Combined Insurance reviews

3.4

59% would recommend to a friend

(1,019 total reviews)
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Richard Williams

70% approve of CEO

62% positive business outlook

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).

Reviews by job title

1K reviews
2.0
Aug 15, 2014

Beware before you get hired

Recommend
CEO approval
Business Outlook

Pros

You have to be very disciplined for this job

Cons

lots of driving, your gas bills alone will eat up your profits. This is not for someone just starting out. You will need lots of savings to get you through the first year. Its pretty much sink or swim. Trust me when your'e promised you will make lots of money but in reality its a lot harder than you think.

1.0
Oct 1, 2014
Recommend
CEO approval
Business Outlook

Pros

If you have no scruples, you will do well selling their products. I have nothing good to say about this company.

Cons

My first job was at Combined and I was on the retention team. When customers called to cancel their policies, it was my job to retain their business. Time and time again, the same sales agents' customers would call to cancel. Agents were selling the policies like that of a large reputable company's disability / life product (ie: GWL, Sunlife, Manulife, etc). When it was time to claim, people were shocked when they were told they had barely any coverage. We reported the scamming agents, but it was evident the company did not care. They purposely targeted rural areas and low income neighbourhoods, preying on the ignorant, illiterate and uneducated. I could not wait to get out of there.

1.0
Nov 8, 2013
Recommend
CEO approval
Business Outlook

Pros

Excellent insurance training program in order to obtain provincial license; There is opportunity available with this company; however, it is all contingent upon the level of expertise and in-field training time one's manager is willing to impart.

Cons

Interview process gives one the belief that they are dealing with a Company actually looking for candidates to fill a position; It is a three-part process, involving an introduction to the Company, an aptitude test, an interview, a day out in the field with an agent; and then the job offer. Told about the two weeks of insurance license training (Company pays for hotel, but no other expenses, like food, except breakfast) and requirement to pay for licensing test exam; and the following one-week of sales training. All along, the unstated assumption, once the provincial exam is passed, that one is a member of the Company. Following the in-school training, the Company purports that a subsidized 10-week in-field training will ensue. There is No set in-field training program...it is all dependent upon the manager under whom one has been placed, and how good they are, as well as experienced at training new recruits, and how invested in your success they are. There is no initial meeting with your manager upon entering the field to discuss goals, training process and expectations by trainee and manager, each. The first week, the trainee is to shadow the manager, with the manager handing over the reins from time to time to guide you and ensure the trainee 'gets' the process. Well, if the manager doesn't make contact with any current clients for renewals, or success at cold-calling, nothing is learned. Then, it is announced that the following week the trainee is totally on their own. And, heaven help the trainee if they become quite ill during the '10-week in-field training' process. It turns out that there is no allowance for this type of event, and this lack of allowance is never communicated, though the manager and their manager are well aware of the trainee's illness and inability to work the field, to stop the in-field training and have it resume upon returning after illness. Thus, all weeks out of the field to illness is lost compensated in-field training. So, in order to continue, one is left to their own devices. Also, there are to be daily meetings with the manager for in-office training...this often would happen, but not on a daily basis, at a local coffee shop, where there was more sitting around, and no business conducted. Initially, the Company tells you about all the leads they provide, but it turns out they are only current clients whose premium is due to be paid, and the idea is that you will up-sell the client on additional coverage. The rest of your time is spent cold calling. One's day may end up being 14 hours in length, and if the working area is a distance from one's home base, there is the driving time to factor in.

Viewing 1 - 3 of 1,019 Reviews

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