Combined Insurance FAQ

Have questions about working at Combined Insurance? Read answers to frequently asked questions to help you make a choice before applying to a job or accepting a job offer.

Whether it's about compensation and benefits, culture and diversity, or you're curious to know more about the work environment, find out from employees what it's like to work at Combined Insurance.

All answers shown come directly from Combined Insurance Reviews and are not edited or altered.

41 English questions out of 41

2 May 2020

What is health insurance like at Combined Insurance?

Pros

The training program for this company is phenomenal and far beyond that of their competitors like AFLAC where they give you a book and say good luck. Before you hit the field on your own you go to Sales School which is where you learn the skills you need to become a successful salesman. After you complete Sales School you go out in the field with your District Manager and they will provide you with your initial on-the-job-training which continues to refine your salesmanship. Over the next 6 months your District Manager will meet with you one-on-one on a weekly basis and check in with you frequently to assist with any issues or to provide guidance. If you are lucky enough to work out of the Rapid City area you will have the pleasure of working for Dean Mueller who is a phenomenal leader and mentor. Combined Insurance employees you as a W-2 employee as opposed to contracting you as a 1099 business. You are regularly provided with leads from the company which is great. You can work residential, ranches, and businesses in the field or now at home. This gives you to access to their health and supplemental insurances along with 401K. The first 6 months you work for them you get a base salary and earn commissions on top of that. The earned commission percentage increases at 3 months and again at 6 months where your base salary discontinues. Monthly bonuses are very achievable as are their quarterly and annual trips. The culture at Combined Insurance is fantastic too. They expect you to be successful both professionally and personally. I am very fortunate to be a member of the Combined Family.

Cons

Like any sales job, you get out of it what you put into it. You are provided with all of the tools you need to succeed but this job is not for everyone.

Advice to Management

Keep up the good work!

Combined Insurance employees you as a W

2 May 2020

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26 October 2019

Does Combined Insurance pay for professional licenses?

Pros

you get to go to a 5 star hotel for the first 2 weeks to hear all the propaganda and learn the sales pitch you are supposed to try to get someone to buy supplemental insurance, they also pay for you to get your insurance sales license, 400 each week for the first 2 weeks.

Cons

Mandatory weekly pep talk conferences, cold calling, old leads, driving over an hour to your territory then walking door to door , knocking on doors. pay not commensurate with the hours.

Advice to Management

give the new employees more support

you get to go to a 5 star hotel for the first 2 weeks to hear all the propaganda and learn the sales pitch you are supposed to try to get someone to buy supplemental insurance, they also pay for you to get your insurance sales license, 400 each week for the first 2 weeks.

26 October 2019

See answer

28 November 2019

Does Combined Insurance offer vision insurance?

Pros

Some really great people who worked there

Cons

Recently unable to sell any more insurance because of shonky agents and managers that turned a blind eye and failed to pay proper pay rates and holiday pay

Advice to Management

Great to see justice in the world

Recently unable to sell any more insurance because of shonky agents and managers that turned a blind eye and failed to pay proper pay rates and holiday pay

28 November 2019

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14 August 2019

What is the retirement plan like at Combined Insurance?

Pros

Positive atmosphere, good advancement opportunities if you are willing to work hard. Unlimited income potential. Great 401k and benefit package.

Cons

Not a job if you have to rely on commission income.

Great 401k and benefit package.

14 August 2019

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14 June 2019

Does Combined Insurance offer parental leave?

Pros

A solid look at insurance sales, door-to-door sales, learning the business.

Cons

Expect to work 7 days a week making phone calls on Saturday and Sunday and seeing customers Monday through Friday from dawn till way past dusk. Turnover in the sales force has to be 95% at best. The vast majority leave within 3 months. Even many top agents leave within a year. Even those Who Have Made It consistently to account executive or senior account executive. They simply get burned out, they can't keep up the pace, and they eventually realize that the grass really is greener elsewhere. No matter how well you do management always wants more. Sold 500 APV? Then you can sell another 500 even though it's 9PM. Sold 1,000? You can sell 3000 because somebody somewhere did it. So-called work-life balance is non-existent.

Advice to Management

Tell the average sales agent exactly what the top earners do and how they do it.

The vast majority leave within 3 months.

14 June 2019

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41 English questions out of 41