Combined Insurance Employee Reviews about "money"
48% would recommend to a friend
(89 total reviews)
Richard Williams
73% approve of CEO
What are your colleagues talking about?
Top Review Highlights by Sentiment
Excerpts from user reviews, not authored by Glassdoor
- "Territory managers have poor coaching skills and therefore micromanage their agents." (in 32 reviews)
- "Upper management could care less about the agent themselves, except what the agents can put in managements pockets." (in 18 reviews)
Found 89 of over 1K reviews
Updated 30 Nov 2023
- Popular
- Most Recent
- Highest Rating
- Lowest Rating
Reviews about "money"
Return to all Reviews- 1.031 Aug 2018Account ExecutiveFormer Employee, more than 1 yearFarmingdale, NY
Pros
Flexible Schedule. But that’s a double edged sword.
Cons
Now I am not like the other ppl on here. I was successful at Combined. I went on all the incentive trips. Submit a minimum of $22,500 in sales for a weekend getaway to wherever the company is taking you for that specific promotion. They treated us like Kings and Queens. They spared no expense with hotels and food and they even give us $300 to spend for the weekend. But with all of that I still never made enough money to pay my bills. The commission scale is HORRIBLE. If you compare it to regular life insurance companies then you’d see they are robbing you. Granted you get paid based on how much you sell. But even when if have 11 or 13K weeks I didn’t see the paycheck I think I deserved. Then when I left they sent me a bill for almost a thousand dollars. At the time of hiring they said you get back $350 or something like that when you give back the IPad. To this day I’ve never gotten a check but they send me a bill. They didn’t even less it from the bill. What a scam!!!! In the beginning they tell you you’ll be going to Chicago for a week, all expenses paid... please, it’s a low budget hotel with a room mate. Some random person from anywhere in America you have to spend the night with. I could’ve called them back and cussed them out. They never told me any of this. My managers were excellent. No complaints there. But the whole business model is more like a scam than a legit business.
11
Combined Insurance Response6yThank you for taking the time to leave this review. It's true this type of sales is not easy, and we regret it wasn't a good fit for you. We wish you all the best in your future endeavors.
- 4.03 Dec 2021Insurance AgentFormer Employee, more than 1 yearBeckley, WV
Pros
Make unlimited amount of money. Own schedule
Cons
You have to be very self disciplined to make a full enough schedule to be able to make good money
Combined Insurance Response2yThanks so much for taking the time to write this positive review. Our agents have the ability to earn a virtually unlimited income based on the volume of their sales, and the flexibility to create their own schedules. Thanks again, and we wish you all the best in your future endeavors.
- 1.025 Jan 2019AgentFormer Employee, more than 8 yearsColumbus, OH
Pros
None,none,none,none,none. AFLAC is much better.
Cons
Many members of upper management lied and embezzled money from the company by falsifying weekly sales figures for many years.
3Combined Insurance Response5yThank you for taking the time to share this feedback. We don't condone the type of behavior you are describing, and we would appreciate it if you would send more information to feedback@combined.com so we can look into this. We wish you all the best!
- 1.020 Oct 2013Territory ManagerCurrent Employee, less than 1 yearLos Angeles, CA
Pros
Opportunity to make some money if you work 12 hours a day and weekends
Cons
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 - 4.021 June 2018Agent/Benefits AdvisorCurrent Employee, less than 1 yearCannonsburg, KY
Pros
Great company to work for. Good leadership and as an employee you have access to contacts of all levels of management. I’ve noticed people with bad reviews of the company because they haven’t succeeded or had a bad experience with a manager. This company gives you all the tools you need to succeed. From paid Training, to plenty of leads for customers as well as concern and motivation from management. If you as an agent do not succeed, your manager is penalized. So any one that says a manager did not have an interest in their success, is either lazy, doesn’t have to will to do what is needed in commission based sales, is lying about their experience or had a manager that didn’t care about their personal pay or success (which I have yet to encounter with this company) I’m not saying there aren’t managers that don’t care, because there may very well be some. But I haven’t seen or met any myself. Regardless of that. An agent is encouraged to reach out to different levels of management in the company for help, advice, and concerns with their job. Overall a great company and group of people to work with.
Cons
I do rack up the miles on my vehicle and spend a lot of money in fuel. And in some weeks when I have had a bad week it has been rough trying to fork out the money to make sure I’m in the field. And in some cases, policyholders initial payment may not go through or maybe the wrong info is put in and the company is unable to collect the first premium. I’m those cases the agent is charged back the amount of commission that was paid in their next paycheck before they have a chance to correct the issue and collect the payment.
3Combined Insurance Response6yThanks so much for taking the time to leave this positive review! We especially appreciate hearing from our current employees, and we appreciate that you have shared how supportive management has been in your experience. Our goal is to support our agents with great managers who truly care about their team’s success in the field, and who will go the extra mile to help our agents when needed. We will share your feedback with leadership, and we wish you all the best in your future here with us.
- 1.026 Sept 2016Anonymous FreelancerFormer Freelancer, less than 1 yearToronto, ON
Pros
Good opportunityGood opportunityGood opportunity to make quick money if you're a strong sales person and ready to work 24/7.
Cons
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 Response8yThank 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 feedback@combined.com. We wish you all the best in your future endeavors.
- 3.011 Aug 2012Sales RepresentativeFormer Employee
Pros
Commission rates are decent. Benefits are decent, if you sell enough to qualify for them. Their accident-only insurance product (Accident Protector) is very good for how much it costs. The company is in the process of changing some of their more frustrating policies and starting to come into the modern era on their business processes and practices.
Cons
Their life core insurance product (Family Life Protector) is not particularly good. Lots of cold-calling businesses and sometimes residential areas. If you aren't particularly good at selling their products you will make very little money since it's a commission-only job at the sales agent level. You will be expected to go out and see current customers on a regular basis, sometimes as often as every three months. Many of these customers have seen an agent pretty recently and will not be thrilled to see you. You will probably be expected to work six days a week and long hours (>10 hours a day) depending on who your Territory Manager and Market Director are. You may have to spend an inordinately large amount of money on gas since the geographic area your sales office services will probably be very large. Expect to drive a few hundred miles every week
- 3.016 Aug 2022Account ExecutiveFormer Employee, less than 1 yearChicago, IL
Pros
can make a lot of money if you are okay with cold calling and a lot of door to door sales
Cons
cold calling and door to door sales can be tough
1 - 1.029 Mar 2019Insurance AgentCurrent Contractor, more than 1 yearCalgary, AB
Pros
you are completely independent (and good luck is what you need to make money because it's 100% commission.
Cons
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
