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Excerpts from user reviews, not authored by Glassdoor
- "As an agent you make your own pay and you have great training" (in 119 reviews)
- "People were great and very conscious" (in 41 reviews)
- "Benefits are good." (in 39 reviews)
- "Have a good supplemental Insurance product." (in 19 reviews)
- "Competitive pay, flexible schedule and endless tools and resources for all Agents!" (in 19 reviews)
- "Commission Only and training is UNPAID." (in 47 reviews)
- "The management is poor and not professional." (in 46 reviews)
- "Territory managers have to recruit and train agents and give them all the commissions." (in 33 reviews)
- "Long hours (5 to 6 10 to 12 hour days) an excessive amount of meetings." (in 29 reviews)
- "Upper management could care less about the agent themselves, except what the agents can put in managements pockets." (in 18 reviews)
Reviews about "hour"Return to all Reviews
- 5.02 Oct 2018Financial Security AdvisorCurrent Freelancer, more than 5 yearsMontreal, QC
-Self-Employed so a lot of freedom: hours, unlimited income, -great support and training -a constantly improoving company, possibility of quick advancement -Encourages self-improvement -Great commission, bonuses and by-yearly trips -lifetime royalties ...
-Requires a lot of discipline and autonomy -If you cant cut it you'll probably wont make the first year -Its not a job, its a career. Work/life balance will need to adjust... To succed you need to work hard and long hours. The the success is limitless
- 3.020 Jan 2011Territory ManagerCurrent Employee
Second to none training All materials provided Needs-based selling Semi flexible schedule Good product base Bonus Potential They pick up tab for business trips Good trips to earn
Aggressive pushing from VPs to MDs to TMs to 'hit numbers'. Lot of hypocriticial action from upper management. Misrepresention!!! Will say they provide leads but the leads are used up 'active customers' who are burned up about being contacted so much. Uses leads to 'trap' employees but then told to cold call and cold call some more. Will hire up anybody and then expect TMs to train people who should have never been hired. Pay sheets are IMPOSSIBLE to read. Even as a TM, I am uneducated on them. Have heard a number of claims issues. Schedule may be flexible but it's a lot of long hours and weekends. Pay structure is impossible to follow. (expecially for TMs and expecially the new 2011 concept) Seems to have a lot of responsibility for such a small base salary at the management level. As a W2 company, even managers are treated as 1099s. Expected to pay all phone, computer, fax, office supply out of pocket. (was not give a program necessary to do my job and I refuse to pay 200$ out of my pocket for it...Microsoft Office)1
- 1.03 June 2018Sales RepresentativeCurrent Employee, less than 1 year
Sales school, free food at meetings
Working 50+ hours a week for two months straight and not getting paid with absolutely no support from management. No other agents in my area so I can't even ride with someone for moral support. Completely on my own and lost. My boss has been gone for over a month. I don't know where or why.16
- 1.013 June 2017Anonymous EmployeeCurrent Employee
IF they decide to they can give you leads.
Way too many to name. Leaders are really unprofessional in my opinion. They will tell you they pay you for training. Once you are in they find a reason not to pay you. It's long hours and a lot of travel. If you have a problem you can't complain. Complaints are seen as negative behavior. Don't disclose a disability either.3Combined Insurance Response7y
Thank you for taking the time to review our company. We take your concerns seriously, and want to help you succeed. If you would, please email us at email@example.com to give us more details or contact your HRBP so we can make sure you are receiving all the support you should as an agent. We wish you all the best here at Combined Insurance.
- 2.08 Mar 2018Insurance AgentFormer Employee, less than 1 yearCovington, KY
Company has a strong financial backing by the CHUBB company and has been in business for many years. products are good. As an agent, there truly were no pros. I attended training in Chicago which was very stressful. Trainer was inadequate, had never sold a thing in her life. decent knowledge of the products but knew absolutely nothing about sales or customer service, attempted to train us like we were her pet monkies., was very rude at times and condescending. I left my family a whole week only to be publicly insulted & humiliated several times . Accomodations were okay nothing great. Classes were long with evening assignments that lasted til 9:00 at night. I was paid $500.00 for about 60 hours of work so approx minimum wage.
There were no leads in my area so I would drive for an hour and a half before sitting down in front of a client. What the company considered as leads was actually their data base of customers who they revisited over & over & over. Some clients had as high as (9 ) of their policies. many were very irritated when you arrived at their door. I was told in the beginning that I would be working with businesses which was very appealing only to find out that none of my managers knew nothing about how to go about that. I was with this company just shy of 120 days and earned less than $1,000.00. Gasoline & auto repairs cost me a lot more than this. I have been in sales for many years starting out in college selling Kirby vacuums whre I was promoted to a distributor only after a couple of years so I was not new to this type of sales.8Combined Insurance Response6y
Thank you for sharing this review. As you mentioned, we are a Chubb company and have had nearly 100 years of success in the insurance industry. Our trainers work very hard to make sure our agents are prepared for sales in the field, and we regret you feel you had a negative experience. If you would like to share specifics about your experience so we can share with our training team, please email us at firstname.lastname@example.org. We wish you all the best in your future endeavors.
- 1.020 Oct 2013Territory ManagerCurrent Employee, less than 1 yearLos Angeles, CA
Opportunity to make some money if you work 12 hours a day and weekends
Upper management would not keep promises, would gossip and spread rumors that were not true, down right lie to lure people in. Territory Managers or agents had to pay for their own business expenses (except mileage) and expected to work long hours, weekends, even holidays. Products small in premium so had to sell large volume - expected to produce new business/daily and if not we we're humiliated in front of everyone.3
- 2.031 Dec 2014Sales AgentCurrent EmployeeRapid City, SD
One week training in Chicago, 7 a.m. to 9 p.m. Some in the class were already insurance agents, so they did well. The program was too fast paced for newbies.
In Chicago, we learned the pitch for 2 programs which my manager says I shouldn't sell, just focus on the low commission accident plan! After coming home, we were supposed to have a week field training. I got a total of about 16 hours of training two weeks after I was home! Since then, I have met with the manager twice and we were out 'sight seeing' two afternoons. One afternoon, there was one presentation! We do not have morning meetings. get a text message almost every night as to how well others are doing. The manager acts like he is afraid of the I-Pad! I suggested Facetime meetings, but he would not go for that. When I call with a problem, I get no answer from the manager, I have to ask someone higher up for a solution. I haven't made enough commission to pay for the gas!3
- 2.015 Oct 2014Anonymous EmployeeFormer Employee
Free Basic Pension Plan, Simple to understand, in demand and affordable supplemental benefits portfolio. Quick and easy claims service. If you are not lazy, as an Agent, you can earn 50k-60K+ realistically first year commission + bonuses. A+ rated by AM BEST. 92 years in business. Some room for upward mobility in your career. Agents have freedom to make their own work schedule outside of a couple weekly team meetings. The company does provide excellent sales training on the company's dime, and provides a good track to run on especially for those who have never worked in the insurance industry. If you are willing to take a risk, there can be a reward for your efforts.
Long hours, very little work/life balance for managers. Many have quit and 80% are failing. They put tremendous pressure on management for daily sales results and make you feel bad when the week doesn't go well. It's not fun to be in the spotlight for the wrong reasons. Sales always comes with its ups and downs. Compensation for agents is commission + bonus only. Territory Managers are paid a laughable salary for all the work they do and put in 12 hour days. It works out to about $8.33/hr. Combined controls the management like they own you 24 hours a day because they pay you this piddlin salary. Skilled professionals deserve much better, but we have corporate executives to thank for the low pay, and they think it's too much to pay us. Agents and Account Executives can out earn a territory manager any day of the week. If you are a good agent for them, DON'T take the promotion to TM. You will make less money and suffer severely financially. Managers have to pay for their daily travel expenses out of their own pockets. The company reimburses ZILCH.4
- 2.03 Sept 2018Anonymous EmployeeFormer Employee, less than 1 yearIndianapolis, IN
Decent pay if you are good with people.
Long hours (5 to 6 10 to 12 hour days) an excessive amount of meetings. Meetings twice a week and sent out of town for meetings about once a month effectively losing 2 days of field work.8Combined Insurance Response6y
Thank you for taking the time to leave this review. It's true this type of sales is not for everyone, and we regret it wasn't a good fit for you. We wish you all the best in your future endeavors!
- 1.016 July 2015Sales RepresentativeCurrent EmployeeColumbus, OH
Flexible hours and no micro-managing
It is straight commission and a roller coaster ride. Also a lot of travel that puts a lot of wear and tear on my car and I spend a lot for gas.1Combined Insurance Response9y
Thank you for taking the time to give us your valuable feedback. I understand that sales can be a challenging position. We support new hires by providing robust classroom and field training, free leads, and an online portal which contains a vast library of resources. We encourage you to reach out to your manager for more support. We wish you the best here at Combined Insurance!