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Combined Insurance

Part of Chubb
Engaged Employer

Combined Insurance

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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.

44 English questions out of 44

19 June 2021

Does Combined Insurance offer dental insurance?

Pros

If you are willing to commit to a year and follow their training program, Combined Insurance provides one of the best knowledge based learning about supplemental insurance and have to be a great sales professional. Customers love the products price points and benefit offerings.

Cons

Combined Insurance is almost a 100 years young organization. Since Chubb acquired Combined Insurance back in 2015, Combined insurance is going through many changes and challenges. Overall, they went from a family and customer focus mindset to a more stockholder - profit driven mindset. Recently they merge their Worksite Division with their Core (mostly residents focus) Division. Customers are seeking two things. First, to have the same local agents. Second, there was a time when all you had to do was completed a claim form, have the doctor complete a doctor's statement and you were paid. Today, loyal customers feel these two requirements are no longer enough and whatever Combined use to do behind the scenes (maybe contact the doctor/hospital for verification) the burden to provide proof is now placed with the customer.

Advice to Management

Go back to the family focus mindset where the focus is lets take care of customer first. In turn, our customers will take care of our agents, and our agents will take care of the company's long-term success. Change the claim process! Today's customers are seeking to complete the claim form, obtain the doctor's statement, and sign a HIPPA release form for Combined to obtain whatever necessary information to process the benefit check. They expect the claim process to follow the same methods as a property insurance claim, an easy process! Many customers are recovering from their illness or accident, and do not have the ability to move or travel outside the house and they need their money fast! During my years at Combined, many of the customer (especially newly acquired customers) left due to their poor claim experience.

Since Chubb acquired Combined Insurance back in 2015, Combined insurance is going through many changes and challenges.

19 June 2021

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28 February 2022

Does Combined Insurance offer parental leave?

Pros

Great benefits, medium salary, Maternity leave top up

Cons

New managers micro manage, difficuly to move up on the hierachy, not always provide all the benefits you deserve, tuitions reimbursment is available you cannot really benefit from it as Customer service agent...

Advice to Management

Provide all benefits available, trust your employees

Great benefits, medium salary, Maternity leave top up

28 February 2022

See answer

19 November 2021

Does Combined Insurance offer life insurance?

Pros

Supplental insurance policies; limited whole life options, but still great coverages.

Cons

Supplemental insurance; Niche market; Limited options for prospects who seek alternative insurance options.

Advice to Management

None. My field manager was excellent, very knowledgeable, and an expert salesman.

Supplental insurance policies; limited whole life options, but still great coverages.

19 November 2021

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2 May 2020

Does Combined Insurance offer malpractice 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!

The culture at Combined Insurance is fantastic too.

2 May 2020

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21 April 2022

What is health insurance like at Combined Insurance?

Pros

Management is phenomenal. They really care about your workload and growing your career. Pay and benefits are above standard relative to experience. Great health insurance benefits with medium costs.

Cons

The software utilized by the company is very dated, which is somewhat normal for the healthcare industry. Their business processes can be frustrating to deal with. Account managers and Customer Relationship Managers can be a pain to deal with.

Great health insurance benefits with medium costs.

21 April 2022

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44 English questions out of 44