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?

"As an agent you make your own pay and you have great training" ((in 132 reviews)); "People were great and very conscious" ((in 47 reviews)); "Benefits are good." ((in 43 reviews)); "Hard to get started, but once you "crack the code" you can make some good money." ((in 22 reviews)); "The pay is great." ((in 21 reviews))

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

"Commission Only and training is UNPAID." ((in 53 reviews)); "The management is poor and not professional." ((in 48 reviews)); "Territory managers have poor coaching skills and therefore micromanage their agents." ((in 34 reviews)); "Long hours (5 to 6 10 to 12 hour days) an excessive amount of meetings." ((in 30 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

1.0

Jun 21, 2018

Don't waste your time

Sales representative

Recommend

CEO approval

Business Outlook

Pros

Good training, if you decide to make insurance a career

Cons

Lousy pay, lousy business model, extremely high turnover, job is worth taking only for the licensing. Once you've passed state exam, go work for a more stable and profitable company. You'll never make what they claim you will, you'll probably never make any decent income due to their chargeback policy and full commission (no hourly or salary) methodof payroll, and there are no benefits.

Combined Insurance Response

7y

Thanks for taking the time to leave this review. This type of sales is not easy, and it's true it's not for everyone. We regret it was not a good fit for you and we wish you all the best in your future endeavors.

1.0

Apr 16, 2018

If I Could Rate a 0 I Would

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

IF you ever sell anything, the bonuses are very nice.

Cons

Worst company I have ever worked for!! From the moment you get to sales school and stay in a run-down gross hotel, stuck in a room with a random roommate (mine who did not even speak the same language as me, so we had NO way of communicating). Sales school is a nightmare and you will be in class with many people who will not even take the position when they get back to their home state. First couple of weeks are good because the managers must have their new agents sell so much or they are penalized. As soon as you are on your own, they don't give two cents about you. The products are NOT good, and many clients are never paid. I've seen many clients who are on Medicaid and should not be spending 100's of dollars on products that will never pay them - but these shady agents never disclose that. Most importantly, it is never told to you that in your contract it states even after 60 days of resigning, are you responsible if a client falls off the books. Which first of all, ISNT FAIR. I no longer work for Combined, so how can I be sure that these clients are paying premiums or keeping policies in force?!!?!?! I now owe over $1,000 in back charges, and I'm sure that will just add up to even more before the 60 days is over. RUN AS FAR AS YOU CAN FROM THIS COMPANY. Combined Insurance in Charlotte NC is a JOKE!!!! Management only cares about one thing, and it isnt their agents.

Combined Insurance Response

7y

Thank you for taking the time to share this review. It’s true, this type of sales is not for everyone, and we regret it wasn’t a good fit for you. To ensure agents are following Medicaid guidelines specific to each state, they should contact the underwriting department if there are uncertainties. If you feel that is not happening, please send us more information at feedback@combined.com. We wish you all the best in your future endeavors.

1.0

Aug 21, 2018

Avoid!

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Flexible Schedule You Control Your Income

Cons

Heavy Travel Long Hours No Time Off Unresponsive Local Management

Combined Insurance Response

7y

Thank you for taking the time to leave this review. Our agents enjoy an entrepreneurial-like opportunity to sell on their own schedule, make a virtually unlimited income based on the volume of their sales, and to run their business according to what works best for them and their customers. It's true it's not easy, and it's not for everyone. We regret it wasn't a good fit for you, and we wish you all the best in your future endeavors.

Viewing 16 - 18 of 1,019 Reviews

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