Combined Insurance

  www.combinedinsurance.com
  www.combinedinsurance.com
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1 person found this helpful  

Very good company to work for and ample opportunity to advance.

  • Comp & Benefits
  • Work/Life Balance
  • Senior Management
  • Career Opportunities
Former Employee - Account Executive  in  Pittsburgh, PA (US)
Former Employee - Account Executive in Pittsburgh, PA (US)

I worked at Combined Insurance

Pros

Good lead sources.
Good underwriting and claim management.
Products are wanted in the workforce and are priced fairly for a simplified issue product.

Cons

Combined is an old established company and they are slow to make changes, but they are good at what they do. They need to upgrade their product portfolio to keep pace with the industry.

Recommends
Approves of CEO

150 Other Employee Reviews for Combined Insurance (View Most Recent)

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  1. 2 people found this helpful  

    It is a good place to start, especially for someone without a college degree.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Current Employee - Sales Agent
    Current Employee - Sales Agent

    I have been working at Combined Insurance

    Pros

    -Commissions can be very financially satisfying.
    -It is relatively independent work on a daily basis.
    -Great opportunity to meet people and work outside an office environment.
    -Bonus structure can make for a nice bump in pay at the end of a month.
    -Success and performance are rewarded.
    -Company provides all materials needed to sell and service clients
    -Job training was exceptional and my bosses provide every opportunity for me to succeed.

    Cons

    -Straight commission sales, so you better sell.
    -Constant micromanagement on a weekly basis.
    -Conference calls and meetings are much to common, and time spent attending these meetings is not compensated and provides no opportunity to make commissions.
    -Being door-to-door sales provides for uncomfortable situations on occasion. A large portion of the customer base is of a lower economic class, so expect to go into less-than-clean homes.
    -No reimbursement for mileage or travel expenses.
    -Long hours aren't required, as long as you're hitting your goals, but are often needed.
    -Creating an environment of positivity seems to have developed into a culture of secrecy. Employees would just disappear and not come back without any reason being given to the rest of us.

    Advice to ManagementAdvice

    Understand that people are working straight commission jobs for various reasons. Without a salary, management has no real hold over time commitments and needs to understand this. The training was great however and management needs to continue with its in-field training schedule.

    Doesn't Recommend
    No opinion of CEO
  2. 2 people found this helpful  

    100% Commission Based Salary

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Current Employee - Sales Agent
    Current Employee - Sales Agent

    I have been working at Combined Insurance

    Pros

    All materials provided.
    Good training.
    Flexible Schedule.
    Bonus System.

    Cons

    Unpaid training - two weeks long - if in NY/ NJ or New England, you will go to the location in Schenectady, NY and stay there for a full two weeks. They provide place to stay and pay mileage if you drive, airfare if you fly. No food expenses, you are on your own for all your food, which can add up after two weeks.
    Commission based salary.
    Door-to-door sales.
    Hard sale tactics
    No benefits for 6 months and that is only if you hit a sales number.
    Must pay out of pocket ALL business related expenses - phone, fuel, printing, etc.
    Claims issues from previous and current customers.
    Leads provided are for current and former customers who complain about being visited too often and pushed way too hard by lots of different sales reps for Combined.
    Unknown in public sector - no advertising whatsoever. Uses word of mouth and door-to-door sales to advertise.
    High cancellation rate of policies.

    HUGE turnover rate - told by my marketing director that sales agent turnover is 150% and territory manager is 100% - each per year. Scary stat.

    Advice to ManagementAdvice

    Pay a base salary for training period and meal expenses while people are in your training classes. Most people leave a steady job to come to Combined. This will keep people on their feet until they can hit the field - takes some of the pressure off when leaving school.

    Doesn't Recommend
    Disapproves of CEO
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