Combined Insurance

  www.combinedinsurance.com
  www.combinedinsurance.com

Combined Insurance Reviews

Updated December 15, 2014
Updated December 15, 2014
175 Reviews
3.1
175 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
Combined Insurance President Brad Bennett
Brad Bennett
64 Ratings

Review Highlights

Pros
  • Great positive mental attitude atmosphere (in 8 reviews)

  • The advantages of working for Combined are the initial training of its products and sale culture or the PMA (positive mental attitude) philosophy (in 8 reviews)


Cons
  • Driving it is a door to door sales position so it requires you to drive to all your clients (in 11 reviews)

  • Territory managers have poor coaching skills and therefore micromanage their agents (in 12 reviews)

More Highlights

Employee Reviews

Sort: Popular Rating Date
  1. 1 person found this helpful  

    Cult

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

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

    Pros

    Training was kinda fun but really creepy. They worship the founder of the company like he is the second coming of Christ. Commission structure okay.

    Cons

    Products are crap as they are basically one size fits all solutions. Leads are terrible. Designed to sell a sub par product to low income individuals who don't know any better. High lapse rate. Made me feel like a skeezy used car salesman.

    Advice to ManagementAdvice

    Put out a real life insurance product and get your sales process into the 21st century. It also would be beneficial to let independent producers carry your products as ancillary or guaranteed issue options for DI and life

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  2. 4 people found this helpful  

    It could be a great company, but......

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

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

    Pros

    It opened a world of new experiences. If they ran the company the way they said they do-it would be an awesome experience. On paper, it looks fantastic.

    Cons

    You have to be very careful about your management team. Since the territory managers are selling-and competing-with you for sales, you will not get any of the internet leads from your TM-he or she will be too busy saving them for themselves. The leads they offer are going to be from existing customers who are exhausted from all of the calls to upsell them. If you do not have a strong area of clients to call on that you have developed yourself-forget about this company.

    Advice to ManagementAdvice

    Create a safer and more realistic sales plan. The idea of sending people out to cold call is not safe.

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  3. 1 person found this helpful  

    Some new people will like it, most experienced won't

    • Comp & Benefits
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Territory Manager in Atlanta, GA
    Current Employee - Territory Manager in Atlanta, GA

    I have been working at Combined Insurance full-time (more than 8 years)

    Pros

    Positive mental attitude philosophy will help all in every endeavor

    Cons

    Management is the only carrot. No long term residual building

    Advice to ManagementAdvice

    You got your work cut out for you

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  4. Is this helpful? The community relies on everyone sharing – Add Anonymous Review


  5. 2 people found this helpful  

    Its what you make of it!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    Former Employee - Account Executive, Agent in Albany, NY
    Former Employee - Account Executive, Agent in Albany, NY

    I worked at Combined Insurance full-time (more than 10 years)

    Pros

    The advantages of working for Combined are the initial training of its products and sale culture or the PMA (positive mental attitude) philosophy.They are one of the very few companys with leads, and customers who expect to see you good or bad, no going after your friends and family. If you can sell here, you can sell anywhere, industry recognized. You can rise to management fast if you work hard, promotion by results not who you know!

    Cons

    The cons of working here now, is the plight of being assigned to someone who looks at you as a number and gives no learning curve support. You are an employee, but no time off policy or vacation policy.

    Advice to ManagementAdvice

    The upper echelon management must make Marketing/Territory managers accountable to the 4/8 week training of new agents to produce long term agents. There is no incentive for long time agents to move into management i.e 10 days vaca for year ( more than that as a new employee), small salary. Theres more freedom as an agent.

    Recommends
    Neutral Outlook
    Approves of CEO
  6. 2 people found this helpful  

    Best company I have ever worked for!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Territory Manager in Coldwater, MI
    Current Employee - Territory Manager in Coldwater, MI

    I have been working at Combined Insurance full-time (more than 5 years)

    Pros

    Unlimited income potential, Fortune 500 benefits package. Great training, and positive in every way.

    Cons

    Must be a self starter and be able to keep a positive attitude.

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

    A great Place to Work

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

    I have been working at Combined Insurance full-time (more than an year)

    Pros

    Combined gives you all the tools that you need to succeed. They work hand in hand to make sure that you become a great producer. The product that you sell are great both in price and in benefit they practically sell themselves.

    Cons

    Driving it is a door to door sales position so it requires you to drive to all your clients.

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

    Horse race that never ends

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

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

    Pros

    weekly pay, decent commissions, great training, list of current customers to sell too.

    Cons

    lack of new prospect leads, as a manager they want you to travel 4 plus hours to meetings.

    Advice to ManagementAdvice

    less horse whipping and more ride along training. Invest in someway to get realtime cancer insurance leads and worksite marketing leads. pay the employees a salary longer than 3 weeks and have field trainers that get a piece of the action.

    Recommends
    Positive Outlook
    Approves of CEO
  9. 1 person found this helpful  

    Good 'ole boys club needs a new approach on sales, management, communication & respect

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Administrative Assistant in Glenview, IL
    Former Employee - Administrative Assistant in Glenview, IL

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

    Pros

    Employee's get a 40% discount in the cafeteria

    Cons

    I don't even know where to begin other than the compensation is terrible for administrate staff, it's literally a joke. 2% raise on my salary – no thanks, makes no difference in my paycheck. Communication around here goes like this: "well, that's not my job, no one told me to do that, I need you do this this and this and I need it now, etc.". No one tells you or shows you basic stuff - you have to find out on your own. The men walk around the office like they are God's gift to sales, give me a break! Men talk down to the women and it’s disgusting that HR will keep them around because they are good at what they do. They make promises and don’t keep them. No room to grow. One of the worst places I have ever worked.

    Advice to ManagementAdvice

    Retire. Allow for new and fresh talent to come in and apply a more modern approach to sales and business. Get over your big egos - none of you are that special. Thank your administrative staff - they do everything for you and they get no recognition in comparison to sales. Perk up the atmosphere - the motto; "healthy, happy and terrific" is a joke - people walk around the office looking miserable, they don't interact with other departments.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  10.  

    OK FOR THE SHORT TERM

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Account Executive in Madison, WI
    Former Employee - Account Executive in Madison, WI

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

    Pros

    flexible schedule, helping individuals. lost cost products.

    Cons

    long hours, commission only. high cost for benefits

    Neutral Outlook
    No opinion of CEO
  11.  

    Combined Insurance is a decent place to work

    • 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

    Some of the good things about Combined are: Pay about average, benefits pretty good, leadership very focused on growing the company.

    Cons

    Some of the challenges are that they are looking for a lot of company growth, but are not very concerned about employees growth/path. Like a lot of companies during this job downturn they wish to make sure they get there money's worth, but are not worried about talent leaving for greener pastures.

    Advice to ManagementAdvice

    I think the really good employers have figured out that if you treat employees well then you will get more in return and all will benefit in the long run. That may be difficult while trying to drive growth, but short sighted approaches only work in the near term.

    Recommends
    Positive Outlook
    Approves of CEO

Combined Insurance Photos

Work at Combined Insurance? Share Your Experiences

Combined Insurance

 
Click to Rate
or

Your response will be removed from the review – this cannot be undone.