Combined Insurance

www.combinedinsurance.com
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There are newer employer reviews for Combined Insurance

1 person found this helpful  

My first experience in the Insurance Industry

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

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

Pros

Training for a newbie is excellent.

Cons

Best case scenarios are not the reality. Need to have another income source or savings first year or you could starve.

Advice to ManagementAdvice

Tell potential hires the facts, so they can have a back-up plan to pay the bills during bad weeks. It can take time to get regular paychecks.

Doesn't Recommend
Negative Outlook
No opinion of CEO

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

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  1. 2 people found this helpful  

    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 a 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
  2.  

    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
There are newer employer reviews for Combined Insurance

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