Is Combined Insurance a good company to work for?

Combined Insurance has an overall rating of 3.4 out of 5, based on over 1,131 reviews left anonymously by employees. This rating has increased by 1% over the last 12 months. 59% of employees would recommend working at Combined Insurance to a friend and 62% have a positive outlook for the business. The best reviews about Combined Insurance have been left by employees working as Sales Coordinator , District Manager and Sales Manager .

Does Combined Insurance pay their employees well?

According to anonymously submitted Glassdoor reviews, Combined Insurance employees rate their compensation and benefits as 3.5 out of 5. Find out more about salaries and benefits at Combined Insurance. This rating has improved by 2% over the last 12 months.

How satisfied are employees working at Combined Insurance?

59% of Combined Insurance employees would recommend working there to a friend based on Glassdoor reviews . Employees also rated Combined Insurance 3.7 out of 5 for work life balance, 3.3 for culture and values and 3.4 for career opportunities.

What are the top reviewed jobs at Combined Insurance?

Sales Representative (85) , Sales Agent (81) , Insurance Agent (78) , Account Executive (65) , Insurance Sales Agent (59) , Agent (28) , Territory Manager (28) , District Manager (23) , Sales Manager (19) , Sales Associate (18) , Sales (14) , Manager (12) , Sales Coordinator (12) , Independent Agent (10) , Market Director (10)

What are the pros of working at Combined Insurance according to real employee reviews?

"Once you are in the field you are in your own after all the hype and excellent training." ((in 125 reviews)); "People were great and very conscious" ((in 47 reviews)); "Benefits are great but not immediate" ((in 42 reviews)); "They sell supplemental insurance to individuals that is economical and beneficial" ((in 24 reviews)); "The pay is great." ((in 22 reviews))

What are the cons of working at Combined Insurance according to real employee reviews?

"Commission Only and training is UNPAID." ((in 50 reviews)); "The management is poor and not professional." ((in 48 reviews)); "Territory managers have to recruit and train agents and give them all the commissions." ((in 36 reviews)); "Long hours (5 to 6 10 to 12 hour days) an excessive amount of meetings." ((in 29 reviews)); "Upper management could care less about the agent themselves, except what the agents can put in managements pockets." ((in 19 reviews))

What are employees saying about Combined Insurance layoffs in 2026?

Explore Glassdoor’s employee reviews to understand what current and former employees are saying about Combined Insurance layoffs and their outlook for job security at Combined Insurance in 2026.

What Combined Insurance locations have received the highest employee ratings?

Charlotte , Buffalo , Rochester , Albany , Farmingdale , Dallas , Nashville

Combined Insurance reviews

3.4

59% would recommend to a friend

(1,019 total reviews)

Richard Williams

70% approve of CEO

62% positive business outlook

Ratings by category

3.8

Diversity & inclusion

3.7

Work/Life balance

3.5

Compensation and benefits

3.4

Career opportunities

3.3

Culture & values

3.0

Senior management

Combined Insurance has an employee rating of 3.4 out of 5 stars, based on 1,019 company reviews on Glassdoor which indicates that most employees have a good working experience there. The Combined Insurance employee rating is in line with the average (within 1 standard deviation) for employers within the Insurance industry (3.6 stars).

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

1K reviews

5.0

Aug 8, 2018

Newbie: I'm in training now in Chicago.

Insurance sales agent

Recommend

CEO approval

Business Outlook

Pros

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.

Cons

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.

Combined Insurance Response

7y

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!

1.0

Jun 20, 2018

Broken Promises and ethical managers

Sales representative

Recommend

CEO approval

Business Outlook

Pros

W2 postion with full benefits

Cons

Commissioned and managers don't train you. I had a female manager in Newburgh who was always late and very unprofessional. All the policies that we wrote cancelled and I was charged back all the commissions. Combined lied to me about the pay. I worked 12 hour days and mad no money.

Combined Insurance Response

7y

Thank you for taking the time to leave this review. Our agents have the ability to earn a virtually unlimited income based on the volume of their sales, but it's true this type of sales is not for everyone. We regret it was not a good fit for you. We don't tolerate the type of behavior you are reporting. If you would, please email us at feedback@combined.com with more detailed information. We wish you all the best in your future endeavors.

2.0

Feb 8, 2018

OK job-the vast majority of people fail and no one cares.

Account executive

Recommend

CEO approval

Business Outlook

Pros

Flexible hours, decent pay structure. You are paid a much reduced commission rate by selling to existing customers, like you're penalized for servicing your customers. Trips and incentives are good, but the next trip is going to Ireland on St. Patrick's Day-even the Irish avoid it!

Cons

Awful management. The Sales Managers are on 100% commission and get a tiny override on their team so there isn't much incentive for them to help you out. You are expected to pay for all travel, even mandatory meetings that are located hours away and take you out of the field for 1-2 days. You get publicly shamed if you don't write business on a Monday...even if you are the top agent and work all weekend. PMA is in theory only. People work at Combined for 30 days or 30 years. Nothing innovative, no CRM, marketing, social media allowed. You can't even write an email to a potential client. You are absolutely on your own. The underwriting and marketing guidelines are ridiculous...you waste your time thinking you are doing the right thing for a client based on the information you are given but policies aren't issued. THEN it affects your bonus structure! There are so many better companies to work for-modern approach with better products. Don't drink the Kool-Aid. Go elsewhere.

Viewing 49 - 51 of 1,019 Reviews

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