There are newer employer reviews for Combined Insurance

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Review of Combined Insurance

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

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

Pros

Very good money and good promotional opportunity.

Cons

very hard work. when training my boss did all the sales. so really didnt get chance to get my feet wet. he did EVERYTHING

Advice to ManagementAdvice

N/a

Doesn't Recommend
Positive Outlook
Approves of CEO

159 Other Employee Reviews for Combined Insurance (View Most Recent)

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  1.  

    A decent opportunity if you're good at it. Terrible if you're not.

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

    I worked at Combined Insurance full-time

    Pros

    Commission rates are decent.

    Benefits are decent, if you sell enough to qualify for them.

    Their accident-only insurance product (Accident Protector) is very good for how much it costs.

    The company is in the process of changing some of their more frustrating policies and starting to come into the modern era on their business processes and practices.

    Cons

    Their life core insurance product (Family Life Protector) is not particularly good.

    Lots of cold-calling businesses and sometimes residential areas.

    If you aren't particularly good at selling their products you will make very little money since it's a commission-only job at the sales agent level.

    You will be expected to go out and see current customers on a regular basis, sometimes as often as every three months. Many of these customers have seen an agent pretty recently and will not be thrilled to see you.

    You will probably be expected to work six days a week and long hours (>10 hours a day) depending on who your Territory Manager and Market Director are.

    You may have to spend an inordinately large amount of money on gas since the geographic area your sales office services will probably be very large. Expect to drive a few hundred miles every week

    Advice to ManagementAdvice

    Invest more in your employees.

    Focus more on developing real relationships between agents and clients rather than just shoving every client to a new agent when one leaves.

    Do more to retain your employees. Turnover rates above 100% are really bad for business and they make customers love the company but hate the sales force.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  2.  

    be careful

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

    I worked at Combined Insurance (more than an year)

    Pros

    Excellent training! The founders philosophy's are wonderful, ethical and positive. There is opportunity to make money and advance - for some

    Cons

    Managers use questionable sales tactics. Hours are very long and often include Saturdays. While you may be told that you are primarily collecting premiums and suggesting products, the only way to make any money is to sell insurance and recruit new agents. High pressure.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
There are newer employer reviews for Combined Insurance

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