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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 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)
Reviews about "manager"Return to all Reviews
- 1.030 Oct 2019Sales RepresentativeFormer Employee, less than 1 yearKnoxville, TN
None. If you want to be extremely frustrated, then, by all means, go for it. There’s a reason while they run an agent mill that cranks out new agents a few times a month. Virtually all agents flame out within 6 months.
Everything. If you want to spend all your commissions on gas, fast food, and vehicle wear and tear, then this is the perfect job for you! This company operates with an outdated door-to-door model. Most people don’t appreciate salesmen knocking on their door after dark in 2019. It was an accepted practice in 1949–but not now. Management will harass their sales people. I would get text messages in church at 10a.m. I would get texts from management while I was in bed at 10:30 pm. I’m not a trauma surgeon, and no one was bleeding to death. This manager was predatory in his sales practices and very uncouth in his interaction with employees. There is no such thing as work/life balance. What I have stated to true of probably 95 percent of this company’s sales force, most likely more. I could write for days about the sleazy practices that I noticed while working for Combined.7
- 1.02 Jan 2015Insurance AgentFormer Employee, less than 1 yearBeckley, WV
Take the free trip to Chicago for training if you want - met nice people. The training is worthless once you get back home where the managers will train you their way. Be warned, the person who interviewed you probably won't train you.
Ask your potential trainer what they make per week - is it more or less than what you want? You probably won't make more than them. Learn the do not call laws and beware of managers who tell you to call those on the list.4
- 1.03 Feb 2016Insurance AgentCurrent EmployeeZone
Set your own schedule. Always looking to promote.Great compensation in the first 6 months.
Your success is based on your direct managers ability to train and willingness to work with you. Being straight commission, it became difficult to predict my paycheck when my manager would take some of my sales if he was hard on money. If you use paper applications, you must turn them in to your manager to be sent in. I found out he would take a few and claim them as his own. I tried contacting HR but I was refused multiple times to talk to someone. I couldn't get past the agent hotline representative. It also doesn't help that he uses drugs while you are working with him.2Combined Insurance Response8y
Thank you for reviewing our company. We take the allegations raised in your review seriously and ask that you contact us with your contact details as soon as possible so we may address this issue. Please email your contact information to firstname.lastname@example.org and we will reach out to you. Thank you.”
- 1.026 Sept 2016Anonymous FreelancerFormer Freelancer, less than 1 yearToronto, ON
Good opportunity to make quick money if you're a strong sales person and ready to work 24/7.
Terrible management that didn't know what they're doing. District managers are hungry for money and will step on those under them without hesitation to get where they want.Combined Insurance Response8y
Thank you for taking the time to review our company. As you note, our successful Agents have the opportunity to make a virtually unlimited income based on the volume of their sales. It is our goal to be a great place to work, and we take all feedback seriously. and We will share it your comments with our leadership. If you would like to add any more information, please email us at email@example.com. We wish you all the best in your future endeavors.
- 4.012 Nov 2017Sales AgentFormer Employee, more than 1 yearFarmingdale, NY
Worked at Combined for 2+ years. Only left due to personal health issues. My Market Director was extremely caring and understanding. My manager was always supportive and went on appointments with me whenever I needed help.
It's not an easy job but you get out of it what you put in. It's easy to blame the company and those in positions above you when you don't do well. It's harder to look at your own actions or lack of. I hope to return to Combined if my health allows.1Combined Insurance Response7y
Thank you for taking the time to share this thoughtful review. We know strong leadership starts with having compassion, so it’s really great to hear that you’ve experienced this type of leader at our company. We truly hope that your health allows you to join our team again. We wish you all the best!
- 3.024 July 2015Insurance AgentCurrent EmployeeNorwich, NY
Flexible working conditions. Can be good but inconsistent income. Fabulous products and claims paid. Upper management, I believe, is dedicated to Mr. Stone's original philosophy.
Territory managers are very inconsistent in following through with an agent who has been working beyond the 3rd or 4th month. Extremely mis-managed assignments causing not only lost sales opportunity but great confusion for our clients.
- 2.03 Feb 2016Anonymous EmployeeFormer Employee
You can make lot's of money if you're willing to work hard and get your hands dirty from time to time. You more or less set you own hours.
First, do your research on Combined. Google 'Combined Insurance FSA UK' and you will see why they shouldn't be trusted. The problem I had, as a sales agent, was I didn't feel like I knew enough about the insurance market to best advise people on what coverage they needed. And it all starts with the training. The training is in a classroom setting for 3 weeks with other individuals who are able to breathe oxygen. I don't mean this to be pompous in any sense, but when you're sitting next to someone who can barely speak English, you wonder how they made it past the interview. And this problem is systematic with Combined Insurance. They’re more concerned with quantity over quality of sales agents. Your first week is to get you past the exam. You have to score a minimum 60% on this provincially mandated exam to determine whether you're qualified to sell health and accident insurance - life insurance is a different ball game. The teacher will ensure they can do everything in their power to get you through this exam (practice quizzes, group help, etc.) The teachers are honestly great. However, I scored 85% on the exam and still felt like I wasn't qualified. This leads in the two subsequent weeks of learning nothing but Combined products. Specifically on how to sell Combined products. Can you memorize their sales script you've been hammered over the head with for the past two weeks? CONGRATULATIONS! You're now eligible to advise people on important financial decisions regarding their health. Oh, all of this is done while slowly being indoctrinated into their cult-like club. You practice chants and are must sacrifice your first born to their founder (see deity) W. Clement Stone. Okay, the last part isn't true, but hopefully you can see how this is structured like a start-up religion. Now you're out in the field with your sales manager. You're ready to take on the world, with the help of your manger of course. Except your sales manger never attempts to make a sale or pushes you to make a sale. Rather, you drive around aimlessly collecting renewals and spending whatever money you made that day on your four break stops. Now, I realize this is somewhat of an isolated incident and you may very well have a sales manager who pushes the very foundation of your existence, however, this all comes back to the 'quantity over quality' theme presented in this post. You’re simply not given the support you need as a new trainee. The majority of sales managers are not interestedagers are not interestedagers are not interested in developing you as a sales agent. Sure, their incentive is that they get a small percentage of your sale, but why take the time to develop someone new, who, due to the high turnover, will probably leave at some point, when the sales manager can just focus on their sales. Not to mention that many sales managers are simply not qualified to be a good trainer. And this is where the system fall flat on its face. I'm now on my own and decide to start it off easy with some renewals. WRONG! I cannot tell you how many people said, 'another new face!?!' - Quantity over quality. You immediately realize that even through the renewal process, arguably the easiest part of the job, you have no idea what you're doing. Simply put: clients will ask you questions your training did not prepare you for. You either have the option to call the underwriters at head office (a process that takes 3-8 minutes) or you simply say you don't know. This really inspires confidence in the client that the company has their best interests at heart. Again, I consider myself to be a pretty smart guy. I mean, after all, I am able to assemble IKEA furniture in a relatively, non-rage induced fashion - yet I was ill-equipped to deal with clients' concerns. Within a month of selling NOTHING, I was offered a sales manager position from not my sales manager, not my district manager, but from someone higher up. WHAT!?! Maybe they saw something else in me, I don't know, however, what I do know is that they were adamant that I could head my own sales team - quantity over quality. So I was quickly whisked off to sales manger training, where, guess what? The main focus was on finding individuals for your own sales team and, in general, just finding personnel to join 'our growing and exciting company!' - Quantity over quality. If you made it this far through this post, I congratulate you. Thank you for sticking with me through this review. This company is a farce, unethical, and wolf disguised as a sheep. Do not work for them. I want to warn as many people as I can and I hope this review helps. TL; DR - This is a baaaaaaaahd (sheep noise) company. *I fully expect the combined PR to be in full force.6Combined Insurance Response8y
Thank you for reviewing our company. As you mention, our sales agents can earn a virtually unlimited income based on their success, and they do enjoy a flexible schedule. Our leadership took swift action to correct the concerns in the UK, and we are now in good standing with the FSA. We are a solid company with a tradition of success in the insurance industry of over 90 years, and we have earned an A+ rating by the Better Business Bureau. We were also recognized by the Ward Group on its annual Ward’s 50 Top Performing Life-Health Insurance Companies list for the past 6 years. Insurance sales is not for everyone, and we regret that you did not feel adequately prepared by our sales school.We wish you all the best in your current and future endeavors.
- 4.01 Apr 2014Sales AgentCurrent Employee, less than 1 yearSaint Charles, MD
Good company to work for but you have to have to hustle your butt off. Like all sales jobs you have to be out finding new leads and promoting yourself. Company gives you leads but they are not really good. Products are good and training is excellent. Make sure you have a good Territory Manager who will work with you and keep you focused. You get what you put in. Unlimited opportunity is available but YOU have to work hard and get it.
You have to travel to Glenview IL for 2 weeks for training. Training allowance in not that much. Not a lot of people know who Combined Insurance is so you have to talk about company.2
- 3.012 July 2016Agent/Account ExecutiveCurrent Employee, less than 1 yearHuntsville, AL
They have excellent training in their home office and really seem to care about their employees and customers.
Weak lead system hard to build a continuous lead stream. Management seems to use too much of the warm body approach to hiring rather than finding and developing good quality agents and managers.3Combined Insurance Response8y
Thank you for taking the time to review our company. We especially appreciate hearing from our current employees. As you mention, we provide excellent sales training, and we continue to offer support to our agents once they are in the field. We really do care about our employees and customers-thanks for noticing! We are always striving to improve. If you would like to provide any additional information, please email us at firstname.lastname@example.org. We wish you all the best in your career here with us!