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Combined Insurance Reviews
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    Combined Insurance Reviews

    Updated March 13, 2019
    673 reviews

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    3.5
    StarStarStarStarStar
    Rating TrendsRating Trends
    Recommend to a friend
    Approve of CEO
    Combined Insurance President Kevin Goulding
    Kevin Goulding
    75 Ratings

    Employee Reviews

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    Pros
    Cons

    • "You literally are a door to door sales person" (in 34 reviews)

    • "Therefore a successful insurance professional has to be willing to work long hours in order to be there for their policyholders in time of need" (in 37 reviews)

    More Pros and Cons

    1. "Great employees"

      StarStarStarStarStar
      Current Employee - Anonymous Employee
      Current Employee - Anonymous Employee

      Pros

      Terrific coworkers. Pay not bad. Overtime.

      Cons

      No bonuses for non salary employees. Mostly upper and management. Lots of long hours and endless meetings.

      Advice to Management

      Offer better incentives.

      Combined Insurance Response

      Mar 1, 2019 – Social Media Manager

      Thank you for taking the time to leave this positive review! We are thrilled to hear that you have terrific coworkers, as we strive to maintain a family-like environment. We wish you all the best in... More

    2. "It’s great"

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Current Employee - Customer Service Representative in Chicago, IL
      Current Employee - Customer Service Representative in Chicago, IL
      Recommends
      Positive Outlook
      Approves of CEO

      I have been working at Combined Insurance full-time (More than a year)

      Pros

      Great benefits and room for growth within the company

      Cons

      The angry rude customers and some co workers always try to find flaws in your work

      Combined Insurance Response

      Mar 12, 2019 – Social Media Manager

      Thanks so much for taking time to leave this positive review! We offer our full-time employees a comprehensive benefits package including health insurance, dental and vision, tuition reimbursement, a... More

      3. Join the Combined Insurance team
      See Our Latest Jobs

    3. "Give Combined a year for a career!"

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Current Employee - Benefits Specialist/Advisor in Los Angeles, CA
      Current Employee - Benefits Specialist/Advisor in Los Angeles, CA
      Recommends
      Neutral Outlook
      Approves of CEO

      I have been working at Combined Insurance full-time (More than 10 years)

      Pros

      Positive Mental Attitude. Lifetime experience.

      Cons

      Limited range residuals. Too many apps rejected and not approved.

      Advice to Management

      Reduction on promotion within.

      Combined Insurance Response

      Mar 1, 2019 – Social Media Manager

      Thank you for taking the time to leave this positive review! Our founder, W. Clement Stone, believed having a positive mental attitudie, or PMA, was key for success, and we have found that it is a... More

    4. "UNSUPPORTIVE MANAGEMENT"

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Current Employee - Analyst in Chicago, IL
      Current Employee - Analyst in Chicago, IL
      Doesn't Recommend
      Negative Outlook
      No opinion of CEO

      I have been working at Combined Insurance (More than a year)

      Pros

      Hours, downtown location and SOME nice people.

      Cons

      Unsupportive Management
      Compensation lower than area norm
      CYA culture
      Dingy space, EVERYTHING is beige
      Backstabbing enviornment
      Products not so good
      Life/home balance is almost non existent
      Insecure tenured staff that only give the minimal
      Hired for one position, now told something different
      Underlying racist enviornment
      Good ol Boys Management
      I could go on....but it is very difficult coming in daily. Ive started the process of looking elsewhere with my Bachelors..

      Advice to Management

      Management needs to be held accountable and RETRAINED. or LET GO.

      Combined Insurance Response

      Mar 12, 2019 – Social Media Manager

      Thank you for taking the time to share this feedback. We are sorry to see your list of “cons”, and we don’t condone any of the behavior you are describing. If you would, please send more information... More

    5. "It is good if you can put in effort."

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Current Employee - Insurance Agent in Houston, TX
      Current Employee - Insurance Agent in Houston, TX
      Recommends
      Positive Outlook
      Approves of CEO

      I have been working at Combined Insurance full-time (Less than a year)

      Pros

      Recent hire. Seems good so far.

      Cons

      None yet. Recent hire as of today.

      Advice to Management

      None

      Combined Insurance Response

      Mar 1, 2019 – Social Media Manager

      Thanks for taking the time to leave this positive review! Please let us know how it goes as you launch your career with us, and reach out to your manager if you need more support. We wish you all the... More

    6. Helpful (2)

      "Horrible Service"

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Former Employee - Agent
      Former Employee - Agent
      Doesn't Recommend
      Neutral Outlook
      No opinion of CEO

      I worked at Combined Insurance full-time (More than a year)

      Pros

      Good products that can work

      Cons

      Service is unbelievably bad. Took me 45 minutes on the phone to cancel a policy. Then it was 4 after they paid and "Company policy" will not give them refund

      Advice to Management

      Change your policies.

      Combined Insurance Response

      Mar 1, 2019 – Social Media Manager

      Thank you for taking the time to leave this review. We are aware that wait times are longer than usual, and we apologize that you had that experience. If you would like for us to review your policy... More

    7. Helpful (3)

      "Beware, potential won't pay your bills."

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Former Employee - Sales Coordinator in Pittsburgh, PA
      Former Employee - Sales Coordinator in Pittsburgh, PA
      Doesn't Recommend
      Negative Outlook
      Approves of CEO

      I worked at Combined Insurance full-time (More than a year)

      Pros

      Flexible schedule, income "potential", incentive trips

      Cons

      Commission only, hours worked, 7 day a week job, chargeback percent, nothing reimbursed for travel, nepotism

      Advice to Management

      Pay your first level managers a salary! Teach MD's how to recruit quality not just quantity. The heard them in and then heard them out recruiting mentality needs to be addressed.

      Combined Insurance Response

      Mar 1, 2019 – Social Media Manager

      Thank you for taking the time to leave this review. As you mentioned, our sales agents have the ability to earn unlimited income based on their sales, but it's true this type of sales is not for... More

    8. Helpful (6)

      "Early Career Professionals..Beware"

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Former Employee - Human Resources in Chicago, IL
      Former Employee - Human Resources in Chicago, IL
      Doesn't Recommend
      Negative Outlook
      Disapproves of CEO

      I worked at Combined Insurance (More than 5 years)

      Pros

      My Team...hands down. They were my only support system and made coming to work every day bearable .
      Vacation Policy.
      Work from Home Options.
      Gym on-site (Discounted Rate).
      Easy Location to commute to.

      Cons

      Director Level Manager does not invest time for professional development and lateral or vertical movement. Delegates tasks to others on the team without taking any initiative to complete them his/herself. For an Early Careers Professional, the department is very transactional and always works to the "next Monday" which provides extensive long hours and weekend work in order to achieve business needs.

      The company as a whole is a big boys club, and lacks diversity of thought. Extremely traditional mindsets which include dress code, pay, and availability after hours. (work life balance is not a priority, even on vacation you need to be able to access email and phone.)

      During the duration of my employment I had three direct managers, which eludes to the high turnover in the business as a whole. As an Early Careers Professional, this company lacks initiative and growth in order to attract this demographic and retain them in both corporate and sales environments. Especially from a competitive compensation, this company pays on the low end of the range.

      Advice to Management

      Listen to your employees when they voice concerns about direct and upper management. When over 5+ employees voice these concerns, it should be warranted to investigate the issues. Especially when almost the entire team turns over within 9 months.
      Provide transparent development.
      Do not string a long employees, be up front and transparent with them.
      Better Work Life Balance.
      Better Compensation.

      Combined Insurance Response

      Mar 1, 2019 – Social Media Manager

      Thank you for taking the time to leave this review. We appreciate your feedback, and we take it seriously. We are happy to hear that you felt supported by your team, and we thank you for sharing... More

    9. "District Manager"

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Current Employee - Anonymous Employee
      Current Employee - Anonymous Employee
      Recommends
      Positive Outlook
      No opinion of CEO

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

      Pros

      Companies core contributions to 401k. Combined Insurance changes my life through PMA. Support and training for new agents is done of the best in the industry

      Cons

      Agents are straight commission with no compensation for fuel or automotive repairs

      Combined Insurance Response

      Jan 9, 2019 – Social Media Manager

      Thank you for taking the time to leave this positive review. We always appreciate hearing from our current employees. We offer our agents a comprehensive benefits package as well as ongoing training... More

    10. "currently 24 years with Combined Insurance"

      StarStarStarStarStar
      • Work/Life Balance
      • Culture & Values
      • Career Opportunities
      • Comp & Benefits
      • Senior Management
      Current Employee - Sales Coordinator in Long Island, AL
      Current Employee - Sales Coordinator in Long Island, AL
      Recommends
      Positive Outlook
      Approves of CEO

      I have been working at Combined Insurance full-time (More than 10 years)

      Pros

      Unlimited potential while helping people every day

      Cons

      Dealing with other people’s schedules

      Combined Insurance Response

      Jan 9, 2019 – Social Media Manager

      Thank you so much for your loyalty to Combined Insurance. We love hearing from our long term employees, and we are thankful that you are sharing your experience here. We wish you all the best in... More