Combined Insurance Reviews

Updated August 28, 2014
Updated August 28, 2014
136 Reviews

2.6
136 Reviews
Rating Trends

Recommend to a friend
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Brad Bennett
46 Ratings

Review Highlights

Pros
  • Combined truly believes in their training, they are a company full of a Positive Mental Attitude and they highly encourage enthusiasm (in 6 reviews)

  • Good potential for income, training is excellent (in 6 reviews)


Cons
  • Driving it is a door to door sales position so it requires you to drive to all your clients (in 9 reviews)

  • go watch the movie the Crazies there are the distric and territory managers (in 10 reviews)

More Highlights

Employee Reviews

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  1.  

    Great training

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

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

    Pros

    Solid Training, good system for success

    Cons

    75% advance on the 55% comp

    Advice to ManagementAdvice

    increase commissions; training is excellent

    Recommends
    Positive Outlook
    Approves of CEO
  2.  

    Sales agent.

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

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

    Pros

    Training, advancement, culture, help when needed.

    Cons

    None, wish systems improvements could be done more quickly.

    Advice to ManagementAdvice

    Keep on doing what you set out to do. Good, well prioritized plan.

    Recommends
    Positive Outlook
    Approves of CEO
  3. 4 people found this helpful  

    All They Care About Is Making Money / All Commission Job w/ no Salary or Benefits!

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

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

    Pros

    The initial training is good - they put you on a plane and send you to Chicago for two weeks all expenses pay. I did meet some really nice people, that seem to really care if I succeeded. In the initial week after you get back from Chicago your trainer or market manager will bust his butt trying to make sure you get your "initial award" in order to make everyone look good and prove to you that "Mr. Stones system really does work. The company is full of RA RA !! moments and you will definitely visit (drive) a lot of places the you didn't even know that existed.

    Cons

    After your first week in the field - It all basically on you!! They tell you, that you can make as much as you want to. However, that is not a completely a true statement - your selling a product that people really don't need. The people your selling to are basically living paycheck to paycheck and are on a very tight budget ($20 can be too much for them to pay each month). Your basically running around all day around town with a book going from business to business (cold) trying to sell a $20 accident policy. Most people are nice, but some are not. Your spending lots of money on gas and eating out and now with the new national health care law - people have to buy health care and combined products are not considered "Major Medical". This is not a good career choice - don't be fool by all the talk about making millions and making all your dreams come true. Your dreams will soon turn into financial nightmares.

    Advice to ManagementAdvice

    Share the wealth !! Give you agents a basis salary to help them get through the tough times. Give them benefits from day 1. People should not have to starve just work for Combined.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
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  5. 1 person found this helpful  

    All depends on the Market

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

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

    Pros

    Combined has a terrific training program and the fact that they ship you out to Chicago or one of their other training centers for two weeks teaching you the ins and outs says a lot about the company. The core values of the company are extremely solid and lets be honest, W. Clement Stone was an extremely intelligent and capable man.

    Cons

    Depending on the market you are looking to get into will determine the level of sales. The type of personality you have will determine your level of sales. If you are not comfortable cold calling, don't bother applying.

    The leads are not really "leads". They are merely active customers and lapsed customers with a few business leads thrown in there, most of which are several years out dated. I have however made quite a lot of money on the leads that were provided, all depends on how well you are with transitioning and pivoting.

    I worked with an amazing market director and territory manager, and I worked with a terrible one. It's a shame, but such is life, not everyone manages the same. The amount of time and energy your management team is willing to put into you will make a big difference in whether or not you will excel or even make it. From what I have seen there are far too many mediocre managers within the company spewing "immediate growth" out of their mouths instead of spending time training the agents and territory managers they currently have.

    Advice to ManagementAdvice

    Stop spending so much money on trying to "grow" the company. Spend more time and energy in training and developing your management teams, including but not limited to field training territory managers, ESPECIALLY DIRECT HIRES (which i was not). Checks and balances should be placed to ensure Marked Directors are spending time in the field with their managers and their agents. I do not believe you should direct hire market directors, they don't know the culture and it could have a catastrophic effect on that Market. Train them and hire them from within. Let growth happen naturally and therefore effectively.

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  6. 1 person found this helpful  

    Great Financial and Career Opportunity!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Account Executive  in  Buffalo, NY
    Current Employee - Account Executive in Buffalo, NY

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

    Pros

    Opportunity to earn is unlimited and opportunity to move up within the company is based on performance, not tenure. Weekly and Monthly bonuses. Freedom to create ones own schedule.

    Cons

    Requires use of a reliable vehicle, and is time consuming, must drive a half an hour or so for work on occasion. Dedication and ambition are necessary to succeed and excel above expectations.

    Advice to ManagementAdvice

    Continue to develop employees who have been around for awhile, they are your strengths.

    Recommends
    Positive Outlook
    Approves of CEO
  7. 1 person found this helpful  

    A learning experience for new Insurance Agents

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

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

    Pros

    Great boot camps experience for all new in the business

    Cons

    The cold calling makes up about half of the day

    Advice to ManagementAdvice

    Need to invest in a business building - office building - instead of various hotel conference rooms for training

    Recommends
    Neutral Outlook
    Approves of CEO
  8. 2 people found this helpful  

    One huge gaping nightmare!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Territory Manager  in  New York, NY
    Former Employee - Territory Manager in New York, NY

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

    Pros

    I loved the fairytales about PMA that supposedly will make you money....WRONG!!!!!!

    Cons

    Getting into a lawsuit because you followed company policy is always fun

    Advice to ManagementAdvice

    Go work at McDonald's its safer.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  9. 2 people found this helpful  

    Market Manager was a nice guy, but...

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Life Health Supplimental Insurance Representative  in  North Attleboro, MA
    Former Employee - Life Health Supplimental Insurance Representative in North Attleboro, MA

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

    Pros

    Training, Market manager was great! Nice guy but... Training system was also good for learning the products.

    Cons

    Leads? What are those? They show you how to cold call and promise the world including great commissions, but, the sales support for attaining new business was Terrible! And frankly the products were sub par.

    Advice to ManagementAdvice

    Invest in your people post licensing and training with some for of lead generation, some well trained and motivated Ins. Reps don't have 50+ hours a week to find new prospects, really, 100% Commission on zero is still 100% of nothing.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  10. 2 people found this helpful  

    Traumatized by this horrid place

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Territory Manager  in  Ontario, CA
    Former Employee - Territory Manager in Ontario, CA

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

    Pros

    Decent training if you can get away for 11 days, sit in class 8 hours a day, and share a hotel room with a stranger

    Cons

    Lack of professionalism in the Ontario staff, harassed by upper management if you don't sell based on your objectives for that day/week. The incompetent clerical staff in Ontario is given more support than the sales/sales management team. Very high turnover - agents would barely last a few weeks. Company will hire anyone who is licensed because they have to fill their quotas.

    Advice to ManagementAdvice

    Get rid of the garbage running Ontario. There are quite a few pending lawsuits against management over there yet they continue to violate the laws. They are a liability to the company!

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  11. 1 person found this helpful  

    This company definitely has problems!

    • 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 full-time

    Pros

    The deficiencies existing in Combined leave room for great opportunities for growth. Meaning, if the glass is half empty, you have the chance to fill the glass full.

    Cons

    Local management can be incompetent. Also, this is a W2 position so your net pay can be challenging to live on if you don't sell enough.

    Advice to ManagementAdvice

    The paper process is too archaic. Upgrade to using technology.

    Doesn't Recommend
    Positive Outlook
    No opinion of CEO

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