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Combined Insurance
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103 reviews

Combined Insurance Employer Reviews

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  • Job Work/Life Balance
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  • Job Security/Advancement
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Job Work/Life Balance
Compensation/Benefits
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Management
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Lack of support
Health, Life, and Accident Insurance sales (Former Employee), Chicago, ILOctober 14, 2014
Pros: flexible hours
Cons: lack of support
The company says they will train and support the agents but then they do not floow through.
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Cold-calling sales with some leads provided.
Account Executive (Current Employee), Lakewood, COSeptember 26, 2014
Overall, I believe that Combined Insurance is a great company backed with very respectable values. The opportunities and advancement options are tangible. The leaders and managers are helpful and provide extensive training. I really enjoy the freedom of the job but do not necessarily enjoy cold call sales.
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Productive
Sales Agent (Current Employee), Buffalo, NYSeptember 23, 2014
Good opportunities for advancement. Managers and co-workers are willing to help you prosper.
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Insurance brokers and account executives work site marketing BEWARE!!!!!!!!!!!!!!!!!!
Sales (Former Employee), SoutheastSeptember 12, 2014
Pros: some good people
Cons: total mistrust
I have many years of insurance experience. When I initially started with the company it appeared to be the right place at the right time kind of deal. This was far from the truth.

On the work site side, this carrier takes business from insurance brokers and high jacks the case and some times gives the case to another broker. The carrier has a direct – more... side called AE(account executives) in which many times they do basically the same thing.

In short, do not submit business to this company unless you want to lose your client base. Dealing with this type of activity is a night mare and no one can run a successful firm long term like this. The national sales director of this company has the company on a path like the Titanic was sailing on. You can not trust any sources and you will be told what you want to hear and have your business stolen. This is exactly what these people are about. This company is trying to compete with the name brands in the market and they are hiring people from the competitors.

The philosophy is churn and burn. BROKERS DO NOT DO BUSINESS WITH THIS CARRIER UNLESS YOU WANT TO LOSE YOUR CLIENTS. – less
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Work sales staff like dogs
Area Executive (Former Employee), MichiganSeptember 2, 2014
Pros: independence
Cons: long hours
Sales are sales. I expect to be paid what I earned. While CICA did this, they allowed my direct manager to take my good sales and swap them out for his bad sales... then did nothing to correct or discipline the manager who did this.
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Door to Door sells, lots of travel
Sales Rep/Mngr (Former Employee), Memphis, TNAugust 25, 2014
Cons: healthcare, shortage on commissions
Job was fun meeting different clients. Preferred less travel, Good manager and co-workers. Most enjoyable part of job was meeting people
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Be your own boss?
Outside Sales/ Account Executive/Territory Manager (Former Employee), Rochester, NYAugust 25, 2014
Pros: you plan your day
Cons: you plan your day
Outside Sales position, will hire any one with a smile. To be profitable and make money here you need to sell.
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Not a bad place to work
Sales Representative (Current Employee), Rochester, NYAugust 18, 2014
Pros: upward mobility, flexibility to make hrs, commission, training
Cons: commission, charge backs
The most important thing about working at Combined is being HIGHLY self-motivated and being an above avg saleperson, they teach you alot in sales school but its up to you to use it and taylor it to fit your personality. I left the company because I struggled getting consistent sales and this is a 100% commission job (live by the sword, die by the sword). – more... As with any job, there are pros and cons and in all, the pros at Combined were more numerous then the cons. However, this is a very tough job to do well in, if you are one of those people who can "figure it out" you will do well finicially, if not, get out sooner rather then later.

Unless you already know a TON of people (150+) that may buy from you or get referals from this it is hard to establish a customer base. Education and exprience do not help or hurt you in this job, it basically comes down to your ability to knock on a door of a stranger you've never met, go into their house, present them a product and walking away with money in hand; NBD. – less
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Productive and learning experience
Insurance Agent (Former Employee), Chicago, ILAugust 11, 2014
A typical work day includes following up with my existing clients. Check emails, call new customers and also existing customers to sell insurance, I've learned a great deal of things while working for Combined Insurance. I learned many things other than selling insurance like; filing and reporting, enhance customer service, and selling. I learn a lot – more... about the product we sold like Life Health and other supplement policies. Moreover, my co workers were awesome. We all believe in the word teamwork. Even though insurance is a competitive business we all did what we can to help each other out to meet certain deadlines. In addition, the most enjoyable part of this job was the people. When I say the people I mean my co workers and also my clients. I take pride in my work and I intend to do an exceptional job at all times, so when I give that to my existing clients they put a smile on my face. My co workers were the best. – less
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Great company for Insurance
Licensed Insurance Agent (Former Employee), Houston, TXAugust 8, 2014
Most important part of the job making sure the client was taken care of at all times
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Is a started company for insurance.
Territory Manager (Former Employee), Colorado Springs COAugust 7, 2014
Long hours pay is not that great.
Most fail in the first few months.
If you can stick it out you will become a great sales person.
There sales training is top notch.
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Worse place ever
Terrritory Manager (Former Employee), LathamJuly 28, 2014
will never work here again. bad, bad management. lied about compensation and bout security
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Working at Combined Insurance has enligthed me the complexities of sales
AE Qualified Agent (Current Employee), Raleigh, NCJuly 23, 2014
Pros: emplyee with benefits
Cons: day, nigth and weekend hours
Moring meetings gives positive mental attitude and product knowledge. Contact my customers throughout the day, educating and advising on their needs. Managers are swift to answer any question and provide guidance. The hardest part, is driving the whole day and not having a coworker to converse with. The easiest part is getting to know my customers and – more... advising and helping them save money. – less
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Productive
Agent (Former Employee), Dallas, TXJuly 14, 2014
1. Supplemental Insurance to B2B
2. its hard work
3. ok
4. ok
5. Getting people to buy it
6. When they did buy it
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This is a great company
Marketing (Former Employee), New York, NYJuly 2, 2014
I loved this company. I like the way they are organized and the team experience they offer.
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Insurance Company
Territory Manager (Former Employee), Wilmington, NCJune 28, 2014
Present and explain insurance policy options based upon prospective clients needs and goals with exceptional customer service. Prospect for new business by identifying and qualifying sales leads generated from referrals,
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Big on personal development
Account Executive (Former Employee), Phoenix, AZJune 26, 2014
Pros: great trainings
Cons: 85% cold calling
daily rah rah sessions. Out in the field cold calling 85% of time. I learned dreams are necessary. Team environment
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helping people with their insurance needs
Insurance Agent, Insurance Sales Agents (Former Employee), Burlington, NCJune 25, 2014
Everyday was different and profitable. Knowing when I left at the end of the day that I made sure my clients were well informed and covered on all their insurance needs
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Group Home Supervisor
Life/Health Insurance Agent (Former Employee), Winston-Salem, NCJune 17, 2014
Pros: flexible hours
Cons: the need for me to be at both homes at the same time.
I was managed two group homes for adults with developmental disabilities. The hardest part of the job was the distance between the two homes. Another obstacle was the need for me to be in both homes at the same time.
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Highly competitive, fun and exciting
Account Executive (Current Employee), Little Rock, ARJune 15, 2014
Pros: flexibility, all resources for the job, positive work environment
Cons: wear and tear on vehicle, no base pay
Combined Insurance is an awesome company to work for. Its a company which allows you the opportunity to reach/ meet and exceed your Family, Financial and Personal goals. The management team is very supportive and helpful. Although highly competitive my coworkers and I have a great time and work well together.
Each day is a new opportunity to assist – more... someone in the realm of supplemental health care. Daily one on one consultations, which allow an opportunity to pinpoint areas of interest and concern also provide solutions through our customer centric policies (Life, Cancer, Critical Care, Disability and Accident & Sickness ). It really is a great feeling when you have helped someone and gave them the assurance that if something unexpected were to happen, that they can rest assured that they are protected, The hardest part of my job is when someone wants and needs a policies and they either don't qualify (health) or don't have the means to purchase (finances). – less

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