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      Combined Insurance

      Engaged Employer

      Combined Insurance reviews

      3.4

      59% would recommend to a friend

      (1,020 total reviews)
      avatar

      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 1,020 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

      Reviews by job title

      1K reviews
      5.0
      Dec 12, 2016

      Why Combined? From an Account Executive, 34 yrs.

      Account executive
      Recommend
      CEO approval
      Business Outlook

      Pros

      We have a tremendous philosophy, PMA. A tremendous selling system. Some of the finest sales training, class room and field. Products are the best ever, and really fill needs. Reward for acievement, awards, bonuses even at agent level, and trips. I've earned 5 yearly trips in last 5 years, Portugal, Hawaii, etc. A track to run on, and many established accounts, where you can feel good about servicing and upwelling. Great leadership, especially the CEO.

      Cons

      Must be self motivated, or learn it. Some travel, but the rewards of sales overcome that! You get out ...what you put in. Must be teachable, and searching for answers continually. Takes energy, and discipline!

      avatar
      Combined Insurance Response
      9y
      Thank you for sharing this positive, insightful review! We especially appreciate hearing from our current employees. Our agents benefit from a week of in-house intensive sales training and ongoing support. Throughout all our training, we strive to instill the philosophies and methods of selling in our agents that we believe will give them the best chance of success. As you mentioned, we believe having a positive mental attitude (PMA) is the foundation for success. We reward our successful agents with incentive trips, bonuses, awards, and recognition, and they have the ability to earn a virtually unlimited income based on the volume of their sales. Like you, many of our agents share with us that they feel our products are making a real difference in their clients’ lives. And, we agree-we benefit from great leadership! We wish you all the best in your career here with us.
      3.0
      Dec 3, 2016

      Executive

      Sales executive
      Recommend
      CEO approval
      Business Outlook

      Pros

      Great training, great people

      Cons

      long hours, some high pressure managers, some managers deceiving

      avatar
      Combined Insurance Response
      9y
      Thank you for taking the time to review our company. We routinely receive positive feedback about our training department. We are dedicated to preparing our agents for success during in-house training and in the field. We are pleased to see that you listed as one of your pros that we have “great people.” We aim to hire the best employees who support the success of everyone in the company. If you would like to add more detail, please email us at feedback@combined.com. We wish you all the best in your future endeavors.
      4.0
      Dec 1, 2016

      Great place for a sales career!

      Senior account executive
      Recommend
      CEO approval
      Business Outlook

      Pros

      Combined offers Agents a W-2 employment opportunity, rather than a 1099 Independent Contractor position. This means no self employment taxes paid by the agent! Also, we get offered a complete benefits package from our parent company, Chubb LTD! This includes a full benefits package like medical, dental, vision, matching 401K, life, AD&D, LTD, at least 4 award incentive trips per year, and an employees stock purchase plan at a 15% discount. A descent commission schedule with a nice monthly bonus based upon personal production. Lastly, personal freedom to work my own schedule without any micro management. And my income is not limited, but based upon what I am actually worth, based upon my personal production. All the awards are a very nice reward and incentive as well!

      Cons

      I would like to see the lifetime residuals made very simple based simply upon years of service of 5 years and 10 years with 50% and 100% vested respectively. Also, if an agent has 80% persistency, they should receive their full monthly bonus and not get docked 25% because they are not at 82%. In other words, lower the bar 2%. Lastly, the Annual Award winner needs to have 50% new face, no matter how much is produced. This means someone who sells 500K needs 250K in new face sales to win the award. If that person only had 200K in new face, they would lose the annual award to someone who only sold 300K with $150K in new face. That is unfair, so set the new face at a minimum, without the total APV requiring 50% new face.

      avatar
      Combined Insurance Response
      9y
      Thank you for sharing this great positive review! We always appreciate hearing from our current employees. As you mention, we are pleased to offer our agents a comprehensive benefits package along with a virtually unlimited income potential. We also offer incentives like awards, bonuses, and trips. Our agents are responsible for setting up their schedules to best accommodate the needs of their customers. Thank you for offering these suggestions. We will share them with our sales leadership. We wish you all the best in your career here with us!
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