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 126 reviews)); "People were great and very conscious" ((in 44 reviews)); "Benefits are great but not immediate" ((in 42 reviews)); "Flexible schedule but you have to work all the time" ((in 25 reviews)); "Great opportunity to sell voluntary benefits to small / medium employer groups." ((in 21 reviews))

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

"Commission Only and training is UNPAID." ((in 55 reviews)); "The management is poor and not professional." ((in 49 reviews)); "Territory managers have poor coaching skills and therefore micromanage their agents." ((in 38 reviews)); "Long hours (5 to 6 10 to 12 hour days) an excessive amount of meetings." ((in 28 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 are the top reviewed Combined Insurance locations?

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

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

Feb 29, 2016

The worst experience I've ever had

Insurance sales agent

Recommend

CEO approval

Business Outlook

Pros

Not A whole lot of pros with this company. They do give you freedom to make your own schedule but that's about it.

Cons

The extensive "sales training" is nothing more than memorizing a pitch so that you can go door to door and be shut down countless times. Extensive travel to market meetings usually 2-3 hours away from my location without receiving any compensation for them. Very poor management. Managers would ride together to make sales while they left the new agents to struggle by themselves. Beware of chargebacks aka they will take your whole paycheck. It's basically a pyramid scheme without being called that.

Combined Insurance Response

10y

Thank you for your feedback. We understand that sales is not for everyone, and we do our best to prepare our sales agents with proven methods in sales school. We are always looking for talented sales agents, and we reward those managers who recruit them, but we are not a pyramid scheme. If you have any additional feedback you wish to share, please email us at feedback@combined.com. We wish you all the best here at Combined Insurance or wherever your career takes you.

4.0

Feb 28, 2016

Sales Representative/Benefit Specialist

Sales representative

Recommend

CEO approval

Business Outlook

Pros

Great on-going training. A positive atmosphere that encourages you to strive to do better and correct your last respects.

Cons

100% commission plus bonuses. Until you become good at sales you don't make much money.

Combined Insurance Response

10y

Thank you for reviewing our company. We especially appreciate hearing from our current employees. Thank you for pointing out that you are benefiting from ongoing training and our emphasis on having a positive attitude. We strive to provide our agents with the training and support they need during their entire career. Our sales agents have a virtually unlimited sales potential, but it’s true you have to work hard and put in the time to gain success. We will pass your suggestion on to sales leadership. We wish you all the best in your career here with us. If you have any other suggestions, please send them to feedback@combined.com.

2.0

Jan 13, 2016

Territory Manager

Territory manager

Recommend

CEO approval

Business Outlook

Pros

Great first week of sales training, Flexible schedule, tele-commute, PMA,...but

Cons

Scam simply. Walk and walk and walk door to door. Marketing Directors and above work for ACE but TM's do not. Commission schedule so convoluted and the worse ever HR/Compensation website.

Combined Insurance Response

10y

Thank you for taking the time to review our company. We are known for our excellent training school that prepares our agents to be successful in the field. As you mentioned, our founder, W. Clement Stone, believed that having a positive mental attitude (PMA) was key to success, and we find it holds true for our successful agents in the field to this day. Our agents are full-time employees, but they do enjoy a flexible schedule in which they manage their own time. Sales is not for everyone, but those who excel in sales have a virtually unlimited income potential. We are slightly confused by your statement that Market Directors and above work for ACE. Let us be clear, all employees work for Combined Insurance and Combined Insurance is an ACE Group company. That said, we hear your frustration and want to do better. Specifically, we would appreciate it if you would let us know how what specific issues you encountered on our employee website. Please email us at feedback@combined.com with more information.

Viewing 223 - 225 of 1,019 Reviews

Jobs at Combined Insurance

Insurance Sales Representative

Edmonton

View job

Insurance Sales Representative

Gander

View job

Insurance Sales Representative

Corner Brook

View job

Insurance Sales Representative

Calgary

View job

Insurance Sales Representative

Grande Prairie

View job