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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 "training"Return to all Reviews
- 5.027 Feb 2018District ManagerCurrent Employee, more than 10 yearsBuffalo, NY
Terrific opportunity for unlimited income with growth potential, full benefits with matching 401k . The extras such as trips and incentives are spectacular. To get the right training in an organization is important Combined supplies and gives the training unlike anywhere else! This is a great place to work at Share the opportunity !
There are times for long hours with great rewards.1Combined Insurance Response6y
Thank you for taking the time to share this positive review! We especially appreciate hearing from our current employees. Our agents have the ability to earn a virtually unlimited income based on the volume of their sales, and we offer a comprehensive benefits package as well as added incentives and awards. Thank you for sharing all these positives, and we wish you all the best in your future here with us!
- 3.010 May 2016Sales AssociateFormer Employee, less than 1 yearAtlanta, GA
Received great sales training at corporate office. Company equips you with electronic tools, sales materials and business cards to assist with helping you succeed. Their focus is on PMA - positive, mental attitude.
Field training is not as structured to accommodate the number of agents returning from sales school. Leads/assignments are not readily available and often duplicated. The writing agent is unable to maintain and manage their book of business as customers are recycled and distributed every three months. Company requires daily attendance to morning 'pep' meetings which become monotonous with no real substance to further equip you for the field. Chargebacks are taken out of your paycheck up front and really dampen your motivation to sell. It is very difficult to understand their payroll calculations and identify your chargebacks.7Combined Insurance Response8y
Thank you for taking the time to review our company. We receive a lot of great feedback regarding our training school, and we are happy to hear you listed it as a “pro.” We are sorry to hear that you aren’t happy with some other aspects of your job experience with us. We value all your detailed feedback and will make sure we pass it on to our sales leadership. We wish you all the best in your current and future endeavors!
- 1.017 Jan 2017RecruiterFormer Employee, more than 3 years
Flexible work hours since no one knows what they are doing
This is the company you hope to never have to work for in your life again. To give you a rough breakdown they started Aon. Aon sold them to Chubb because they saw no residual value in keeping them around. Aon took all the top performing executives/employees with them and left Combined with low level employees. But Aon still collects rent from Combined so that they can use there building with AON's brand. I find that quite funny. Its like a child selling its parent. The recruiting department is burn and churn. Get as many heads in seats as possible. If they could they would take homeless people off the street and put them in a chair to interview. There sales turnover is at a all time high. The company was going to close there doors in 2013 when they faced a similar issue. They are facing that similar issue once again. People come in get great training in sales school but once they hit the field they drop off. You may ask why well the answer is simple no plans in place for the hiring managers to properly train and onboard them into the company. Why would there be when all the company looks for is bottom line profit. The company is not transparent with its sales hires from the start so they end up burning them after by leaving. For anyone looking to get the correct answer it is they will put you in a hotel a couple minutes away from the sales school which is in the basement of the AON building in Glenview. You will have to share a room. Strict sales school training with more 'study time' when you return back to the hotel. They will tell you how you can be the best sales person and how there products are the best on the market. Once you return back home you will wait for your Territory Manager or Market Director to reach out to you. Key word wait that is if they even feel the need to reach out to you or if they are to busy to even take your call. In the end find yourself a reputable god honest company to work for this one is not that. In terms of the corporate structure they pay their entry level employees peanuts. I heard they recently got rid of half there recruiting department. I would imagine it had a lot to do with FLSA that anyone below $47,476 would become a non exempt employee. So instead of conforming to this rule they instead just told everyone sorry have a nice day enjoy the door on your way out. But what can you expect. The recruiting managers like to feed everyone that there is room for advancement but the only advancement they put into place is for themselves and there favorites. Essentially if you are a brown nose you will thrive. But what they fail to realize is that anyone who has left has put themselves into a better situation with more pay and a structure for success. The company is also big for hiring externally instead of promoting internally. So if you work here good luck getting promoted unless you like making peanuts and working 10 years to make more peanuts. They hire externally from big companies and bring in quite possibility the worst talent you can find on the market. Essentially the people they bring in are wash outs at there current big company and they hire them cause they are on the brink of getting fired at there current company. This is the companies plan of action to run a successful department and they wonder why turnover is at a all time high. I forecast the company shutting its doors within the next 5 years. No sales agents equal no company and with its high turnover and perception in the market place it is right on track.10Combined Insurance Response7y
Thanks for taking the time to share this review, although we don’t agree with your assessment of where the company is headed. Combined Insurance is in a great position and we look forward to an exciting future. We were recently recognized as the Number One 2015 Voluntary Sales Growth Leader by Eastbridge Consulting Group, a marketing advisory firm serving insurance and financial services organization. 2016 was a year of unprecedented sales growth under the excellent leadership of our president, Brad Bennett. It is true that this type of sales is not for everyone which can lead to a high turnover rate. To succeed our agents must have a positive mental attitude, a strong work ethic, and resiliency to focus on their goals despite setbacks. While not every agent who starts with us succeeds, those who do have a virtually unlimited income potential and are awarded with extra bonuses, incentives, and awards. We do our best to choose candidates who we believe have the right qualities, but ultimately it is up to them to succeed. We promote based on merit, not on tenure. We did not recently get rid of half or our recruiting department, contrary to what you may have heard. Thank you for giving us this opportunity to clear up some of these misconceptions. We wish you all the best in your future endeavors.
- 2.027 Sept 2018SalesCurrent Employee, less than 1 yearEast Hartford, CT
When one is in the office, it is a very positve and uplifting environment. If you already have experience selling door to door or a strong sales background this company would be a great fit.
You will be hired as fast as possible with as many other people they can find. You will be lured in by the training. However, they have little time to actually show you how to successfully build a business because lower management is constantly being pushed by upper management to keep hiring. They leave you to fend for your self in a new career where you were promised training and support. After multiple request for help with the cold calling fell on deaf ears I was finally sat down and told that I was not a priority because I had my husband to pay my bills. I never felt more discriminated and belittled in my life. Then you try and leave and are told to hold on to your IPad so there persistency doesn't look horrible. Good luck7Combined Insurance Response6y
Thank you for taking the time to leave this review. We do not condone the type of behavior you are describing and would appreciate it if you would send more information to email@example.com. We wish you all the best in your future here with us!
- 5.017 Aug 2017Sales RepresentativeFormer Employee, more than 1 year
They provide great training and tools to help you be successful. The training program is laid out weekly and if followed the chance for success is excellent. The company provides support for those who want to work and be successful.
It is a commission job. If you don't put in the effort you will not succeed.Combined Insurance Response7y
Thanks so much for sharing this positive review! We do our best to prepare our agents for success through thorough, in-house training followed by leadership support in the field. We wish you all the best in your future endeavors!
- 5.020 Dec 2016Sales AgentFormer Employee, more than 1 yearCharlotte, NC
Great training and continued training program. The continued training with vpt and adp programs are very good resources for agents who want to learn more
No cons. Only people that are prone to be failures could fail at this opportunity. Those that fail will always have negative things to say because it could never be their "own" fault.1Combined Insurance Response7y
Thank you for sharing this positive review! As you mentioned, we set our agents up for success through excellent in-house training followed by continued training in the field. We strive to always support our agents to give them the best chance at success. We will share your feedback with our management team. We wish you all the best in your future endeavors!
- 1.018 Jan 2012District ManagerFormer EmployeeBay City, MI
Sales school was pretty beneficial and a lot of the training I received for management was very good. They have good incentives
The products and high pressure sales tactics and management constantly pushing the numbers wore me out. I have a very strong work ethic and knew a ton of people is how I was successful but pay made it impossible for 95% of agents to even survive. I made as much as a District manager as I was told I'd make as an agent. I stayed as long as I did because I couldn't find a job somewhere else. Their customer satisfaction is low in my opinion. I dealt with customer complaints many times per day.6
- 5.08 Aug 2018Insurance Sales AgentCurrent Employee, less than 1 yearNew York, NY
So far so good. I have just completed my 3rd day of training. So I'm writing this review from my hotel. I am very excited about this new opportunity. I have read some of the reviews on here some negative some positive but I am never going to allow my self to be discouraged by someone else's failure. I will say that this training is intense but I know its going to pay off and I look forward to doing another review in 3 months to update you on my success. The breakfast at the hotel is very good and the company pays for everything. They fly you in and pay for your lodging. They give you a prepaid credit card that you can use for food and things that you need. My trainer is very knowledgeable and has a great sense of humor. My room is very clean . They shuttle you to and from training and the cafeteria food is pretty darn good. As far as income potential they really give you a positive out look.
They throw a lot at you in a short time. You have to stay on your toes and memorize a lot of information but you know the old saying no pain no gain.7Combined Insurance Response6y
Thank you for taking the time to leave this positive review! We love hearing your perspective, as someone currently in training. Our talented trainers work hard to prepare our new agents for success in the field during the week-long training session in Chicago through formal classes, role playing and team building. We continue to offer support and continued development to our agents once they’re in the field. It sounds like you have a positive attitude, which should serve you well in this position. We wish you all the best in your future here, and we look forward to hearing about your success!
- 3.024 Mar 2016Insurance Sales AgentCurrent Employee, more than 1 yearTampa, FL
Once you are in the field you are in your own after all the hype and excellent training. Company training is a great once you learn it and it take a lot of time, it takes a bit to follow but once you get it you are it.
if you are not in the good side of your territorial manager he will let you slowly die, also to get to a territorial management all it takes its to be " good" and willing during those field trips and you will get up the ladder very quickly, leads are good but the company doesn't paid claims as promise.6Combined Insurance Response8y
Thank you for taking the time to review our company. We always appreciate hearing from our current employees. As you point out, our agents benefit from our excellent training school, which is aimed at preparing our agents for success. Once in the field, we supply our agents with ongoing support and training, and promotions to sales leadership are merit based. We have an A+ rating from the Better Business Bureau and an A+ financial strength rating by A.M. Best. We have also been identified as a leading provider of supplemental insurance by the Ward Group, who has put us on their annual Ward’s 50 Top Life-Health Insurance Companies list for six years in a row. We take your feedback very seriously and will share it with the management team. If you have further comments, please email us at firstname.lastname@example.org. We wish you all the best in your career here with us!
- 1.013 Mar 2017Anonymous EmployeeFormer Employee
Independent job that requires you to work on your own.
Terrible training that was to the extreme and was not helpful in the real world.1Combined Insurance Response7y
Thank you for taking the time to review our company. It’s true that we offer a comprehensive training program designed to help our agents be successful on their own in the field. It’s also true that sales is not for everyone, and that while we try to hire people we think will succeed, it is ultimately up to each individual to make the most of the opportunity. We can see it wasn’t a good fit for you, and we wish you all the best in your future endeavors.