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21%
17%
8%
17%
38%
2.7
Average Rating
(based on 24 Combined Insurance Review Ratings)
Company Culture
2.5
Growth Opportunities
2.6
People You Work With
3.1
Person You Work For
2.7
Rewards You Receive
2.6
Support You Get
2.5
Way You Work
2.9
Work Setting
2.5
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Combined Insurance Employee
in Farmingdale, NY

"Unprofessional, disorganized, antiquated software, limited assistance after the first few weeks after training. No leads except for the top producers who have worked there for years. Job is a 7 day a week job. \Position has very high turnover"

Person You Work For 3 / 5 People You Work With 3 / 5 Work Setting 2 / 5
Support You Get 2 / 5 Rewards You Receive 1 / 5 Growth Opportunities 3 / 5
Company Culture 1 / 5 Way You Work 4 / 5
Combined Insurance Employee
in Chicago, IL

"I’ve worked for Combined Insurance since 1999. It is a great company to work for with opportunity for advancement."

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

Company-Industry Rating Comparison

2.7
Combined Insurance (41)

4.7 Highest Rated in this Industry is Milliman (9)
2.2 Lowest Rated in this Industry is Ascensus (7)
3.7 Average of All Companies in this Industry (9,035)
Combined Insurance Employee
in Chicago, IL

"Very old school culture and lack of management depth or willingness to think outside the box limits their growth and has caused company to decline in growth"

Person You Work For 1 / 5 People You Work With 1 / 5 Work Setting 1 / 5
Support You Get 2 / 5 Rewards You Receive 5 / 5 Growth Opportunities 2 / 5
Company Culture 1 / 5 Way You Work 1 / 5
Senior Account Executive
in New York City, NY

"I am a senior account executive for Combined Insurance. I am based in NYC, and everything about the company- from the training, the organization, the management, and the overall system is one of the best out there. The payout structure and bonus system is very generous. This is one of the best decisions I made working for Combined Insurance"

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

Average Combined Insurance Ratings in the Past 3 Years

Year Salary
2011 $3
2012 $3
2013 $1
Combined Insurance Employee

"Worst the absolutely worst job for your self esteem and for draining your bank account. Combined insurance will suck all your blood out of you. Pay all your own expenses. Management very unprofessional, a real bunch of scumbags. Drink the kool aid, join the cult. Working for Combined Insurance has made me lose all my faith in the human race. Horrible work environment. 100% commission sales. Stay away. Go back to school if you are young enough get a career. This is not a real job."

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

"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
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
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
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