everyday Saturation in Western New York

    Advice to Management

    Look to hire more professional, developed and experienced people

    Combined Insurance Response

    Jun 26, 2015 – HR Representative

    Thank you for your kind words. We are proud to offer our employees robust classroom and field training, free leads, and an online portal which contains a vast library of resources. As we continue to ... More


  6. Helpful (4)

    Account Executive

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee in Tolland, CT
    Current Employee - Anonymous Employee in Tolland, CT
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Combined Insurance full-time (More than 10 years)

    Pros

    Unlimited earning potential , training, incentives and prizes that are unbelievable . You work hard and you will be compensated, recognized and appreciated. Positive mental attitude that will help you bit hat work and in your personal life as well..

    Cons

    You have to work (that's not a problem).

    Advice to Management

    You can advance into management as fast or as slow as you like. Promotions based on merit not longevity .

    Combined Insurance Response

    Jun 26, 2015 – HR Representative

    Thank you for your kind words and your long-time dedication to our company. We are truly honored to have an advocate like you who has found success at Combined Insurance for over 10 years. We ... More


  7. Helpful (3)

    Harder than it looks.

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - E-Agent in Uniontown, OH
    Former Employee - E-Agent in Uniontown, OH
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

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

    Pros

    Combined has a great history dating back to its founder. The training they provide gives you everything you need to start your career if you make an effort to learn what they are teaching you. I truly believed in the products they had and gave an honest effort I believe. People are very interested if you can get past the typical objections. Plenty of opportunity to get promoted if you sell the way they teach you.

    Cons

    It is supplemental insurance for the most part, people really don't have to have it. You spend a lot of your own money on gas and the miles add up on your car. Combined gives you a few week cushion when you start off, but you will need another source of income to offset the tough weeks.

    Advice to Management

    I believe that management should allow independent agents to provide their policies. The reason I don't think they would ever do that is because when a new agent starts and make the first initial sales, these are typically to close family members. When they struggle to sell policies past the first few and they leave the company, Combined gets all the residuals from the sold policies into the future. Keeping their agents captive means that as agents walk away, management keeps future money on the renewals.


  8. Helpful (2)

    Don't Be Fooled by them...EVER!

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Account Executive in Chicago, IL
    Current Employee - Account Executive in Chicago, IL
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

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

    Pros

    You get a nice book in sales school which is a good read, and they pay for your breakfast in sales school.

    Cons

    While the training is "Sales school" is very detailed, it's only 1-week now. (Used to be 2-weeks and VERY thorough). Since you don't learn everything in sales school, the majority of your real training lies with your Territory Manager. Which can be hit or miss. If you get a TM who has been in the industry a long time and knows the pitfalls, you might have a snowballs chance in Heck! However, I was saddled with a TM who has never managed people before. Almost every policy I wrote in my 1st two weeks has been cancelled, so I'm getting chargebacks on them. Yes, Sales is hard. (I'm sure HR will reply to me as that's the reason for my discontent) However, when you ask for help or advice on how to become better, they just tell you to "Have more activity, see more people!" I'm sorry...Mules work HARD....Thoroughbreds work SMART! I'm not a MULE! If you can't be better by being smarter....then you're just a drone for them. There are very FEW exceptions to the rule, and those 'exceptions' are paraded around like they are God's Gift to Insurance Sales. What they don't tell you is that the company makes more money by having you burnout and fail, then if you stay and succeed. All while you're supposed to have PMA when current customers are complaining to you for calling them again and again. Don't be fooled by the "Free Leads" This is the ONLY company I've ever heard using their own current customer as an "Active" lead. (Especially when these people are being called once every 3 months so they can "Review your policy:) I once had a customer tell me I was the 3rd person from Combined to visit her in the last 3 months. No wonder she looked at me like I'm a fool. If you love working hard, love sales, and love the insurance game, this is still NOT the job for you. Any review listed here with comments in the "Cons" section are 100% accurate. (Especially about TM stealing accounts and writing illegal policies) If W. Clemment Stone could see some of the practices used today by field management, he would be outraged. (Especially when they use his name as a defense) Do yourself a favor and look elsewhere, there are much BETTER opportunities out there, and you deserve better for yourself.

    Advice to Management

    Learn how to actually grow your talent. If you took the time and efforts in the field to make your talent better, they might stay longer and have less turnover. Develop an actual true LEADS system. You just had a survey given to reps, and we all said the system is BROKEN! Hire TM's who have a clue how to lead and manage people. They will be able to help people more than just saying, "I need you all to write something today, or else!"

    Combined Insurance Response

    Jul 27, 2015 – HR Representative

    Thank you for taking the time to write this review. I am sorry to hear that your experience with Combined Insurance has not matched our commitment to being a great place to work. We would greatly ... More


  9. Helpful (1)

    Get rid of Derek Jones

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Senior Management
    Current Employee - Sales Agent
    Current Employee - Sales Agent
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    Pros

    Sales School Training is great. But the constant travel and hotel stays with a commission only position is hard on the budget.

    Cons

    No follow through. Derek tells you what you want to here. Then nothing. Wants to bleed you dry everyday. You drive several miles for 1 appt. He is a smooth talker with no back done.

    Advice to Management

    Stop the parties.

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to give us your valuable feedback. I am sorry to hear that your experience with Combined Insurance has not matched our commitment to being a great place to work. We ... More


  10. Helpful (1)

    Sales Rep

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Sales Representative in Columbus, OH
    Current Employee - Sales Representative in Columbus, OH
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    Pros

    Flexible hours and no micro-managing

    Cons

    It is straight commission and a roller coaster ride. Also a lot of travel that puts a lot of wear and tear on my car and I spend a lot for gas.

    Advice to Management

    Need more support and more leads.

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to give us your valuable feedback. I understand that sales can be a challenging position. We support new hires by providing robust classroom and field training, free ... More


  11. Helpful (3)

    HR Lies Senior Management Lies State Managers Lie

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Territory Sales Manager in Saint Louis, MO
    Former Employee - Territory Sales Manager in Saint Louis, MO
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    Pros

    None none none at all

    Cons

    HR makes a big deal out of the rules in the employee handbook, but when managers drink on the job, lie on reports, steal business from the new agents and you notify HR, their response is we addressed it, but the same people keep doing the same thing, so bottom line HR doesn't enforce their own rules. Don't walk from this company but run. Run as fast as you can

    Advice to Management

    Be thankful you have a job there because you have no ability no skills an are extremely unethical so basically you could never work at a good company

    Combined Insurance Response

    Jul 22, 2015 – HR Representative

    Thank you for taking the time to write this review. I am sorry to hear that your experience with Combined Insurance did not match our commitment to being a great place to work. We would greatly ... More



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