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Combined Insurance Reviews

Updated 17 March 2019
674 reviews

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3.4
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Recommend to a friend
Approve of CEO
Combined Insurance President Kevin Goulding
Kevin Goulding
76 Ratings

Employee Reviews

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Pros
Cons
  • "You literally are a door to door sales person" (in 34 reviews)

  • "Therefore a successful insurance professional has to be willing to work long hours in order to be there for their policyholders in time of need" (in 37 reviews)

More Pros and Cons

  1. "It’s great"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Customer Service Representative in Chicago, IL (US)
    Current Employee - Customer Service Representative in Chicago, IL (US)
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Combined Insurance full-time (More than a year)

    Pros

    Great benefits and room for growth within the company

    Cons

    The angry rude customers and some co workers always try to find flaws in your work

    Combined Insurance Response

    12 Mar 2019 – Social Media Manager

    Thanks so much for taking time to leave this positive review! We offer our full-time employees a comprehensive benefits package including health insurance, dental and vision, tuition reimbursement, a... More


  2. "Market Manager at Combined Insurance Company of America"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Marketing Manager in Richmond, VA (US)
    Former Employee - Marketing Manager in Richmond, VA (US)
    Doesn't Recommend
    Neutral Outlook
    Disapproves of CEO

    I worked at Combined Insurance full-time (More than 5 years)

    Pros

    When you do well you are definitely recognized and the trips are great.

    Cons

    Your a hero one day and loser the day. Upper Management along the East Coast is ruthless. You are definitely micro manage. They expect you to go door to door six days a week.

    Advice to Management

    Stop micromanaging, Stop all the conference calls. Support the staff.

  3. "Give Combined a year for a career!"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Benefits Specialist/Advisor in Los Angeles, CA (US)
    Current Employee - Benefits Specialist/Advisor in Los Angeles, CA (US)
    Recommends
    Neutral Outlook
    Approves of CEO

    I have been working at Combined Insurance full-time (More than 10 years)

    Pros

    Positive Mental Attitude. Lifetime experience.

    Cons

    Limited range residuals. Too many apps rejected and not approved.

    Advice to Management

    Reduction on promotion within.

    Combined Insurance Response

    1 Mar 2019 – Social Media Manager

    Thank you for taking the time to leave this positive review! Our founder, W. Clement Stone, believed having a positive mental attitudie, or PMA, was key for success, and we have found that it is a... More


  4. "Great employees"

    StarStarStarStarStar
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    Pros

    Terrific coworkers. Pay not bad. Overtime.

    Cons

    No bonuses for non salary employees. Mostly upper and management. Lots of long hours and endless meetings.

    Advice to Management

    Offer better incentives.

    Combined Insurance Response

    1 Mar 2019 – Social Media Manager

    Thank you for taking the time to leave this positive review! We are thrilled to hear that you have terrific coworkers, as we strive to maintain a family-like environment. We wish you all the best in... More


  5. Helpful (1)

    "Best company in personal insurance with the greatest support!"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Combined Insurance full-time (More than 3 years)

    Pros

    It has changed my life for the better! Gives financial freedom if you stick with it and work hard.

    Cons

    Some long days and travel.

    Advice to Management

    My advice is to have more classroom training and more online training while waiting for licensing. Also, more mentoring and management training for those in the frontline each day.

    Combined Insurance Response

    1 Mar 2019 – Social Media Manager

    Thank you for taking the time to leave this positive review. It's true that this type of sales is not for everyone, but for those who work hard and stick with it, it can be rewarding. We are thrilled... More


  6. "UNSUPPORTIVE MANAGEMENT"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Analyst in Chicago, IL (US)
    Current Employee - Analyst in Chicago, IL (US)
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    I have been working at Combined Insurance (More than a year)

    Pros

    Hours, downtown location and SOME nice people.

    Cons

    Unsupportive Management
    Compensation lower than area norm
    CYA culture
    Dingy space, EVERYTHING is beige
    Backstabbing enviornment
    Products not so good
    Life/home balance is almost non existent
    Insecure tenured staff that only give the minimal
    Hired for one position, now told something different
    Underlying racist enviornment
    Good ol Boys Management
    I could go on....but it is very difficult coming in daily. Ive started the process of looking elsewhere with my Bachelors..

    Advice to Management

    Management needs to be held accountable and RETRAINED. or LET GO.

    Combined Insurance Response

    12 Mar 2019 – Social Media Manager

    Thank you for taking the time to share this feedback. We are sorry to see your list of “cons”, and we don’t condone any of the behavior you are describing. If you would, please send more information... More


  7. "It is good if you can put in effort."

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Agent in Houston, TX (US)
    Current Employee - Insurance Agent in Houston, TX (US)
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at Combined Insurance full-time (Less than a year)

    Pros

    Recent hire. Seems good so far.

    Cons

    None yet. Recent hire as of today.

    Advice to Management

    None

    Combined Insurance Response

    1 Mar 2019 – Social Media Manager

    Thanks for taking the time to leave this positive review! Please let us know how it goes as you launch your career with us, and reach out to your manager if you need more support. We wish you all the... More

  8. Helpful (2)

    "Horrible Service"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Agent
    Former Employee - Agent
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    I worked at Combined Insurance full-time (More than a year)

    Pros

    Good products that can work

    Cons

    Service is unbelievably bad. Took me 45 minutes on the phone to cancel a policy. Then it was 4 after they paid and "Company policy" will not give them refund

    Advice to Management

    Change your policies.

    Combined Insurance Response

    1 Mar 2019 – Social Media Manager

    Thank you for taking the time to leave this review. We are aware that wait times are longer than usual, and we apologize that you had that experience. If you would like for us to review your policy... More


  9. Helpful (3)

    "Beware, potential won't pay your bills."

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Coordinator in Pittsburgh, PA (US)
    Former Employee - Sales Coordinator in Pittsburgh, PA (US)
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    I worked at Combined Insurance full-time (More than a year)

    Pros

    Flexible schedule, income "potential", incentive trips

    Cons

    Commission only, hours worked, 7 day a week job, chargeback percent, nothing reimbursed for travel, nepotism

    Advice to Management

    Pay your first level managers a salary! Teach MD's how to recruit quality not just quantity. The heard them in and then heard them out recruiting mentality needs to be addressed.

    Combined Insurance Response

    1 Mar 2019 – Social Media Manager

    Thank you for taking the time to leave this review. As you mentioned, our sales agents have the ability to earn unlimited income based on their sales, but it's true this type of sales is not for... More


  10. Helpful (6)

    "Early Career Professionals..Beware"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Human Resources in Chicago, IL (US)
    Former Employee - Human Resources in Chicago, IL (US)
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at Combined Insurance (More than 5 years)

    Pros

    My Team...hands down. They were my only support system and made coming to work every day bearable .
    Vacation Policy.
    Work from Home Options.
    Gym on-site (Discounted Rate).
    Easy Location to commute to.

    Cons

    Director Level Manager does not invest time for professional development and lateral or vertical movement. Delegates tasks to others on the team without taking any initiative to complete them his/herself. For an Early Careers Professional, the department is very transactional and always works to the "next Monday" which provides extensive long hours and weekend work in order to achieve business needs.

    The company as a whole is a big boys club, and lacks diversity of thought. Extremely traditional mindsets which include dress code, pay, and availability after hours. (work life balance is not a priority, even on vacation you need to be able to access email and phone.)

    During the duration of my employment I had three direct managers, which eludes to the high turnover in the business as a whole. As an Early Careers Professional, this company lacks initiative and growth in order to attract this demographic and retain them in both corporate and sales environments. Especially from a competitive compensation, this company pays on the low end of the range.

    Advice to Management

    Listen to your employees when they voice concerns about direct and upper management. When over 5+ employees voice these concerns, it should be warranted to investigate the issues. Especially when almost the entire team turns over within 9 months.
    Provide transparent development.
    Do not string a long employees, be up front and transparent with them.
    Better Work Life Balance.
    Better Compensation.

    Combined Insurance Response

    1 Mar 2019 – Social Media Manager

    Thank you for taking the time to leave this review. We appreciate your feedback, and we take it seriously. We are happy to hear that you felt supported by your team, and we thank you for sharing... More