Is Combined Insurance a good company to work for?

Combined Insurance has an overall rating of 3.3 out of 5, based on over 1,133 reviews left anonymously by employees. This rating has increased by 5% over the last 12 months. 52% of employees would recommend working at Combined Insurance to a friend and 53% 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 1% over the last 12 months.

How satisfied are employees working at Combined Insurance?

52% of Combined Insurance employees would recommend working there to a friend based on Glassdoor reviews . Employees also rated Combined Insurance 3.5 out of 5 for work life balance, 3.4 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 134 reviews)); "Benefits are great but not immediate" ((in 49 reviews)); "People were great and very conscious" ((in 45 reviews)); "Flexible Schedule if your sales are good" ((in 28 reviews)); "providing people with supplemental insurance policies designed to HELP when something goes wrong." ((in 19 reviews))

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

"The management is poor and not professional." ((in 51 reviews)); "Commission Only and training is UNPAID." ((in 47 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 31 reviews)); "Upper management could care less about the agent themselves, except what the agents can put in managements pockets." ((in 20 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 are the top reviewed Combined Insurance locations?

Chicago , New York , Buffalo , Glenview , Atlanta , Farmingdale , Dallas , Greensboro , Pittsburgh , Miami , Rochester , Los Angeles , Orlando , Latham , Charlotte , Denver , Boston , Houston , Edison , Albany , Syracuse , Nashville , Columbus , San Diego , Saint Louis , Newburgh , Raleigh , Rapid City , Knoxville , Indianapolis

Combined Insurance reviews

3.3

52% would recommend to a friend

(261 total reviews)

Richard Williams

59% approve of CEO

53% positive business outlook

Ratings by category

3.7

Diversity & inclusion

3.5

Work/Life balance

3.5

Compensation and benefits

3.4

Culture & values

3.4

Career opportunities

2.8

Senior management

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

261 reviews

Reviews about "Compensation"

Return to all 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!

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.

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.

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!

5.0

Dec 1, 2016

Account executive

Recommend

CEO approval

Business Outlook

Pros

For me working at Combined changed my life. I am a single mom of two and struggled financially till I found this company. I find it very rewarding to be able to help people at a time of need and to be able to make a living at the same time. I owe much of my success to the support my managers have givin me. This is a phenomenal team based company and u get a lot of support to succeed. Before this job I had no knowledge or experience in the insurance field. I am only seven months into this job and plan to retire here. I do not feel that being a commission based only pay is a threat to me. If you do your job, have the will to learn every day and offer the best customer service, you will succeed!!

Cons

I find no cons to this job. I work a 40 hour week no weekends. I am able to spend time with my children and never miss anything pertaining to their lifestyle. I am blessed to have found such a company and am proud to be able to represent them.

Combined Insurance Response

9y

Thank you so much for sharing this positive and personal review. It is truly wonderful to hear how much working at Combined has changed your life for the better, and we are fortunate to have agents like you representing us. Many of our successful agents have shared with us that, like you, they are grateful to be able to make a living selling policies that will help their customers during a time of need. Our goal is to always make sure our agents have the training and management support they need, so we are pleased to hear that you have a “phenomenal” team and managers who support and guide you. We wish you all the best in your career here with us!

Viewing 181 - 183 of 261 Reviews

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