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21%
16%
11%
11%
42%
2.6
Average Rating
(based on 19 Combined Insurance Review Ratings)
Company Culture
2.6
Growth Opportunities
2.5
People You Work With
3.1
Person You Work For
2.6
Rewards You Receive
2.5
Support You Get
2.4
Way You Work
2.8
Work Setting
2.5
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Combined Insurance Employee

"Very unprofessional management. Does not care about anyone, only themselves. ALL OF THEM. If you have any problems whatsoever, it is your's. Nobody is there to help you when struggling. That is not what they tell you at first when you are hired. BAD Company. Expect to be sucked in right from day 1 with nothing but a bunch of lies. They will tell you how great it is and then you find out after that it's all a bunch of false promises. Both District Leaders and Sales Leaders make a hefty commission on what you sell. At first they push you to sell everyone you can. Take advantage of family and friends. Your sales leader competes with you, will take your sale if they possibly can. Sales leader only interested in filling their own pocket. They will suck you dry, better have a good bank account to start out with. After you pay all your own expenses, sometimes you make nothing. Go in the hole instead. Who can afford that. Everyone competes for leads and sales. People steal from each other. Horrible culture."

Person You Work For 1 / 5 People You Work With 2 / 5 Work Setting 2 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 2 / 5
Combined Insurance Employee
in Ontario, CA

"When you are recruited they tell you they put you up in a hotel and it is all free. Well...You need a deposit for the hotel and you need money for meals. Then they promise you a training allowance. When pay day comes you are lucky if you get it. They will find a reason not to pay you. Once you are in field training if you are going to be paid that is up to your district leader. Paid training is not exactly true. Also the commissions you make aren't exactly true. They don't tell you until after that 20% comes off your pay for an account to pay your charge backs. Also an additional 12.00 comes off your pay to cover expenses like business cards and brochures and applications. Those things are not free. You are told you must wear executive business attire. Your sales leader may not be dressed like that. The professionalism across the board is bad. There is no conflict resolution skills. No training in that area either. Sales leaders make an override on whatever you sell, so do district leaders. You also have to sign on with them full time. It's best to do this kind of thing on a part time basis until you can afford to replace your income. They pride themselves that they are not like Primerica. Actually they are very similar. If you quit, your sales lead and your district lead have gotten paid a commission for you and they will be charged a charge back and they can come after you for it. Also you sign an invoice for 5,000.00. If you don't do 5,000.00 worth of business before you leave, the company can come after you for that. Because the free training they offer you is not free."

Person You Work For 1 / 5 People You Work With 1 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 1 / 5

Company-Industry Rating Comparison

2.6
Combined Insurance (36)

4.8 Highest Rated in this Industry is Great American Insurance Group (9)
2.1 Lowest Rated in this Industry is Ascensus (6)
3.7 Average of All Companies in this Industry (8,000)
Combined Insurance Employee
in Chicago, IL

"I've worked for this company for a few months and you cannot work there if you have ethics, especially if you are a woman. Their code of ethics is a lie because when you complain about your superiors the company uses women in HR to sweep it under the rug and try to get you out of the company. Pretty much if your boss wants sex the company expects you to put out, shut up or leave. They have no ethics and they will at all cost protect their males. This is the truth. Please be careful what state you work for. Some are worse than others. Even basic respect for females is lacking, their code of ethics in their manual is a lie. I would not recommend this company."

Person You Work For 1 / 5 People You Work With 1 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 1 / 5
Combined Insurance Employee
in Buffalo, NY

"It's the only job I have ever had and I have made good money."

Person You Work For 5 / 5 People You Work With 5 / 5 Work Setting 4 / 5
Support You Get 3 / 5 Rewards You Receive 5 / 5 Growth Opportunities 5 / 5
Company Culture 4 / 5 Way You Work 5 / 5

Average Combined Insurance Ratings in the Past 3 Years

Year Salary
2011 $3
2012 $3
2013 $1
Account Executive
in Cheektowaga, NY

"I have been employed with combined insurance now for about six months. I was promised a management role and from what I was told about the position was much different from the interview to what I was shown once offered the job."

Person You Work For 5 / 5 People You Work With 4 / 5 Work Setting 4 / 5
Support You Get 4 / 5 Rewards You Receive 4 / 5 Growth Opportunities 4 / 5
Company Culture 4 / 5 Way You Work 4 / 5
Sales Executive
in Los Angeles, CA

"Ghetto! They are too cheap to pay for a local office. You will meet with the Southern CA market director (who is currently being sued by several employees by the way) at a cheap diner like IHOP or Cocos. Too cheap to meet at Starbucks. They will hire ANYONE just to beat down and abuse! Don't go here please! Talk to some of the employees."

Person You Work For 1 / 5 People You Work With 1 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 1 / 5
Combined Insurance Employee
in Ontario, CA

"Don't even interview here, you will be broke! You will be bombarded with so many conference calls and unnecessary meetings that you won't be able to do your job! And if you even file any kind of complaint against management, they will retaliate and fire you! The CA upper management is the worst! They are aware that employees only last a short period of time so they are always hiring. You will be harassed and treated like garbage even after working 12-14 hours a day!"

Person You Work For 1 / 5 People You Work With 3 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 1 / 5
Combined Insurance Employee
in Ontario, CA

"This will ruin your life! Stay away! Unprofessional chauvinistic racist pigs!!!"

Person You Work For 1 / 5 People You Work With 3 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 1 / 5
Combined Insurance Employee
in Los Angeles, CA

"Do not even interview with these people. They are unethical and unprofessional! They are also chauvinistic! You will be working 10-12 hours, pay for all your expenses except miles, but you have to threaten them with a lawsuit for mileage reimbursement. They will sell you a dream but you will end up in a nightmare! I am currently seeking therapy because of the way the trainers and upper management in CA will humiliate me on conference calls. If you don't sell they think you don't work!"

Person You Work For 1 / 5 People You Work With 1 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 1 / 5
Combined Insurance Employee
in Ontario, CA

"Stay away! The recruiters will feed you a bunch of lies so they can get paid. They pressure you to leave for Chicago for a 2 week training program right away. They will tell you your salary is one thing but it's not. Also, they will say you have protected territories but you don't! It's open. You do NOT own your accounts. So after you worked hard to get a client after 6 months it will show up in another agent's lead assignment. Your renewal commission is only 2%. Much more BS!"

Person You Work For 2 / 5 People You Work With 3 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 1 / 5
Territory Manager
in Ontario, CA

"Never in my life have I experienced such lack in professionalism and support as I did at Combined Insurance. They provided nothing but false promises and abuse. You only get promoted if you sleep with upper management or are as corrupt as they are. It's too bad a few execs running California continue to ruin this organization. There are at least 9 pending workplace violation lawsuits against the Market Director of Los Angeles so far."

Person You Work For 1 / 5 People You Work With 4 / 5 Work Setting 1 / 5
Support You Get 1 / 5 Rewards You Receive 1 / 5 Growth Opportunities 1 / 5
Company Culture 1 / 5 Way You Work 2 / 5
Customer Retention Specialist
in Chicago, IL

What do you like about working at Combined Insurance?

"I liked solving problems and helping people during highly stressful situations."

Do you have any tips for others interviewing with this company?

"Save at least $700 a month out of the salary that you take home monthly in case you lose your position."

What don't you like about working at Combined Insurance?

"The unfair employment termination process that was practiced along with the bait and switch practices that were practiced by the salesmen."

What suggestions do you have for management?

"I would've implemented for incentives for the pay rate to match the levels of work that was done."

Person You Work For 4 / 5 People You Work With 4 / 5 Work Setting 4 / 5
Support You Get 4 / 5 Rewards You Receive 4 / 5 Growth Opportunities 4 / 5
Company Culture 5 / 5 Way You Work 4 / 5
Account Executive
Person You Work For 3 / 5 People You Work With 3.1 / 5 Work Setting 3 / 5
Support You Get 2.1 / 5 Rewards You Receive 3.3 / 5 Growth Opportunities 2 / 5
Company Culture 3 / 5 Way You Work 4 / 5
Sales Manager
in Dallas, TX
Person You Work For 5 / 5 People You Work With 5 / 5 Work Setting 5 / 5
Support You Get 5 / 5 Rewards You Receive 5 / 5 Growth Opportunities 5 / 5
Company Culture 5 / 5 Way You Work 5 / 5
Insurance Agent
in Dallas, TX
Person You Work For 1.4 / 5 People You Work With 1.4 / 5 Work Setting 1.6 / 5
Support You Get 1.6 / 5 Rewards You Receive 2.3 / 5 Growth Opportunities 2.7 / 5
Company Culture 2.6 / 5 Way You Work 2.8 / 5
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