Combined Insurance Employee Reviews about "commission"
48% would recommend to a friend
(179 total reviews)
73% approve of CEO
What are your colleagues talking about?
Top Review Highlights by Sentiment
Excerpts from user reviews, not authored by Glassdoor
- "As an agent you make your own pay and you have great training" (in 125 reviews)
- "Benefits are great but not immediate" (in 40 reviews)
- "People were great and very conscious" (in 37 reviews)
- "Flexible schedules to work around family needs." (in 21 reviews)
- "Great supplemental insurance products" (in 20 reviews)
- "Commission Only and training is UNPAID." (in 46 reviews)
- "The management is poor and not professional." (in 45 reviews)
- "Territory managers have poor coaching skills and therefore micromanage their agents." (in 32 reviews)
- "Long hours (5 to 6 10 to 12 hour days) an excessive amount of meetings." (in 31 reviews)
- "Upper management could care less about the agent themselves, except what the agents can put in managements pockets." (in 18 reviews)
Found 179 of over 1K reviews
Updated 30 Nov 2023
- Most Recent
- Highest Rating
- Lowest Rating
Reviews about "commission"Return to all Reviews
- 2.023 Jan 2015Insurance Sales AgentFormer EmployeePortland, ME
Peers and leadership are nice and supportive. The school in Chicago is all expense paid and the instructors promote a genuine care and concern. 55% commission versus typical 30% commission pay structure for worksite products and bonuses earned.
They hire anyone. You are in a room, which extremely unprofessional peers and leadership. The schooling in Chicago, elicits a robotic and cult like feel. They make you memorize scripts verbatim and chant cheesy lines as a form of motivation. You have to hustle knocking door to door on businesses. They present the idea, that leads are provided. By leads, they mean a list of businesses in your designated area which you cold call and randomly door knock. Compensation for worksite is only 55%, versus life insurance which is typically 75-90%. Guaranted pay goes by very quickly and is not enough to sustain a person. The expense of gas is high as you have to drive to random businesses, in your attempt to bombard them with a forced sales presentation. I've witnessed leadership, be overbaring to the point of their very presence creating a high degree of tension by simply walking through the door. It's an embarrassing feeling as well as association.6
- 1.011 Oct 2021Licensed AgentCurrent EmployeeGreen Bay, WI
After you make a sale, you get paid. Although that could take over two months...
-Little to no training. To hit your goals, trainer will say and do unethical(borderline illegal) things to get sales. -Compensation is regularly incorrect and late( I was not paid my commission for two months for work performed and completed. Then the entire sales force had their pay delayed for a week, apparently due to a technical difficulty. Smells like they invested the extra cash they had for an extra week to make a profit.) -Upper management makes promises they do not keep and then ignore emails, calls etc. -Human Resources does not answer the phone, or return calls when a voicemail is left. -Leads are only existing policy holders that more times then not do not qualify for other policies.4Combined Insurance Response3y
We recognize and apologize for the experience you have had and ensure that this is not the way we run our business and take these remarks seriously. We certainly value our current employees and want to make sure your concerns are addressed. We aim to make sure our employees are well trained, and we don’t condone the training methods you are describing. Additionally, we want our employees to feel heard, so we regret you don’t feel this has been the case. If you would like to share additional information about your experience please email us at email@example.com. We wish you all the best in your future.
- 2.04 Dec 2015Sales RepresentativeFormer Employee, more than 5 yearsNew York, NY
Being able to have a flexible schedule and advanced commissions can be awesome! If you're independently motivated, this is a good fit
Working on 100% commission has a downside, and unless you have a strong residual check, there's no such thing as paid sick leave. Upper management was not very flexible or supportive.2Combined Insurance Response8y
Thank you for taking the time to review our company. Sales agents have the flexibility to run their businesses and schedule their appointments, making it an ideal career for someone who is looking for work/life balance. To be successful, agents must have a strong work ethic and be great at self-motivation. Our agents have the potential to earn virtually unlimited income, and all of our employees enjoy a comprehensive benefits package. We work hard to make sure every employee has the support they need to be successful, but it sounds like you were disappointed in the support you received. We are always striving to improve, and we would appreciate it if you would please send more information to firstname.lastname@example.org . We wish you all the best in your future endeavors.
- 3.015 Apr 2015Account ExecutiveFormer Employee, more than 1 yearLos Angeles, CA
Good Insurance products and Management does it's best to help in every way to make to sucessful. For top producers they offer nice trips and bonuses.
They pay you $500 week for first 3 months then it goes away and you are 100% commission. If you do well this is okay but 3 months is not enough to get going management should consider changing to 6 months to a year before making you go 100%.9Combined Insurance Response9y
First, I would like to apologize for the delayed response. We appreciate your feedback and look to it for opportunities to continuously improve our company. Thank you for the time you spent with Combined Insurance and we wish you the best of luck in all of your future endeavors.
- 3.04 Oct 2017Anonymous ContractorFormer Contractor
Being an independent contract allows you the freedom to do as you please and depending on what team you're a part of, people are very supportive and look to see you exceed. Your pay is 100% commission and so what you make is up to what you put in.
Because of this commission based pay it can feel at times that everyone is just around for the money (which they are) but they push on you to make sales and get kind of angry when you don't. If that environment is good for you then there really are no other problems with the job. If you don't like people constantly being on you to make sales (to reflect their pay check) then it's not the job
- 2.018 Sept 2012Sales RepresentativeFormer Employee, more than 1 yearMorgantown, WV
There is also a pretty good support system in place. You get your license, go to a 2 week intensive training camp, and then you spend your first 13 weeks in the field with your TM as they help you get on your feet. Then after that you're supposed to get 1 day a week in the field with your TM as long as you are an agent. If at any time you need help or are struggling, you can reach out for an olive branch and get help. Many times I called my TM, MD, or even another contact in the company for help/advice and they take you under their wing to help you reach their goals. One of the main reasons I'm glad I worked for Combined was the general experience and insight gained from doing door-to-door sales. It is a really great opportunity to network and meet a lot of interesting people. It also taught me the value lesson of not passing judgement on people based on appearance, living conditions, etc. There were many instances in which I encountered individuals & families that lived in dilapidated housing & trailers with trash everywhere and their visual appearance and mannerisms very unkempt. However, you still must talk to these folks and more often than not, they turn out to be some of the nicest, most hospitable (and in some cases, wealthy) people you have ever met in your life. The job really helps you gain a new perspective on things and I will forever value the experiences and people I met. The job also allows for a significant amount of freedom. You are able (depending on the management style of your TM or MD) to set your own appointments and hours as you choose, so long as you meet your sales goals. There were many times that I didn't begin work until noon (but usually worked until 7 or 8PM), and also took days off without having to notify anyone. Note: I also had a laid back TM and great production so I had more freedom than others. The goal/incentive system is also pretty cool and can help you pad a resume. There are multiple incentive levels to win rings, pins and recognition with production. You can also win free trips, bonuses, etc. I won all of the awards, but I would have rather had the cash value than the hardware.
-For starters, most of the income numbers they share are fallacies. I was the #1 agent a year and I outsold all of my colleagues by a big margin, and I barely made a living. You are paid advance commissions. So when you sell a policy, you are paid half up front, 25% upon issuance of the policy, and the remaining 25% is broken into 3 payments - paid during month 10, 11, and 12 that the policy is in effect. You are also paid a 2-5% residual on the monthly payments every month thereafter. IF AND WHEN the policy is cancelled or does not get issued, you will receive a charge back to your account for any commissions paid (not pro-rated) and this is wipes out future commissions and is not taken into account when they calculate income #s. Keep in mind that this is supplemental insurance, so when money gets tight for customers, this is the very first thing that gets cut and it happens often. After 6 months I was congratulated for earning $30k and being on pace for $75k in the first year, but I had actually only totaled $17k in paychecks. -Territories also are not protected and neither are customers. Other agents can come by at any time and work in your area or sell to your existing contacts/customers (there have been several instances of agents rewriting policies, getting customers to cancel existing policies to sell a new one under their account) -Expenses are your own. You will spend tons of time driving, and the general rule of thumb is that you get 1 sale for every 5 solid appointments. There are lots of distant meetings to attend as well. You are not reimbursed for gas, meals, or anything else, save those receipts and claim it on your taxes. -You are also taxed at a flat rate of 20%. This was a shock for me when I was due a check for $2000 and my check came out to <$1600. -Your vehicle will endure substantial wear and tear. You have to be out selling if you want to make any money, regardless of holidays, weekends, weather, etc. Tons of miles. Gas will cost you upwards of $150-$200/week. -You will also spend an extensive amount of time on this job, and also at home. I found myself waking up at 730, getting ready and leaving at 830, first appointment/meeting at 9, last appointment at 7, home by 730, on the phone til 9, paperwork (lots of it) until 11 or 12, and then readying my outfit for the next day. -Leads are provided, but they are lacking. Most leads are just info on existing/former customers, and the info is usually wrong and they don’t qualify for anything. -Promotions are also difficult to get. You need consistently high production for 2 straight quarters (and this dries up the well). You have to drive farther to find new prospects, policies begin to drop (this affects your quality rating, and if it drops below 80% you are ineligible for promotions, incentives, and bonuses), and sales decline. -Making TM is even more difficult. You need to blow the doors off and set records with production, and there needs to be an opening. I made TM, but it was a nightmare. a spot opened up and I was called upon to 'help out' agents to help them close sales. This kept me out of the field and my sales dropped. This continued for 2 months with the carrot constantly being dangled in front of me. I was also told I would have to relocate and would not be reimbursed. When I finally was promoted the MD made it sound like he was doing me a favor. At every turn I was reminded of this and it was as if I had to earn my keep. You get a $1000/week base salary for the first 13 weeks (then it drops to $1000/month) plus commission. You are required to field train your team of agents 3 days/week and expected to have them hit all of their goals and win awards, and you ride solo 2 days a week. It's impossible. I found myself working weekends and spending 12 hour days with my frustrated agents. Unless you have a team of crack agents, you will fail. -Longevity and retention is a huge problem with this company. You will be force fed these stories about people making tons of money and winning all of these awards, but those people are few and far between. THIS COMPANY WILL HIRE ANYBODY WITH A PULSE. Buyer beware! As long as you pass your insurance license test (which 70% of the time you have to pay for) you will be hired. One of my agents they hired was a 67 year old man that could barely read and mental math (as simple as 19 + 14) absolutely eluded him. Remember, this is supplemental insurance - the people that need it don't have money or benefits. Most prospects are unemployed or below the poverty line. People with money don't have a need for the products, and if you can't develop a need, they won't buy -OVERALL - this is a decent job if you are strapped for cash and need it quick, or if you are looking to build some initial real world experience. If you are already an experienced sales agent, I would go elsewhere with a better product portfolio where you will be more successful.7
- 3.08 Feb 2013Anonymous EmployeeCurrent Employee, more than 8 yearsDallas, TX
One week intense training in Chicago is very good. Field training and support is available after the initial class room style training. Small stipend for first 6 weeks and great new hire bonus schedule that's realistic to achieve. Some leads provided. Great incentive plans. Benefits offered after 6 months to a year depending on the specific benefit.
Need to be highly motivated with good work ethic! Cold calling is a must! The leads that are provided are often over worked and cherry picked prior to distribution. The potential income is largely exaggerated. Name recognition is not what it should be competitively. Most importantly, one is often very surprised by one's expected paycheck. 100% commission job that's not a true con unless you don't understand that. 6 weeks of a stipend isn't much for an inexperienced agent. Don't leave a steady secure paycheck for promises of grandeur!5
- 5.02 May 2020Sales RepresentativeCurrent Employee, less than 1 yearRapid City, SD
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.
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.1
- 2.05 June 2021Insurance AgentFormer EmployeeMassillon, OH
Excellent training program for new agents.
Commissions are far below average and leads are old and unreliable.2
- 1.029 Mar 2019Insurance AgentCurrent Contractor, more than 1 yearCalgary, AB
you are completely independent (and good luck is what you need to make money because it's 100% commission.
bad management, greedy, unprofessional, you will owe the company $5000 for your training if you don't sell enough to pay for your training. Training is NOT free. Deceiving.1