Combined Insurance reviews

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.

Leads are inconsistent, and it says in the job posting they are provided weekly. This is not the case bi-weekly at best and more often then not monthly. Often they can be worked in a day or two, and so that leaves cold calling on businesses, which have a much lower closing rate. Job posting says there is only one weekly meeting, however this quickly changed leaving some agents to drive over an hour one way to a 1 hour morning meeting and drive back another hour to hour and a half to work their assigned territory and another hour or so home. meaning 12-14 hour days with almost 1/3rd of it non productive time spent in meetings or on the road. If your territory manager does not get you off to a fast start your commission rate will only be 30% with some product lines being 10%. It is a lot of time and money and has the potential to pay big but only under the best conditions.