Ups and downs. - Territory Manager Combined Insurance Employee Review

3.0
Jan 20, 2011
Recommend
CEO approval
Business Outlook

Pros

Second to none training All materials provided Needs-based selling Semi flexible schedule Good product base Bonus Potential They pick up tab for business trips Good trips to earn

Cons

Aggressive pushing from VPs to MDs to TMs to "hit numbers". Lot of hypocriticial action from upper management. Misrepresention!!! Will say they provide leads but the leads are used up "active customers" who are burned up about being contacted so much. Uses leads to "trap" employees but then told to cold call and cold call some more. Will hire up anybody and then expect TMs to train people who should have never been hired. Pay sheets are IMPOSSIBLE to read. Even as a TM, I am uneducated on them. Have heard a number of claims issues. Schedule may be flexible but it's a lot of long hours and weekends. Pay structure is impossible to follow. (expecially for TMs and expecially the new 2011 concept) Seems to have a lot of responsibility for such a small base salary at the management level. As a W2 company, even managers are treated as 1099s. Expected to pay all phone, computer, fax, office supply out of pocket. (was not give a program necessary to do my job and I refuse to pay 200$ out of my pocket for it...Microsoft Office)

Explore other reviews about Combined Insurance

5.0
Jan 21, 2026
Recommend
CEO approval
Business Outlook

Pros

Great work / life balance, phenomenal health insurance benefits, supportive management, team mentality

Cons

I don't like the new 4 day in office mandate but it's fine.

3.0
May 23, 2026
Recommend
CEO approval
Business Outlook

Pros

Fair company. Mgmt was ok

Cons

Low salary not overtime I’d offered

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