Combined Insurance Reviews | Glassdoor

Combined Insurance Reviews

Updated February 24, 2017
421 reviews

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421 Employee Reviews

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Pros
Cons
  • No Cons some people don't like door to door sales (in 28 reviews)

  • Territory managers are very inconsistent in following through with an agent who has been working beyond the 3rd or 4th month (in 21 reviews)

More Pros and Cons

  1. "Great place to work"

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

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

    Pros

    I've enjoyed working at Combined primarily because of it's culture and the career progression opportunities I've been afforded. Combined and the rest of the Chubb familiy embrace a meritocratic mindset: you will be rewarded if you perform well. As an employee, it is encouraging to know that a company will recoginize your hard work. Additionally, Combined is a company that promotes learning. The leadership team has an "open door" policy that encourages employees to ask questions.

    Combined also does a great job of promoting work/life balance. Whether it's through office events (e.g. ice cream social, bbq, holiday party) or community engagment, Combined has shown that they value what employees do outside of their office/cubicles.

    The leadership team here is dynamic and really in-tune to consumer and industry trends. I believe they have a good short term and long term strategic vision for the company. I've seen a cultural shift (for the better) when the new leadership came on board in 2012. I see great things for Combined in the future.

    Cons

    Benefits (i.e. salaries) are below market value

    Advice to Management

    - Continue to promote meritocracy/perfomance based culture
    - Adapt to and embrace new technologies
    - Increase engagement with employees (ask how they are doing more frequently)
    -Continue to mold the next generation of company leaders

    Combined Insurance Response

    Oct 28, 2016 – Social Media Manager

    Thank you for sharing this positive review! We especially appreciate hearing from our current employees, and we love hearing that one of the reasons you enjoy working here is because of our ... More


  2. "Actuarial Assistant"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Actuarial Assistant in Chicago, IL
    Current Employee - Actuarial Assistant in Chicago, IL
    Recommends
    Positive Outlook
    Approves of CEO

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

    Pros

    Flexible hours, in terms of when you arrive and leave. There is a good work/life balance. The actuarial study program is wonderful here and study time is respected by co-workers. It's easy to focus on work and studying, because the atmosphere at Combined is calm and quiet.

    Cons

    There aren't many social outings with co-workers. However, it seems like there's been an effort to create more social work events. The location in Glenview is a bit inconvenient, and there's only one option for lunch that's walking distance from the building.

    Advice to Management

    Continue the great exam support for associates in the actuarial department. Continue making regular social events so that more inter-departmental connections can be made for the employees.

    Combined Insurance Response

    Dec 5, 2016 – Social Media Manager

    Thank you for sharing this positive review! We especially like hearing from our current employees. We are known for having a positive corporate culture, and it’s nice to hear that our environment is ... More


  3. "Employee"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Employee in Nashville, TN
    Current Employee - Employee in Nashville, TN
    Recommends
    Positive Outlook

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

    Pros

    Great Organization that has changed my life. Combined will always support the individuals that have the will and desire to succeed and WIN! This is a place for competitive, enthusiastic, people with the will to succeed! Tons of upward mobility for those who want it. Million dollar dreams must be followed by million dollar work ethic! No doubts if you posses those skill set you will succeed!! You literally can't lose

    Cons

    Nothing negative to say. Every organization has it's faults at Combined Insurance it's not by design!!! We are an organization that is evolving to stay current with today's innovative times.

    Combined Insurance Response

    Oct 28, 2016 – Social Media Manager

    Thank you for sharing this great, positive review! We always appreciate hearing from our current employees. Thank you for painting a realistic picture of what it takes to succeed at sales ... More


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  5. "Great Company"

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

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

    Pros

    I have worked for Combined for almost 4 years now. It is truly a meritocracy. If you work hard and perform at high levels you WILL be rewarded. The Company embraces PMA and is a caring organization to work for.

    Cons

    The core distribution model is an a fully-commissions employee sales agent, and with that brings high turnover. Agents who are will to put in the time can earn high incomes; but they need to understand how to do the activities that will result in sales.

    Advice to Management

    Continue to train and select the right people.

    Combined Insurance Response

    Oct 27, 2016 – Social Media Manager

    Thank you for the great review! We especially appreciate hearing from our current employees. As you mentioned, we reward our employees who “work hard and perform at high levels” with pay raises ... More


  6. "GREAT COMPANY!!!"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Market Director in Saint Louis, MO
    Current Employee - Market Director in Saint Louis, MO
    Recommends
    Positive Outlook
    Approves of CEO

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

    Pros

    Provides great training and benefits with unlimited income potential from a well established company that is customer centric based!!! A team building atmosphere focused on helping employees achieve their personal, family, professional and financial goals.

    Cons

    Not enough people are taking advantage of the opportunity to improve their personal, family, professional and business goals by joining the Combined Insurance Family.

    Advice to Management

    Keep hiring good people to help others!!!

    Combined Insurance Response

    Dec 5, 2016 – Social Media Manager

    Thank you for sharing this positive review! We especially appreciate hearing from our current employees. As you mentioned, we provide excellent training and ongoing support for our agents. We also ... More


  7. Helpful (1)

    "Insurance Agent"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Representative in Upland, CA
    Former Employee - Sales Representative in Upland, CA
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at Combined Insurance (Less than a year)

    Pros

    Time flexibility, you make your own hours but really that's about it. You're your own boss.

    Cons

    No salary, 100% commission, people fight each other for leads, the leads are not even leads to begin with they are just a re-print of the yellow pages and management makes you feel stupid and unappreciative if you decline the cold call....Everything else!

    Advice to Management

    None

    Combined Insurance Response

    Nov 29, 2016 – Social Media Manager

    Thank you for reviewing our company. Our agents have control over their own schedule which allows them to see their clients during the times that are best for them. It's true that commission only ... More


  8. Helpful (4)

    "Great place to learn sales and move on"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Sales Agent in Pittsburgh, PA
    Former Employee - Insurance Sales Agent in Pittsburgh, PA
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    Pros

    Sales school is top notch
    While I would not recommend to a friend, it is a great entry level sales job to learn how to sale
    Products are very strong, especially accident policy
    Freedom to set own schedule
    W2 employee, so taxes are done and benefits are available, but expensive

    Cons

    Cold-call selling door to door residential is vicious
    No training on how to build B2B business
    Very hard to compete in B2B settings - will lose to the Duck more often than not
    100% commission
    Chargebacks - and there will be lots of them. You may find yourself in the negatives frequently and being without a decent paycheck for weeks at a time
    No support in the field, even with a good TM.
    Tons of meaningless meetings and rallies that waste time/money/energy
    Turnover rate is very high; company places no value on employee retention. Average new hire lasts less than six months.
    No expense reimbursement at all
    Underwriting is very slow
    Claims are even slower
    Life and disability policies aren't priced competitively at all.
    Absolutely no name recognition as the company does no advertising; actually had a client question whether or not this was a scam while filling out the application.
    Doing the right thing for the customer isn't always the idea, going against their corporate mantra; helping a customer to get out of an old policy that no longer makes any sense and putting them into a better new product is not only frowned upon, it can cost you your job.

    Advice to Management

    Be honest with new hires that they will struggle for a very long time; explain better what charge backs are and what that means to them; spend time in the field with newer hires.

    Combined Insurance Response

    Oct 20, 2016 – Social Media Manager

    Thank you for taking the time to review our company and for mentioning that our “sales school is top notch.” It is our aim that our Agents will learn the fundamentals of great selling and then stay ... More


  9. Helpful (3)

    "Great Products"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee
    Doesn't Recommend
    Neutral Outlook

    I have been working at Combined Insurance full-time

    Pros

    Great Products and services offered.

    Cons

    Need updated systems some products are still paper apps! Outdated!

    Advice to Management

    Update systems, make things flow easier for sales reps

    Combined Insurance Response

    Oct 13, 2016 – Social Media Manager

    Thank you for reviewing our company! We always appreciate hearing from our current employees. We care about our customers and we strive to provide them with excellent products and services. In ... More


  10. Helpful (3)

    "Run Away !"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Agent in Tampa, FL
    Former Employee - Insurance Agent in Tampa, FL
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at Combined Insurance full-time

    Pros

    Recruiter was okay at first.

    Cons

    Hi Pressure to get you to sales school in Chicago area. TONS of on line prep and sign offs you have to do before school. at least 5 - 6 hours of work just submitting everything. they never warned me of this at all. down played this completely. Did a ride along with an active agent, and that just convinced me NOT to do it. This is just door to door hard core sales. yes, w 2, but so what. still straight commission. and all prospecting everyday wherever you want to drive to

    Advice to Management

    be up front about the process. wasted tons of time and energy for nothing.

    Combined Insurance Response

    Oct 27, 2016 – Social Media Manager

    Thank you for reviewing our company. It’s true this type of sales isn’t for everyone, but we do have successful agents who are able to rise to the challenges associated with commission-only selling ... More


  11. Helpful (6)

    "UNEDUCATED MANAGEMENT TEAM"

    Star Star Star Star Star
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee
    Doesn't Recommend
    Negative Outlook

    I worked at Combined Insurance full-time

    Pros

    Products are great. Nothing else

    Cons

    Training is pitiful
    Managers don't always understand the coverage. Oh but they say they do.
    Management is uneducated.
    Never worked anywhere else. Never with a real sales organization.
    They promote from within but that is not a pro when they don't have a clue as to how the sales plan works. They only know Combined and that is not much. So new people get screwed.
    Don't have a territory. You can go anywhere and so can everyone else.
    Non empathetic with fellow employees. Management will call you lazy before they ask how they can help.
    You are on your own. Yes your manager helps you but when she sells nothing how are you to sell.
    Have I said enough? This is all true and there is more.

    Advice to Management

    Hire managers with real sales experience. Not sales people from a bank. Hire outside sales people that are proven winners. Get rid of your current management team. If you want to win again do these things, Your company was once great and can be again.

    Combined Insurance Response

    Oct 27, 2016 – Social Media Manager

    Thank you for reviewing our company and for mentioning that we have great products. We take great pride in providing quality supplemental insurance products that may help people deal with unexpected ... More



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