Combined Insurance Reviews

Updated April 18, 2015
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Employee Reviews

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  1. I sold insurance policies for them.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Insurance Sales Agent in Detroit, MI
    Current Employee - Insurance Sales Agent in Detroit, MI

    I have been working at Combined Insurance

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    Pros

    The benefits were for the most part okay.

    Cons

    Management was not that great.

    Advice to Management

    Stay ethical.

  2. Helpful (2)

    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

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
    Doesn't Recommend
    Neutral Outlook
    Approves of CEO

    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 Management

    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

  3. Helpful (2)

    :-)

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

    I worked at Combined Insurance (more than 10 years)

    Recommends
    Positive Outlook
    Approves of CEO
    Recommends
    Positive Outlook
    Approves of CEO

    Pros

    PMA, great people to work for and with, intensive and ongoing training, opportunities for growth, fast paced and challenging environment.

    Cons

    no "cons" as with any company you must be willing to put in the time and energy to see the results

  4. Is this helpful? The community relies on everyone sharing – Add Anonymous Review


  5. Helpful (2)

    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)

    Positive Outlook
    Positive Outlook

    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

  6. Helpful (1)

    Sales Rep

    • 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

    Recommends
    Neutral Outlook
    No opinion of CEO
    Recommends
    Neutral Outlook
    No opinion of CEO

    Pros

    The money and residuals were great

    Cons

    I was only home on Saturday. I traveled or was on the road Sunday through Thursday. A lot easier when you don't have a family

    Advice to Management

    Great training but after training not a lot of guidance.

  7. Helpful (2)

    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

    Recommends
    Positive Outlook
    No opinion of CEO
    Recommends
    Positive Outlook
    No opinion of CEO

    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!

  8. Helpful (4)

    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

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    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 Management

    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.

  9. Helpful (2)

    Your clients are not protected from other Combined Agents so there is weak opportunity for long time residual income

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Agent in Lexington-Fayette, KY
    Current Employee - Agent in Lexington-Fayette, KY

    I have been working at Combined Insurance full-time (more than 3 years)

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
    Doesn't Recommend
    Positive Outlook
    Approves of CEO

    Pros

    Flexible schedule. If you are interested in Terriory Management it is great. No long term agents work here because they don't get the leads TM's do.

    Cons

    Very cheap company. No mileage of food re-imbursement even if they ask you to drive hours.

    Advice to Management

    Let agents build a business. They can't even get a list of sold clients. Really?

  10. Helpful (4)

    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

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    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!

  11. Helpful (5)

    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)

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    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 Management

    Better training spend more time with new agents.

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