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Combined Insurance Employee Reviews about "upper management"
Updated 30 Nov 2023
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Found 974 of over 1K reviews
48% Recommend to a Friend
74% Approve of CEO
Found 25 of over 1K reviews
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Richard Williams
49 Ratings
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Top Review Highlights by Sentiment
Excerpts from user reviews, not authored by Glassdoor
Pros
- "Competitive pay, flexible schedule and endless tools and resources for all Agents!" (in 19 reviews)
Cons
- "Territory managers have to recruit and train agents and give them all the commissions." (in 33 reviews)
- "Upper management could care less about the agent themselves, except what the agents can put in managements pockets." (in 18 reviews)
Reviews about "upper management"
Return to all Reviews- 1.013 July 2022Insurance Sales RepresentativeFormer Freelancer, less than 1 year
Pros
They hire anyone and everyone
Cons
READ THTHE REVIEWS. I wish I had before I got suckered into the his scam. It cost me time and money when I was already having financial difficulties. They hire anyone and everyone hoping to scam them. Upper management get a bonus for referrals so this is part of their multi level marketing scam. They provide free training that isnt more than listening to someone spew info at you that could take 10 hours but they make you participate in three weeks of it. Training that could be better spent actually getting agents started in the field. Once training is over they charge you for licenses etc. and it’s all out of your pocket. You have to have the equipment like a PC and tablet but they don’t pay for it. They charge you for everything. I spent money to get my license exam and then my actual license. And nothing was covered by a combined. They do not remember who they hire or what your availability is. They assume you have no life and can work the hours they want you to. They don’t provide training in the field they assume you know. But you can’t actually make a sale without a supervisor who is usually never around to help you. They make you add a bunch of apps to your tablet and half of the them don’t work. Good luck trying to ask for help they ignore you. They don’t care about you they just want that bonus and they scam people. I believe they are working with the LLP to scam people. I speak English and I’m very smart. Imagine someone who isn’t as smart. They will be scammed faster. Don’t fall for this MLM scam company. It’s not a real job. There’s no money to be made only loss due to equipment and investment in training. But like I said. After training and exams they forget about you. Hoping you will just quit or get fired. They stole 3 months away from me getting a real job because of their contract I couldn’t work anywhere else. They don’t care about anyone. Just look at the top people got promoted from within because they can’t hire new people. They need to scam and steal to move up. New hires are fish to feed the sharks. They also charged me for their omissions insurance and are devoting me for something I never signed for. They make empty promises that they will cover costs they don’t. Avoid this company at ALL COSTS. You will end up losing money just trying to get a job! Do not work for them!!
1 - 2.04 Dec 2015Sales RepresentativeFormer Employee, more than 5 yearsNew York, NY
Pros
Being able to have a flexible schedule and advanced commissions can be awesome! If you're independently motivated, this is a good fit
Cons
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.
2
Combined Insurance Response8yThank 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 feedback@combined.com . We wish you all the best in your future endeavors.
- 4.025 May 2016Insurance Sales AgentCurrent Employee, less than 1 yearChicago, IL
Pros
Exceptional Training and well compensated if you work hard. Bonuses, overrides, awards, trips etc You have support from you immediate manager (TM)
Cons
Pointless daily morning meetings. Cold Calling!! ALOT of driving!! (not reimbursed). Unrealistic goals from upper management sometimes. Poor Leads. Commission only
5Combined Insurance Response8yThank you for taking the time to review our company. We appreciate that you mentioned you received “exceptional training” and are getting ongoing support from your manager. Sales agents enjoy a virtully unlimited income potential based on their performance, and we have a great incentives program. We are always striving to improve, and we will share your comments with the appropriate leadership. If you would like to add anything else, please email us at feedback@combined.com. We wish you all the best here with us at Combined Insurance!
- 5.024 Apr 2019Policyholder Customer Service RepresentativeFormer Employee, more than 5 yearsChicago, IL
Pros
Your other co workers Special committee that always make holiday and other work related appreciate days fun Volunteer opportunities The salary
Cons
Upper management does not really consider their employees needs
3Combined Insurance Response5yThanks so much for taking the time to leave this positive review! We agree that the people here at Combined contibute to making our corporate environment a friendly, family-like atmosphere. Our Social Committee is dedicated to planning and executing celebrations, engagement opportunities, and philanthropic activities for employees throughout the year. 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!
- 1.025 Nov 2013Sales RepresentativeFormer Employee, less than 1 yearSan Diego, CA
Pros
Absolutely ZERO. This company and it's principals are fraudulent.
Cons
This company is full of LIARS. Management will tell you anything to keep you working for commission. They offer a base stipend for a month or two and can take back without notice or good cause. Upper management will lie about false promotions and ridicule lower level personnel. If you want to make any money, you need to sell between 50-60 policies a month all cold calling. The Home Office staff is a joke as well. The upper management within Worksite Solutions is ineptThe upper management within Worksite Solutions is ineptThe upper management within Worksite Solutions is inept and prone to outright lies and deception. STAY CLEAR OF THIS COMPANY!!!!!
4 - 1.06 Jan 2018Insurance AgentFormer Employee, more than 1 yearNew York, NY
Pros
There's nothing positive to say about this company.
Cons
Deceptive practices all around, from the top down; mainly lack of transparency and disclosure regarding accounting practices that would normally be shared up front with new hires, by other professionals firms. Real management here is non-existent. What is practiced has been excruciatingly concocted over decades of refinement by career robots that micromanage and think inside the box. Internally, those profiting have structured an elaborate shell game that they play with new agents - join us and prosper by replacing old clients that cancel with new clients, all while the agents scramble to cover their chargebacks. Combined pockets the rest. The burden of this entire structure always rests upon the agents, never the so-called management. Chronologically, here's an example of what to expect - Agents that are sent to sales school are subsequently thrust out into the field with inadequate product knowledge. This hurts one's ability to sell. Scripted selling is the most important part of what is taught at Combined. Upper management will treat you like an object and a sales target in order to push you to sell. Every agent is valuable only in that they are a means to their manager's profitable end. All managers employ well practiced scripted selling, hypnotic statements, slogans, and chants - mostly to elicit a Pavlovian response and to get you, the agent, to perform. Next, these inept 'managers' care little about your future success; they simply want to bonus off of your initial performance and then move on to the next agent being on-boarded. Once an agent is on their own, (your manager has abandoned you for new talent), most agents usually drown in 'fake it till you make it' and also angry existing client complaints. Client complaints are usually focused on lack of claims paid and other unprofessional Combined practices that they have been exposed to. The sheer volume of agent turnover at this firm remains unaddressed. Combined is intentionally apathetic about their agent turnover rate because they profit from it by no longer having to pay residuals promised to agents that leave the company. Clients that do remain on the books and continue to pay their monthly premiums are pocketed by the firm and rightfully so since the company is taking the risk and must pay out claims. Agents that do leave the company still have to pay for chargebacks that occur even after they have moved on to more realistic jobs. But let's face it. If the practice of agent turnover is intentional, someone at the state supervisors office should look into it. The company is looking forward to your departure and that's why intense recruiting efforts are focused upon. You're expected to fail. Finally, a subtle misguidance is practiced here, almost intentionally, at least on the East Coast. Most things are answered only if they are asked. There is no full disclosure here. Benefits are horrible, and only a few elite managers make money on the influx of new agents. If you join this company, be prepared to make money in downward spiral and chase your own tale staying out of debt to them. No one ever leaves on good terms. This place is a joke. To the few agents that do thrive, the 1%, please share your experience.
8Combined Insurance Response6yThank you for bringing these concerns up to us and for giving us the opportunity to respond. We value our agents and strive to help them stay at Combined Insurance and build a solid, long-lasting career with us. We provide them with ongoing training, incentive programs, awards and bonuses, and it is our goal to make sure that each agent has a strong manager to turn to when they need additional support. It’s true that this type of sales is not easy, and not for everyone. But, those who find that this is a good fit have the potential to earn a virtually unlimited income, help their communities by providing useful policies, and the chance to achieve merit-based promotions. We do not tolerate any of the type of behavior you are describing, and have made leadership aware of your feedback. If you have any additional information you’d like to share with us, please email us at feedback@combined.com.
- 1.05 Dec 2016Market DirectorFormer Employee, more than 1 yearDenver, CO
Pros
Very strong history of Principals from founder W. Clement Stone which should be basis for a successful organization.
Cons
W. Clement Stone would roll over in his grave were he to witness the Combined of today. Upper management is weakest leadership team I have witnessed in 30 years. Only interested in 'yes' and very intimidated by innovative thinking.
2Combined Insurance Response8yThank you for taking the time to review our company. We are proud of our founder and his 17 Success Principles, and we strive to conduct all business with these in mind. It is our goal to provide our teams with strong leadership that assists and listens. If you would like to provide more information about how we can do better, please send us an email at feedback@combined.com. We will share your suggestions with our leadership. We wish you all the best in your future endeavors.
- 2.015 Sept 2016Sales RepresentativeFormer Employee, less than 1 yearHouston, TX
Pros
*W-2 so taxes are taken care of for you *Direct insurance policies - can even off short-term disability without going through an employer *Commission rate is pretty decent *Flexible schedule
Cons
*100% Commission *Company does not support the agents *Always billing errors that the agent has to deal with in order to keep up customer service *MEETINGS MEETINGS MEETINGS - there are ALWAYS meetings when you need to be out in the field selling *Management very egotistic *Constant chargebacks *Always empty promises from upper management
10Combined Insurance Response8yThank you for taking the time to review our company. We especially appreciate that you mentioned as “Pros” the flexible schedule and the earnings potential for our Agents. Our successful agents enjoy a virtually unlimited income potential and a comprehensive benefits package. We appreciate your constructive feedback, and we will share it with the appropriate leadership. We wish you all the best in your future endeavors.
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