Combined Insurance Reviews

Updated September 1, 2015
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266 Employee Reviews

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  1. 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


  2. 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


  3. Helpful (9)

    By far the worst job I have ever had

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Sales Agent
    Former Employee - Insurance Sales Agent
    Doesn't Recommend
    Negative Outlook

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

    Pros

    They are the reason I got my life, health, accident, and property and casualty license-which is the reason I have my current legitimate job in insurance

    Cons

    Before drafting my review, I tried to have a suppressed my sarcasm and agitation in my response. It is very difficult to do that, and describe what a poor opportunity this job is for 99% of those who will fall as prey to this company....as someone who read all of the horrific reviews on here before STILL deciding to give it a shot, it is my wish that you be VERY cautious as to what you are getting yourself into. I sincerely hope one person will reconsider, and possibly look for additional opportunities in an already tough industry (sales+insurance). Which, as I can see if HR's biggest rebuttal to negative responses on here (sales is tough). Well yes, sales is especially tough when the company you work for is a complete mess. First off, I would like to talk about the corporate training in Chicago. This is an absolute nightmare. Get ready to be roommates and sleep several feet away from another grown man or women, like you are living in college dorms again. Also, be ready to feel like you are in school again. But not college- the responses on here from HR about "extensive classroom training" is among the most absurd things I have ever heard. You are micromanaged worse than anything I have ever experienced in my 5+ years of college, and anything prior. As "students", you are treated more like children at a Kinder-Care facility. Expect strictly timed breaks and lunches, with some of the most monotone, boring lectures I've sat through in my many years of schooling. Then, what do you get to do when you go back to the hotel? Well, you will know not to go anywhere near the bar-since grown adults shouldn't be allowed to go have a beer and a meal. You will not have time to have a beer, and barely a meal-because when you get back you are scheduled (yes, you are literally scheduled even when you are not at the training facility) to perform homework assignments for nearly the entire night. We had several students actually go home after they found out that at age 50+ they would expected to complete homework assignments, unpaid, for the entire night, after training all day. Of course, our instructor found excuses as to why all of them mysteriously left....ironic that they all just had to leave at the same time, but of course it couldn't be anything relevant to them being smart and getting out while they could. You learn in a cult-like environment where you are expecting to scream and chant ridiculous things, all for the sake of "PMA" (Positive Mental Attitude). To further describe the massive disconnect between corporate and territorial and divisional levels, my territory manager even described this "excellent training" HR describes, as "memorization school" and "ridiculous". Next, we'll move on to all the fun when you return home! First, it starts with an extensive process to be reimbursed for your baggage fees. You will then start to find out all the talk about "this job is so great, you get to set your own schedule", is true. But, the truth lies in the fact that you will set your schedule from 8-9PM. I had some pretty good success in making sales in my short time with this company, but I will tell you right now between the wear and tear on your car and the amount of hours-you'd be better off looking for a position elsewhere if you can qualify for jobs paying 9/hr +. It is imperitive to your success that your life revolves around insurance. When you wake up, you will have a meeting with your "team" on most days. You are expected to call to make appointments after that time, then go to appointments scheduled for that day (often driving up to an hour and a half away-in hopes of landing a sale to pay for gas-which isn't reimbursed). Then when you get home, you are expected to call more, and more, to set appointments and prepare for appointments. Most of my days consisted for 8am-8pm workdays. As someone who considers themselves to be a hard worker, this is not where the problem lies. The problem is, when you are working these hours and not making money. For awhile, I thought I might be the only one...until I talked to all the people from sales school that I met and exchanged numbers with, and found they were sharing the opinion of myself and most of the reviews on here. This opportunity is sensationalized and is not what it is made out to be. Some will still be curious (as I was), even after reading my review and others, but I wish I had known some of this information prior to making that commitment and getting on the plane ride to Chicago. After that kind of torture at sales school and being trapped there (if you leave early, you will pay your own plane ride home), it almost seemed ridiculous for me to not "give it a shot". Fast forward to now.... I forwarded my letter of resignation (as I found nearly everyone from my sales school group did), and Combined took their good old time to process the letter and finalize my resignation. At first, I thought just due to it not being their priority. Then I learned that the shady waiver I signed, allows them to chargeback policies 60 days AFTER they officialize my unemployment. Them stalling the finalization of my unemployment, allowed for them to have about an extra month to allow customers to cancel policies (which happens often, after speaking to other people from sales school-opposed to the recruiter and local management that were misleading about the frequency of chargebacks). Now, quite some time after quitting Combined Insurance, I have a great job in the insurance industry. Don't kid yourself, sales is difficult, insurance sales is VERY difficult. If you put some of the things they teach you at sales school, and use it at a legitimate company-it could be somewhat helpful. Portions of my checks from my current job now go towards paying back policies that were sold by my Territory Manager during the "PAL ride-along week", as well as a few of my own. Do your own research on consumer complaints against Combined, there is a reason so many cancellations occur. At my new current position I have had 0 chargebacks. The last thing I will say, is that after this entire review (and reading other frightful reviews), if you are the slightest bit concerned about Combined, or even thinking about giving them a chance...find other employees to talk to! Don't be influenced heavily by tales told by management and corporate, because most are misleading. Goodluck!

    Combined Insurance Response

    Jul 9, 2015 – HR Representative

    Thank you for taking the time to write a detailed review of your experience. As you acknowledged, sales is a difficult career but finding success in sales can be a very fulfilling career. Our sales ... More


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  5. 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


  6. Helpful (1)

    Be about the employees, not just the bottom line, without them there is no Combined

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

    I worked at Combined Insurance full-time (More than 5 years)

    Pros

    Great benefits, passionate co-workers if allowed to shine, competitive products

    Cons

    Middle-Management lack true vision, and experience to take company to the next level. Executive team believes middle-management's advice on quality of talent within company. The real talent is not promoted, and those that want to advance cannot get in-house training as promoted.

    Advice to Management

    Harvest the true talent within Combined - there are many. Get rid of HR team, they are not seeking real talent or not compensating quality talent enough to stay around.

    Combined Insurance Response

    Jun 26, 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 did not match our commitment to being a great place to work. We ... More


  7. Helpful (3)

    Your destiny is up to you.

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Sales Agent in Oklahoma City, OK
    Current Employee - Insurance Sales Agent in Oklahoma City, OK
    Recommends
    Positive Outlook
    Approves of CEO

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

    Pros

    Uncapped commission, weekly bonuses, monthly bonuses, incentives, trips, world-class training, career advancement, freedom to make your own schedule, great products that sell themselves if you follow the success system.

    Cons

    It is simple but not easy. Hard work and positive mental attitude are required. Must be able to handle highs and lows of the business.

    Combined Insurance Response

    Jun 26, 2015 – HR Representative

    Thank you for taking the time to share your experience. You cited in your post many of the key reasons why we believe Combined Insurance is a great place to work. Thank you for pointing those “pros ... More


  8. Helpful (2)

    insurance agent

    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Combined Insurance full-time

    Pros

    one of the best places I've worked at..great people and a very good opportunity to succeed

    Cons

    a lot of traveling involved..that's the real major down side..I world suggest doing something to alleviate that for the benefit of your employees

    Advice to Management

    Keep up the good work..you guys do a great job educating and training hour employees and if you continue to do that then you will continue to be successful.

    Combined Insurance Response

    Jun 24, 2015 – HR Representative

    Thank you for the feedback and the review. I am really happy to hear that Combined Insurance has met your expectations in education and training. We have been working hard over the past year to ... More


  9. Agent

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

    I worked at Combined Insurance full-time

    Pros

    Great products, home office support, advancement opportunities.

    Cons

    ethical issues within local office over looked for questionable results.

    Advice to Management

    Home office needs to listen to their employees and really scrutinize issues.


  10. Helpful (2)

    Sales Manager

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Sales Manager in Austin, TX
    Current Employee - Sales Manager in Austin, TX
    Recommends
    Positive Outlook
    Approves of CEO

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

    Pros

    It's a great company to work for

    Cons

    There is a lot's of traveling involve.

    Advice to Management

    They are doing a great job

    Combined Insurance Response

    Jun 26, 2015 – HR Representative

    Thank you so much for your kind words and over a decade of your hard work and dedication. We are truly appreciative of our extraordinary employees and we wish you many years of continued success with ... More


  11. Helpful (3)

    bad company to work for

    • 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

    I worked at Combined Insurance full-time

    Pros

    flexible schedule, make your own hours

    Cons

    commission only, no leads, mandatory meetings even though they don't pay a salary. A lot of pressure to sell, lots of driving, don't recommend this company

    Combined Insurance Response

    Jun 23, 2015 – HR Representative

    First, I would like to apologize for the delayed response. 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 ... More



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