Combined Insurance "100 commission" Reviews | Glassdoor.com.au

Combined Insurance Employee Reviews about "100 commission"

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  1. Helpful (1)

    "Bilingual Sales Agent"

    StarStarStarStarStar
    Current Employee - Anonymous Employee in Chicago, IL (US)
    Current Employee - Anonymous Employee in Chicago, IL (US)

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

    Pros

    Good company to work for

    Cons

    It is a sale business and that means 100% commission

    Advice to Management

    It would be great to get full benefits + hourly rate and commision

    Combined Insurance Response

    29 Aug 2018 – Social Media Manager

    Thanks so much for taking the time to leave this review! As a current employee we especially appreciate hearing from you. We wish you all the best in your future here with us!


  2. Helpful (4)

    "Insurance Agent"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    I worked at Combined Insurance full-time

    Pros

    Work as much as you want.
    Not many "pros" actually

    Cons

    100% Commission
    Fake people
    They trick you into going to sales school by telling you that the training is in Chicago when it is actually in Des Plaines.

    Advice to Management

    Don't be fake

  3. Helpful (1)

    "Mauvaise gestion"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Représentant des ventes in Montreal, QC (Canada)
    Current Employee - Représentant des ventes in Montreal, QC (Canada)
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

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

    Pros

    Produits intéressants pour les clients.
    Faire son propre horaire.
    Possibilité de revenu illimité selon ce que nous sommes prêts à faire.

    Cons

    J'ai travaillé chez Combined pour 6 mois. Voici mon impression:

    1) Ils vous disent que la formation est payée: oui...si vous réussissez le cours...et ensuite vous recevrez pour vos impôts un beau document disant que vous avez reçu le montant de cette formation comme "salaire"...donc finalement vous payez l'impôt sur un montant important qui ne vous a jamais été réellement versé comme salaire. Et ça...ils ne vous le disent pas!

    2) En avril 2018, ils poussent pour que les représentants (qui n'ont toujours pas de iPad) paient de leurs poches pour une tablette iPad de 500$ qui ne servira qu'à vendre leurs produits. Mais dans le contrat il est écrit qu'ils fournissent le matériel de vente...le iPad est apparemment "pas un matériel de vente" pour les représentants qui avaient fait leur cours sans la tablette. Et en formation en ce jour, vous recevez 1000$ de moins en allocation puisqu'ils vous donnent maintenant la tablette. Une autre façon pour la compagnie de venir chercher de l'argent. La tablette, ils ne la paient pas 1000$.

    3) Comme la "nouvelle plateforme électronique" leur est "plus coûteuse"...on a reçu au mois de mars un courriel nous disant que l'on devait signer un document pour autoriser Combined à faire des prélèvements automatiques aux 2 semaines directement dans notre compte de banque personnel...et si on refuse de signer leur document d'ici la fin avril, ils menacent de résilier notre contrat.

    4) Je ne suis pas intéressé à signer ce document. J'ai donc dit à mon leader de district que je laisserais Combined résilier mon contrat fin avril et que je veux travailler à temps partiel d'ici là. J'ai des rendez-vous de planifiés jusqu'à fin avril 2018 et je compte tenir mes engagements que j'ai pris avec mes clients d'ici là. Mon leader de district vient de m'informer qu'il refuse dorénavant de me donner des fiches de clients et m'a dit de ne plus aller à mes rendez-vous et qu'il m'envoyait une lettre me donnant 10 jours pour me forcer à résilier mon contrat car j'ai refusé d'écrire une lettre de démission. La compagnie semble éviter de se mettre dans la situation de résilier un contrat pour "refus de signature d'un documents de prélèvement bancaire".

    5) Les produits de la compagnie sont bons...mais les clients sont achalés trop souvent par les représentants. Ils commencent à être tannés et vous le disent.

    6) Malheureusement, la façon donc la compagnie est gérée cause beaucoup d'abus au niveau de la vente de polices d'assurances aux clients. Le salaire 100% commission fait en sorte que beaucoup de représentants jouent avec le feu pour vendre au maximum à un client même si celui-ci est très serré au niveau budget. Donc si vous avez une conscience morale et que vous n'êtes pas à l'aise de "jouer sur cette ligne", cette compagnie n'est pas pour vous. Pour un travail de 40 heures par semaine, le salaire est loin d'être suffisant. Sauf si vous êtes prêts à toujours chercher des nouveaux clients et ne pas vous occuper des clients existants...belle mentalité d'entreprise pour les clients!!

    Advice to Management

    Engager des gens qui ont un peu plus d'allure.
    Ne pas achaller les clients aux 2-3 mois...vous allez les perdre!
    Mieux traiter vos représentants qui font un bon travail envers vos clients!!!


  4. Helpful (6)

    "OK job-the vast majority of people fail and no one cares."

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Account Executive in Boston, MA (US)
    Current Employee - Account Executive in Boston, MA (US)
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

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

    Pros

    Flexible hours, decent pay structure. You are paid a much reduced commission rate by selling to existing customers, like you're penalized for servicing your customers. Trips and incentives are good, but the next trip is going to Ireland on St. Patrick's Day-even the Irish avoid it!

    Cons

    Awful management. The Sales Managers are on 100% commission and get a tiny override on their team so there isn't much incentive for them to help you out. You are expected to pay for all travel, even mandatory meetings that are located hours away and take you out of the field for 1-2 days. You get publicly shamed if you don't write business on a Monday...even if you are the top agent and work all weekend. PMA is in theory only. People work at Combined for 30 days or 30 years. Nothing innovative, no CRM, marketing, social media allowed. You can't even write an email to a potential client. You are absolutely on your own. The underwriting and marketing guidelines are ridiculous...you waste your time thinking you are doing the right thing for a client based on the information you are given but policies aren't issued. THEN it affects your bonus structure! There are so many better companies to work for-modern approach with better products. Don't drink the Kool-Aid. Go elsewhere.

    Advice to Management

    Pay attention to the people who sell your products. No one is more important. Pay attention to your competition. The 1922 model you use might need to be tweaked in 2017. Just saying. Give sales people accurate information on underwriting. Stop jerking clients around with claims. Don't expect us to hire your people. The bonus isn't worth the trouble.


  5. "Great opportunity if field sales is your thing, 100% commission based."

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Sales Agent in Columbia, SC (US)
    Current Employee - Insurance Sales Agent in Columbia, SC (US)
    Recommends
    Neutral Outlook
    Approves of CEO

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

    Pros

    Training is provided, which is ok.
     Benefits are great but not immediate

    Cons

    The position is 100% commission based

    Combined Insurance Response

    28 Nov 2017 – Social Media Manager

    Thank you for taking the time to review our company. As a current employee, we are especially grateful to hear from you. As you mentioned, we offer a comprehensive benefits package. Our agents have... More


  6. Helpful (2)

    "Combined AGENT"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Agent in Raleigh, NC (US)
    Current Employee - Agent in Raleigh, NC (US)
    Doesn't Recommend
    Neutral Outlook
    Approves of CEO

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

    Pros

    Great policies that helps people at the time of need and it's satisfying to know that when a life event happens you assisted in protecting your client

    Cons

    They say they promote on merit vs tenure ; sure that works in other parts of the country than in the mid-Atlantic region. They say you are in business for yourself but not by yourself but that is far from the truth ; once you are outside of your 26 weeks get ready for no support or assistance ie: coaching.
     Lots of meetings weekly and monthly market meetings for agents / AE in those positions.

    The most valuable meeting is the twice yearly regional meetings bar NONE hands down.

    This is 2017 not 1990 ; things that worked then in: marketing, management , HR don't work the same today .

      There is Favoritism, NEPOTISM-- even though they say they don't directly report to them. NO home office oversite of the ZONE personnel , if your not one of their cohorts / buddies your are on the outside looking in on the IN crowd . If you have a chance please consider other avenues of employment else where don't waste your time here especially not the East zone or Mid-Atlantic region

    Have Upper management with Degrees that are in the business, marketing or insurance fields not ---- a High School Diploma.

    Personnel in the agent/fieldarea has a High High Turn-over!!!!

    NO follow thru , No Trust built up from agent to DM's , MD'S
    Promoting certain employees over others that have more merit than others that are a better fit for that mid level management position

    100% commission based position

    Advice to Management

    Management shouldn't be micro managers to adults that know their craft.

    Need to rotate management positions more often ; (esp: HR business partners; all they do is anything to protect their job and not look or assist employees at all just be better off talking to a wall.) ; this would grow the company and allow all people to shine with out being suppressed by not being their pal, buddy , favorite or in the group of select few or Family member.

    There are others but doesn't matter about how often they say there is an open door policy your discussion falls on deaf ears.


  7. Helpful (2)

    "Insurance Agent"

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

    I have been working at Combined Insurance full-time

    Pros

    Training in Chicago is a great experience and morale booster.

    Cons

    100% commission, mandatory redundant unpaid meetings, benefits

    Advice to Management

    Spend more time with employees during initial weeks

    Combined Insurance Response

    5 Sep 2017 – Social Media Manager

    Thanks so much for taking the time to review our company and for mentioning that your training in Chicago was a great experience and morale booster. We wish you all the best in your career here with... More

  8. Helpful (7)

    "100% Commission, No Leads"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Agent
    Former Employee - Insurance Agent
    Doesn't Recommend
    Neutral Outlook
    Approves of CEO

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

    Pros

    Paid training in Chicago is spectacular!
    Good products.
    Positive Mental Attitude approach is kinda dumb but it works!

    Cons

    Driving to the ends of the earth to reach assigned territory.
    "Leads" is a binder of current customers and a list of businesses in the area.
    No name recognition (no one has ever heard of Combined Insurance).
    100% cold calling + 100% commission = Go work somewhere else

    Advice to Management

    Enjoy living off your residual commissions because no new business is going to happen.

    Combined Insurance Response

    10 Feb 2017 – Social Media Manager

    Thank you for taking the time to review our company and for mentioning our excellent product line. Our agents do work on 100% commissions and are responsible for generating most of their leads, as... More


  9. Helpful (1)

    "Insurance Agent"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Representative in Upland, CA (US)
    Former Employee - Sales Representative in Upland, CA (US)
    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

    29 Nov 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


  10. Helpful (6)

    "Great place to learn sales and move on"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Sales Agent in Pittsburgh, PA (US)
    Former Employee - Insurance Sales Agent in Pittsburgh, PA (US)
    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

    20 Oct 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