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2.8 36 Reviews

Combined Insurance Complaints Summary

16 Resolved
20 Unresolved
Our verdict: Dealing with Combined Insurance, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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Combined Insurance reviews & complaints 36

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S
12:13 am EDT

Combined Insurance Beware

I have been a Combined Insurance customer for many years with a wide variety of policies, as have other members of my family.

I became disabled from a Worker's Comp injury several years ago. I was diagnosed with multiple injuries, but was told by Combined Insurance my policy only covered one injury at a time.

A year into my policy, Combined started bawking at paying, despite receipt of all the required paperwork. I filed a complaint with the NYS Insurance Dept, citing bad faith insurance policies, as there was no reason for Combined Insurance to deny payment.

They subsequently paid on the claim, much later, and without the benefit of interest, but in the meantime I contacted an attorney. Come to find out I was eligible for benefits under each of my separately stated injuries. I have been attempting to get my money out of Combined for six months now. They deliberately misled me, and now to sue costs a lot of money I don't have (not to mention energy due to illness).

Combined used to be a solid company, but clearly belongs now in the category of micro insurance currently being invested by the government for failure to pay on mini-policies due to lack of funds. Beware.

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5:55 pm EDT

Combined Insurance Incompetence

Run Forrest Run!

DO NOT use this company. They are a bunch of incompetient people.

They will double bill you and then when you catch them at it even though they can see it on their payment history they will make you prove to them they did it.

They will lose your personal information and then call your relatives and discuss the problems with them.

They obviously don't communicate with each other because we told them we don't want their insurance, even closed out one of the bank accounts they were pulling money from and they continue to harrass us by phone and mail and are now harrassing the bank that we closed the account with. Still trying to get their money from a bank we told them we closed. UNBELIEVABLE!

This company is a total JOKE. Spend your money elsewhere!

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2:48 pm EDT
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Combined Insurance wasted 5 good working years

So where do I start, well if ur considering a career in insurance DO NOT WORK FOR COMBINED. U will be overworked and underpaid. They are the lowest paying insurance company in Canada. The managers job is to sell u a dream and an opportunity. During the interview they act like they've interviewed on overwelming amount of applicants however thats far from true. Each provience has one executive. The executives are extremly dilussional and ONLY care for themselves. The dream is to one day become an executive but by the time u figure out that a Combined executives salary is ONLY $50000 a year, they recieve a company car but taxed HEAVILY on it, it's too late by then and u've wasted a bunch of time. The executives will ALWAYS push u to do greasy things, diffrent ways to decieve clients, lie to agents, anything for the executives to bonus. As a matter of fact the Executive in Saskatchewan is ACTIVELY commiting FRAUD and the higher ups know about it and they refuse to do anything. Actually the individuale who discovered the fraud was TERMINATED FOR REPORTING IT. And when it comes to nepatisam...this company is ahead of others. The Executive on the West coast is ONLY in that position because of the balls sac he was shot out of. His daddy is the reason y he is where he is, what a sad pathetic exsistance. The Executive in MB., at his own admitance is a closet homo (I'm sorry people had to find out this way).
Combined will try to sell u on the residuale income, now if u play ur cards right u can build a large residuale income, however they fail to tell u that the company owns the residuales and not the individuale. They also hold back the residuale payout in December...how sad, I'm sure this selfish act has reuined many Christmas'. Now if u callculate ur residuales on the monthly report the company sends and what u actually recieve in ur account u will notice a HUGE disscrepincy and if left unreported that adds up to thousands of lost income. Also ur residuales dissapear after five years. Combined will make u go after another mans dream, thats what the company was founded on. I have left this filthy, unethical orginization. As a result I gave up my residuale income which was over $50, 000/yr and in my oppinion it is DEFFINATLY worth it. Approximatly 9 people have left the organization as a result of my resignation. The company has tryed desperatly to disscredit us with slandeouse letters sent to clients about those who have left and encourage their agents and managers to activly tell people thing about us that are not true. PLEASE DO NOT b dilissional and fall victim to their empty promises u will b sorry. NOBODY in Combined has become a millionare as some of them claim, u may even fell sorry for ur manager if u were to c how they actually live. DO NOT B LIED TO!

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Update by mrpma
Mar 19, 2011 11:19 pm EDT

wow you nailed the nail right on the head.

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coolrunnings
Saskatoon, CA
Oct 05, 2011 5:04 am EDT

Thanks for the information. I spoke to one of their guys today and was going to talk turkey with the manager here. Thewy promised me a big book of clients which was enticing.

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Common Coach
Hoboken, US
May 17, 2011 8:27 pm EDT
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I simply left because everything about the 'outfit' was a joke. Had interest in supplemental insurance to upsell so called established client base. Once I joined I was then told that existing customers I would get paid 35 percenct instead of 45. Okay. So I did so. When I sold to new customers and went back to them with more product. I was told that I was getting paid 35 percent. What happened to the other 10 percent? I was told that once sold that it's automatically 35. Not fair! So 35 percent on a product that is paying say 26 dollars a month. Not to mention your taxed. So your left with enough money for a cornbeef sandwich and the servicing of the client forever. Did I mention that one of their products only pays 20 percent? That customer better be walking distance from my apartment. No thanks. I found a company that also offers leads and pays me 80 percent my first year and great renewals. Year two 70. Year three 60. Year 4 55 percent. Not to mention a support staff. Not an empty office with pictures of WC Stone. Excuse me for shopping around. But their are plenty of pruducts that can compete with Combined and that you get compensated for doing the right thing.

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smASHie
here, Manitoba, CA
Mar 24, 2011 10:24 pm EDT

not sure about the closet homo however...

This post is written to simply convey my opinion and to share some of my experience with Combined Insurance (CI).

I worked with CI from 1999 until 2010. Started as a trainee, then agent, then Sales Manager, then Trainer, and ended as a District Manager.

I've read the posts and am familiar with the CI systems. The policies are decent and do exactly what they say they do...NOTHING MORE...so be sure you understand what you are buying.

To keep this short and to sum up my experiences I have to tell you that I've met a few terrific people who work with CI...I've also met some terribly slimy people.

Over the course of my tenure it slowly became obvious that CI is not an insurance company as much as it is a Direct Marketing Company.

As agents/field managers we would try hard to do what was right for the consumer but that was never the focus of the executives. Their focus was sales and increase.

I tried to make/leave a positive impression for the company and the industry as a whole. I trained my people to do the same. Many of us were very ethical.

Unfortunately I've seen it proven again and again that the unethical/slimy people see to do the best. They rise to management positions based on the volume they sell...not the quality of their business or character. Lately in Manitoba these decisions to reward criminals has come back to bite a certain manager with the initials BK. He has ignored the signs to perpetuate his increase and bonus and suggested several times that the honest low-to-average producing agents/managers must be more like the criminals who are wildly successful. Many of the wildly successful agents have been terminated and have charges pending. Some have started working with competing companies and are starting their cycle over again.

In closing, understand that there is good and bad in everything. The people that I most despise in CI would be horrible people to work for/with in any industry...their just not morally strong people.
The criminals seem to do well as they use more of a marauder mentality where you take what you can as fast as you can then you get out.

CI did help me support myself and my family but it was hard work. I sacrificed my time and my family to try to make a business work that wasn't really my own. In the end it wore me down and ended the 15 year relationship I had with my wife. There are many things I should have done differently but unfortunately I was naive and easily led. I assumed everyone shared my ethics...I was wrong. Had I put the effort into something else a bit more ethical I would be much further ahead.

Contact me through this forum if you wish more info.

In closing I would say that I enjoyed the clients, most of my co-workers, and some of the experiences that CI brought to my life, however, if I could go back to November 1999 I would go with my gut this time and say 'No thanks, it's just not worth it'.

ComplaintsBoard
J
3:22 pm EST

Combined Insurance I have had this insurance for many years and i have NEVER had any problems with claims

This is a good company these complaints are probably because they did not give the correct or relevant information they required. my wife had a knee rupture from slipping and twisting her knee and it bled. we were out of town and had to go to the hospital to have it drained. had to return home and on the way had to stop at the emergency room to have them check it again to see if it was still bleeding (as it was friday night) and our doctor would ot be available. After many visits and orthopedic doctor evaluations she sent in the paperwork and hospital/doctor info. it took less than 2 weeks and she recieved 2100.00. now what is so wrong with this company?

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12:28 am EST

Combined Insurance Refuses to Pay

The company collects premiums from supplemental insurance programs such as a "Hero Plan" but makes the claims process so inconvenient it’s not worth completing the process. Every attempt to resolve a claim is meeting with some request of obscure documentation that is of course time consuming to obtain. The claims representatives are about as pleasant and helpful as a DMV employee at 5 pm on a Friday. Then when you finally cancel the policy Combined Insurance continues to bill you then make you go through the process of obtaining a refund. Unless you enjoy filing paperwork in quadruplicate I suggest avoiding the worthless organization all together.

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Kent and Marta Johnston
Stockton, US
May 21, 2014 3:13 pm EDT

Right you are!

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2:40 pm EDT

Combined Insurance Rip off

Me, my father and my grandmother have been customers for over 30+ years... he passed away and i tried to file a claim for his hospitalization insurance and they wanted to give the money (what little they were going to pay) to his ex wife, not to me or the hospital to help pay the bill... who ridiculous is that... i am now dropping my policies...what a shame we have wasted money for so lomg. i feel bad for the others who are being ripped off... after reading all these reviews I am blown away...seems like such a scam

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Pixelshim
Fleetwood, US
Aug 24, 2010 9:51 am EDT
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Insurance policies are legal contracts, and the Company is bound to pay only the beneficiary named in the policy. It appears that he failed to change his named beneficiary after his divorce.

I think the company did what they were required as dictacted by Insurance Law.

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3:18 pm EDT
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Combined Insurance SO RUDE and UNPROFESSIONAL

Upon Lois trying to get in contact with my boss to sell him insurance she called several times and each time I tried to help her only to be greeted with RUDENESS and complete UNPROFESSIONALISM. Then after several days of her not being able to get in contact with my boss she comes into the office. She asks for my boss and when I told her he wasn't here you would have thought I killed the president. She was completely unprofessional and demanding throwing a fit right in front of my customers - this is not a good sales tactic! I have advised my boss to not buy from her because of her continuous rude interactions. God forbid we did buy from her and then actually need something, I'm sure we'd be met with the same unprofessionalism.

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AHall
Lansing, US
Feb 27, 2012 7:06 pm EST

I always debate when people use the word Rude and Unprofessional, especially when there is no detail explanation of what happened at that time. First of all, some people use it as a catch all phrase, as if everyone has the same definition of what rude is. Secondly, if you can't go into any detail of exactly what happened or was said, you probably had nothing to be begin with in the first place and are too embarassed to put it into your own words to someone else. The one that was rude and unprofessional was the one that couldn't deal with the person on a one on one basis without going to a higher authority or complaint avenue.

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AHall
Lansing, US
Aug 29, 2010 9:10 pm EDT

I have bought insurance from Lois Hallifax and found her to be very knowledgeable about the subject and has helped me file a claim. She also has found money that I was unaware of and was able to obtain on another claim. I do not hesitate to call her with a question about my policy. I have followed up with buying 2 other policies from her. I would recommend her to anyone wanting to buy insurance.

A. Hall

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2:20 pm EDT
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Combined Insurance Working for Combined

I was contacted by Combined and much to my mistake decided to work for them. There is this 2 week of training that focus on what W. Clement Stone wrote. I read two of his books and much to my surprise; I find much of his work is based on psychological studies that he distorts to justify his point of view. Even in the training there is a ###zation of a quote from Socrates. My office my first week I was on my own, my supervisor said nothing to me and I was given a listing of policy holders, active and lapsed, as well list of leads, and was told nothing. My second week I attend a meeting by the Manager in which he continued to call everyone "Stupid". I also had a private meeting with the Manager in which I got more listings...many with DNC (D0 Not Call) meaning under the law we can not contact them. The Manager told me to call them regardless and watched over me. After over 6 hours he then reviewed my performance with me and use words "slow" "whimp" "stupid" for me and the clients, those with claims as "taking the Combined" . Then I spent a day driving around town with my supervisor who did not say much. At the end of the day after the only person we actually meet he called me "Cold Blooded" "slow" and "heartless" just to name a few. I was thinking of pulling to the curb and telling him to get out of my car. Instead I drove him to his car and decided working for Combined was not for me. I never went back nor called them. I was told I was to receive a weekly advance and gas mileage, but only got it for the lst of 4 weeks I worked at Combined. After this experience, and two previous negative experiences working for insurance companies I turned in the license.

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Smoky Meadow Farm
, US
Jun 16, 2011 3:45 pm EDT

You had jobs with three separate insurance companies and they were ALL bad experiences? Hmmm... what is the common denominator here?

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5:09 pm EST
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Combined Insurance Not paying claim for surgery

Filed a claim with Combined Insurance for my hip replacement surgery. I was diagnosed at the age of 4 with Juvenile Rheumatoid Arthritis. I had my first joint replaced in 2006. They paid for my surgery time as well as the time i was disabled for. I then had both my knees replaced in 2007 and they again paid the claim like they were suppose to. I am now 23 and have had my other hip replaced. They are now refusing to pay my claim. They have lied to me on every occasion, have told me that they have sent letters to my doctors for more information then i find out they never sent anything, etc... All i want is my claim to be handled fairly and correctly. They are not telling me that since I will never recover from Arthritis that they cant pay my claim. If i remember correctly, my claim was for my hip replacement surgery not for having arthritis!? I can and will recover from my hip being replaced and should be paid for the time i am disabled. I have paid into this policy since i was 4 years old and this is the treament i get? I really want to and need to file a lawsuit against them as well as a complaint with the DOI.

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7:12 am EST
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Combined Insurance Refuse to pay claim

I have 3 policies & total refuse to pay bi cause they say hi need more info about the claim, i also provide the Dr cell phone, bills from hospitals, & info of the clinic but the company never pay.a penny hospital, accident, & Anny loss this company is just stiling money from working people never buy any from this company is just Bunche of rats.

the worst is i been paying more than 8 year i never use.

ulises hdez policies P8124998, P6727559 and P5317991

is just a waste of money I waste 8 years payin allmost $90 each month

please never buy any ting from this crap company .

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11:07 am EDT
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Combined Insurance asking for info the dr already sighned

i had suplimental insurance..the service and lies are so bad i cancelled them last week ..first they said i needed to fill out a medical release form for them to retrive my medical history ..i did that and sent it back..now they say they mailed my dr a form to fill out of wich they have not...she filled aout a claim form and signed it when i went for the check up gave ot to me and i mailed it to combined . i have been trying to contact the agent that sold me this insurance. i called chicago and they said they could not give me that information? now they tell me that they need to know from the dr that this was not a pre existing condition . she clearly marked no on the claim form she filled out and gave me. there are to many excuses of why they cant pay me yet...Thank you Debbie Logan 618.550.1687
e mail [protected]@hotmail.com

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6:33 am EDT
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Combined Insurance - Awful experience

I am a Ex-Mgr for Combined. I had the unfortunate experience of working for the Dietz a few years ago. I recently ran into another Ex-Agent as for if you have been on this site then you know that people only work for Combined long enough to ruin your household income and run you and your car or truck to the ground. The former employee told me of the big...

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3:33 am EST
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Combined Insurance - Card fraud

I don't usually post messages like this but having seen all of the complaints and comments from the USA about this company I thought perhaps it might help others in the UK to know that our American friends are not alone. I had £800 charged to my debit card by Combined Insurance with no reference to a policy number or anything else. I have never heard of...

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2:26 pm EST

Combined Insurance They are stalling and mis directing me!

My mother had a life insurance policy on my with Combined. She passed away last April, and I want to cash it out. Combined has been stalling me for over a month.

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Reviewer29572
,
Dec 28, 2015 3:17 pm EST

I cancelled my policy before the next billing and they claim there is no refund. They claim I am paying from the middle of the cycle and they will not refund my last month's payment which I tried to cancel but they claimed it was too late to cancel it. I guess this company needs my $18.00 in order to meet their high goals of corruption.

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joojoo kinkytop saucerlip
westernport, US
Jul 14, 2009 4:26 pm EDT

that sux

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9:57 am EDT
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Combined Insurance Do not use this company

I am embarrassed by what has happened to please bear with me. I too was a victim of these heartless crooks at combined insurance. I really wished I had gone to this web site first. My story goes like a lot of yours. I posted my resume on Monster.com. I got around 100 responses. Someone from Combined Insurance called and offered me salary plus commission. I was surprised that I would get salary PLUS commission selling insurance. It sounded too good to be true. I should have known better. If it sounds too good to be true in is.

The interview was high energy. I told them I had a sick spouse and could not travel and was told no problem. When I filled out the paper work I elect the least amount of travel, which was 10%. I was again assured that travel would be very limited. I was told they wanted me to be a manager and that my territory would be close to home.

When I went to school I was pressured into staying at the hotel even though I lived not too far away. That was the first week away from my wife. I had a license already. The school was all feel good stuff pumping PMA and W C Stone's psychobabble. The Combined School of Brain-Washing is really good.

As soon as I graduated we went on an Ardmore or whatever the hell they called it in Nowhere Texas where we had to sell to Eustis Banks and be chased by Courage the Cowardly Dog. (Week 2 away from my wife). My trainer if you can call her that was the most self-centered person I have ever met. She admitted, dating 3 customers and hinted that she slept with them to get them to sign a contract. She could not pay her bills and often talked of suicide. Management told me that she was the highest producer in the country, (most likely another lie). I asked that I be moved to another trainer because she was scaring me. When she was told she would not be training me, she was furious and started accusing me of crazy stuff like writing my initials in her vehicle and stealing money.

Then off we went to another remote town of deranged in-breads. We continued town hopping and never finishing an assignment. My manager was now training me. He was ok I guess. He seemed like a man who had lost all hope and had just given in. Then I was informed I would be going to some town I never heard of that was 5 hours away. Finally I said enough I am not going out of town anymore. Management was furious. I reminded them that I told them from the beginning I was not able to do all this traveling. Their efforts to make me feel worthless and guilty fell on deaf ears.

Upper management often called me and told me I need to focus on the company and not my ill wife. I need to sell, sell, sell. They also were upset because I would not travel anymore. I made $400.00 on the first check followed by $200.00 then nothing. NOTHING? How can that be? Well maybe they got it in too late.

Then I found this web site. Boy was I surprised. So I quit Combined and I want to thank everyone who shared his or her stories. Unfortunately by the time I saw this, my water had been turned off and my lights will go out any day now.

I went to a job fair and I was offered a job by one of the nations largest companies with salary plus commission. The exception was they put it in writing. Yes I did check this site before signing anything and found no such problems.

I still have not been paid by combined. MY manager said he did not remember me turning in anything for the past two weeks. I told him I had a receipt for the checks I turned in and he suddenly remembered them. Then said that my pay was under $50.00 and they will not write me a check for anything under $50.00. I don't have the receipts for the ones that renewed and had the automatic withdrawal and of course they will not pay me for that because I cannot PROVE it. So all in all they are stealing my last two paychecks.

Over the last week Combined customers have been calling me saying that combined is taking out more than they signed up for. So far 3 customers have called and complained to me about Combined taking money out and one lady is now in a negative balance because Combined emptied her account. One customer told me she canceled 3 months ago and Combined is still taking money out of her check. When customer call me to complain I always send them to www.complaintsboard.com and you should too.

Thank you everyone. Although I have no water and soon will have no lights, you saved my house. I will get paid by my new company in time to make the mortgage and enough to get my utilities turned back on.

Warning: DO NOT WORK FOR THIS COMPANY. DO NOT BUY FROM THIS COMPANY.

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Anyways11
Harrisburg, US
Apr 01, 2012 1:16 pm EDT

The worst company to work for. I was a TM for about month before I quit. They sell worthless policies and prey upon poor people who don't know any better. Then their recruiters come on sites like this and try to rebutt all negative comments because it really does hurt their ability to get anyone to work for them. My DM was an ignorant ### that I nearly punched out in the first week. I thank god I'm not there anymore although I get calls all the time from them trying to get me back. The way I left there is a story in its self, so the fact they keep calling shows truly how desperate they are. Hopefully, people look at sites like this and run the other way when the Combined drones come calling.

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Has Moved On
, AU
Aug 13, 2011 4:00 pm EDT

I worked for Combined for close to 5 years in Australia in the early to mid 90's. I was single at the time and I found Combined (or Combined found me) at a time in my life when things were pretty low. My career started slowly, I went a year of spending what I was earning just going to work. It seemed to just click and things started going my way. I went from Sales rep to Territory Rep then to District Rep in the next 12 months. I started to make reasonable money, I thought it was great money. I was quite a party animal and found the lifestyle of booze and late nights exceptional fun. I really lead the high life of driving flash cars and staying in ritzy hotels. I had all the awards and trappings of a Combined high achiever. Our team was achieving fantastic results in the District and we had a pretty good team, I was very fortunate to have understood the philosophy of field training and spent most of my time doing that. This was due to a very motivated Regional Manager. I believe he is still with the company and has climbed the ladder of success. This same manager who made me, also sent me to the wall. This started on a "Masters" trip. Master's awards were a all expense paid trip offshore to a special awards ceremony. Myself and another "DR" spent most of our time drunk. One night my room mate found me in the toilet with my pants around my ankles and put me to bed. That same night I was having drinks in my room with my Regional manager. I wasn't THAT drunk and was certainly not that drunk that I passed out on the toilet. Anyway, I quizzed the Regional the next day about what time we finished up and he just laughed and said we had a great time. Now is the time I say I'm a straight bloke and so I thought, was the Regional. I couldn't prove anything as I was known as bit of a playboy and a drunk. (It's still a bit hazy, but little bits have come back to me and I reckon he was the reason my pants were down). I lost a bit of direction after that and started doing silly things like writing bogus policies to reach targets. Things were starting to spiral out of control. I didn't want to be near this pervert, so I put in for a transfer. That was my undoing. I moved to an area under a different Regional (a previous leader of mine, great guy). At the start it was good, but because the company & my ex-Regional didn't want me to transfer area's, they stopped all my automatic renewal income (Cemtex) I had built up over 4 and a half years. I was like a sinking ship, I didn't have the motivation or the income to start from scratch again. I tried and tried but ended up going bankrupt. I was bitter and twisted for a while, but there is a silver lining. I met my beautiful wife via Combined (I met her towards the end of all this), we've been married for 13 years and have 3 wonderful kids. So it really is a bittersweet relationship with Combined for me. I have got a fair bit to be thankful for. I have a very good work ethic and am a very positive person, i have utilized the work practices from Combined and am now quite successful again. So for all of you, who have battled through this post, I believe in Combined and think it's a great career for the young and single and it's work ethics and mindset will set you up for your future, however, crappy management and crappy people stuff it up. As for despicable turd Regional Managers, I really don't know whether I could restrain myself from punching him in the face if we ever came face to face. Hopefully I never have to.

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haryan
Cairnbrook, US
Jul 13, 2011 12:16 am EDT

I also had a horrible experience working for Combined. I spent two straight weeks away from home to study for the insurance test and to go through the sales training. After I was out in the field I spent over 12 weeks with different salesman and any sales we made were to be split "evenly." Which, was by far not the case. They were bringing in figures of over $1, 200, and my checks were barely clearing over $250.00. Our office meeting was held every morning in the conference room of a Comfort Inn. Guess that should have given me a clue? Everyone is right you went to towns that you may have been close to, but had no idea they even existed. We specifically targeted homes that were either falling apart or were hitting up local trailer parks. I'm an honest person and I know these people could barely put food on the table, so how could I try to convince them that spending the money on a policy every month was a good decision? I couldn't stand lying to these people and taking the hard earned money, with what little they had. Everyone in the office that I worked for were alcoholics and pot heads. We went back the the Comfort Inn every night and would wrap up our nightly meetings with pitchers of beer. I knew that most of them were smoking weed, but I hit my final straw when the person I was paired up with smoked weed as I waited for a customer to let me in to collect their renewal money. He was training to be a District Manager and we were over two and a half hours away from the office. When I knocked on the door I waited and the customer was not home. When I was heading back to the car he threw it out the window and began spraying cologne. I may have been blonde, but I wasn't stupid. I could smell it the second I stepped back into the car. It was only halfway through the day, but I demanded that he take me home. I couldn't stand the thought of him driving a vehicle under the influence. I told him I was going to tell our Boss, and his reply was "it doesn't matter; he'll never believe you." So, I decided he was probably right so I worked out the rest of the day, and when I returned that was my last day as an employee for Combined Insurance. I wasn't risking my life to make some peanuts. And, he was right our Boss never would have believed me. Isn't that sad? The only thing good that ever came out of my work with Combined was my puppy Ginger. Believe it or not we had stopped at a trailer beside the road that was falling apart and was filled to the brim with different animals. I was talking to the wife while my partner was trying to convince her husband that they needed the policy. I was petting her dog, and she asked me if I wanted a puppy. She ran back in the house and brought out this tiny little thing just over 8 weeks old. I didn't get to pick her, but apparently she chose me. I was instantly attached. Thank God it was the end of the day, because my partner probably would have killed me that he had to take care of this dog since I was the one driving. They only asked for a donation to cover the cost of the vaccination. I didn't have any cash and I wanted to do something special. So, I asked if they would accept a check. They happily agreed and my donation was for $100 to the nicest couple I ever met, and the best dog I ever had. She made the two hour trip home laying on my partners lap on top of the "blue book." I have a wonderful Pomeranian-Corgi mix, and surprisingly I have Combined to thank for that; go figure.

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Andre101
, NZ
Apr 17, 2011 7:17 am EDT
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To be successful in the sales industry, you need to treat the job like you own the business. Be prepared to make sacrifices to get your product out there, never say "i cant" because that closes up any possibilities of ever being successful. Don't work for the money, work for the priceless experience. Analise an obstacle, why cant i sell to the people of Texas? If you don't know then ask someone. It could be because they feel like you are too different to them and they can't trust you. Then make them trust you! Study their culture a bit so you can be on their wavelength, then show them what insurance options they have. Let them know that they could get alcohol poisoning from all the moonshine they consume and it could not be long before their liver fails! If you make them feel like you actually care about their financial security then chances are they'll start caring too.
As for your interesting trainer, what she does to close sales is not your business. But if you really wanted to get her for her idiocy, then you should've provided evidence. Its only obvious that she'd deny everything and point the finger at you instead. You should've known that and been more tactful towards the situation.
And if you go to a town thinking of its inhabitants as "deranged inbreeds" then its no wonder why they don't want your product. Better your attitude.

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m.k90
Hull, GB
Mar 29, 2011 11:27 pm EDT
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I worked with combined for a few months and made barley any money but nearly 6 months after leaving the company i have received a letter saying I owe them around £500.00 from my retention account I am sure this is wrong especially as they should of sent that letter after 3 months of leaving the company as you cannot have charge backs from customers after three months but have no proof as i foolishly threw away my retention account letters a long time ago as I thought I was done with the company.

I was just wondering if this had happened to anyone else and if so what did you do?

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Trusting God
, US
Mar 24, 2011 1:08 am EDT

My husband has an interview tomorrow with combined insurance, and after reading some of the comments I don't think it is worth our time. He is very professional and a good person. He is willing to work hard at sales if the benefits are there. He was told that he would receive salary plus commissions, but am questioning this. Any further comments from past employees would be helpful. He wants a professional career with a good company.

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angry ex employee
Fremont, US
Mar 11, 2011 7:53 am EST

Wow. Where do I begin? I will try to keep this short, as most people wont read a really long post...and I want people to hear this. I worked for Combined Insurance for years. I was an agent (high producing), and then a TM. First off, any company that has to teach agent how to sell, how to talk to people, how to "stick to a script" is hiring the wrong people. If you don't know how to sale naturally, you shouldn't be in the business. They expect you to pay for thousands of dollars out of pocket in travel. They hook you with the "salary" but they fail to tell you that a lot of your salary will be held back. They make your statements impossible to read and I still think I got ripped off for years. They will hire anyone, expect TMs to train to proficancy then let people fail so they don't have to pay residuals over time to those agents. They want people to fail! It's cheaper. They hook people with "providing leads" which are nothing more then beat up current clients. I could keep going but my laptop is going to die...do not waste anytime in your career, the way I did!

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Jase193
, GB
Feb 11, 2011 7:03 pm EST

I used to work for them in the early 90s. I agree with the comments on here. The training is good, I was put in a 4 star hotel with all the food provided and the training was simple. I scored 96% on the main exam. However, the job was absolutely crap. Following a days work on a Tuesday they expected me to go to a 'motivational' team meeting and tell everyone the 'Good News' ! WTF is the good news. I got up and walked out and explained I had commitments on evenings outside of the job. It did not go down too well with the management but that was how it was and I refused to go to these meetings that I did not get paid for. They also wanted me to go on an Ardmore over 100 miles from home and expected me to pay for my own accommodation. I did not go to that. To cap it off I went to a re-visit to renew a policy to a male. When I arrived he was in a wheel chair and told me he only bought the original policy to get the 'Stupid Cow' to shut up and leave and asked 'did he look like he needed that kind of insurance'. This was one of similar re-visits. I quit the next day as my conscience did not allow me to pressurise old, infirm, disabled and otherwise vulnerable people out of money they did not have.
The company is a total joke and lacks morals. But, go to the training, have a blast at their expense and quit!

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Combined Queen
Fayetteville, US
Jan 31, 2011 4:27 pm EST

Combined is a great company to work for, I have been with the company for 9 months and have had two promotions. I have strong work ethics and professionalism which is key in a career in sales. Sales is challenging, not everyone can do it and it really comes down to that. In these 9 months I have made 59K, believe me not easy, I can honestly say I worked hard for that money and deserve every penny of it. To the person that commented on Mr. W. Clement stone, that is the philosophy of the company, and really what distinguishes Combined from any other insurance company. Everyone is motivated indifferent ways, mine is being able to provide for my family. So if a person is looking for a "job", this is not the place for you, here at Combined we are looking for individuals that are looking to build a career, the beauty about it, these people weed them out.

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rifcan22
, US
Sep 10, 2010 7:33 pm EDT

Combined Insurance is not a joke or a rip off. Someone mentioned, "Sales is always a tough career. If it was easy everyone would do it." That's the truth. You either can do the job or you can't. After reading some of these posts I'm shocked that you people with obvious negative personalities were even hired into the company. To be in sales, self-motivation is an asset you MUST contain!

Think about it...If you're an agent, you start off working 5 days a week, make a lot of money, then you realize you could literally go golfing/shopping/fishing instead of working & no one would know! Sounds like filling your working days with "fun activities" has a huge potential to become a habit, right? Then you get canned because you're NOT WORKING, so your sales significantly decrease as a result, & a decline in production is definitely giving you a terrible attitude because you're broke! Now you spend your time sitting at home in the dark, unemployed, writing unrealistic complaints that blame everyone but yourself.

The person who said this:--------------------------------------------------> "Its where you sell 5000 dollars of APV your first week in the field. And out of all of that selling I got a wopping 350 bucks after taxes. After being told by my managers that hitting my Gold Pal award would make me about 1500 dollars before taxes. So for the people who think he just needs to grow up, stop whinning and put more into his work. Must not be able to find real jobs and think that Combined is the best thing out there. Or more likely the best thing they can get!" ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Obviously you are a completely unrealistic liar..$5, 000 APV and you were paid only $350, huh? This is a very good example of someone trying to say the job was a joke but really they just couldn't cut it. Is the "real job" you found one in which you do next to nothing, hate going to work each day, & make only enough income to survive because you are lazy? You have to work for your money in sales...

The most beneficial thing about selling insurance is helping people! If you keep that in mind instead of only thinking numbers...the money comes naturally & in large amounts! While some people are writing untrue junk about my company, I'll continue to feel great about how much my job will help policyholders if/when something unexpected happens.

ComplaintsBoard
V
6:13 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Combined Insurance Fraud and scam

Combined Insurance is not the way to go if you want to work in the professional insurance business. They tell you they pay for everything as an employee for the company, this is not the case. You pay back the license fee with your first paycheck and monthly you pay for your bond. They will train you to sell policies as long as you can memorize and regurgitate, there is no thought process here.

As for the selling door-to-door, they tell you there is a partial salary and they will give you as much as you need, but if you are not selling this is not the case. This company is mostly door-to-door sales and the bad thing about it is no one is home during the day except people who can't afford their own bills let alone buy insurance.

This is a waste of time and your own personal money, you pay for your gas, food, etc while you are out of town. When you go out of town on business to have what is called an Ardmore, all people from the region gather to sell policies in a specific city; you have to drive there, pay for all your food, nothing is provided but the hotel room and you are there from Sunday to Saturday night. This is not a way to begin a position by spending a lot of money during a training period where you are not selling a lot. Also for those people who have a professional stature about them this is not the company to work for.

There is also not a $500.00 a week pay for the first two weeks of training either, the first week you have not yet received a license and can't work sometimes it takes longer them a week for the state to issue the license and until then you have no income coming in. It is also the division's responsibility to assign areas for agents to go.

In the beginning you will receive all the leftovers and will drive around all day and not find anyone at home, you pay your gas and make no money. The best assignments are given to the people selling, not to those who are training and need to learn. It is very hard to learn when no one is home all day.

The work days begin with a meeting, not in a office so you spend money eating out. They begin between 8:00 and 9:00 and and will last for a couple of hours, then you go to work; people are home in the evenings so you will be working 12 or more hours each day even though they say they don't what you out after dark, it is still required.

If you want to be in the professional insurance business do not work for Combined, the clientel is lower income, and you will have no life outside of work because of the hours you will have to put in to make money, especially Saturday it is sometimes mandatory, but they have you work M-F and give you the option for Saturday. It would be better to get one day off during the week and always work Saturday because people are home.

I hope this has helped someone.

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dt12
, US
Jan 01, 2019 10:11 pm EST

Funny, I worked for Combined a long, long time ago. Sounds like the company has not improved or adjusted at all. To any young people who read this, unless you are truly blessed with the gift of gab, like Clinton, Obama, or Ronald Reagan, do not waste your time on Combined. You must be money AND people oriented, and you must like constant pressure. The company cares nothing about you, and they will force you to use your own resources. You would do much better to join the military, or even AmeriCorps. Combined is full of angry managers and trainers, people who are disappointed with their own lives.

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Jimmy Witherspoon
, US
Oct 31, 2018 10:08 pm EDT

I gave up my credit card information and I wasn't ready for the payment to be taken, I cancelled now they are not putting it back in time...won't be calling back for services

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gotchamama
, US
Sep 02, 2018 4:19 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Combined Insurance is a waste of money... like car insurance take your money but don't want to pay out. They ask for to much before of your claim trying not to pay. Good luck I cancel my policy, I advise to check around first.

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Mitch627
, US
Aug 15, 2018 4:32 am EDT

They did not want to pay out after i went to hospital for 3 day with kidney stones, they say because i had kidney stones 4 months before i got a claim with them when i clearly didnt! Cancelled my policy and hope other people dont get sucked into this usless f***ing company they are the company that make people not want insurance policies!

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Nazerick Kerrin
, US
Sep 14, 2017 9:35 am EDT

I love these comments! The less agents, the more money for me. I worked for AFLAC for two years and have made five times more money with Combined in 10 weeks than I did with AFLAC in 2 years. I have a $500, 000 life insurance policy that costs me around $30 a month. They pay for all of my hotels and send me out of town about once a month to sell insurance. They give me fifty docket sales leads, which is something I never got at AFLAC. I am averaging about [protected] a week with combined before taxes. Thank you for not working for Combined, but if you do want to work, I can get you an interview. I need to get ten agents by the end of the year. For each one I get from $250-$1000 and a raffle ticket for a 2018 BMW this February. Respond to this comment with your e-mail and phone number.

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Disgust does not describe it
Boise, US
Jan 06, 2012 5:53 pm EST
Verified customer This comment was posted by a verified customer. Learn more

The unethical out number the ethical. Even at the Employee Relations, Human Resources level.

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Doctor Who1
Highspire, US
Jul 21, 2011 2:33 am EDT

I had an appointment for a job today with Combined Insurance today. All I did was ride around with the so called head of the area and talk to people who either lapsed in their so called policies or already had a policy. The guy who I rode around with drove a beat up old Pontiac and worn out clothes. He embarassed a few of the policy holders who lapsed into buying new insurance. I think that Combined Insurance is a scam. I met him at the office which seemed to be a fly-by-night office. I was there at 10 am and no one was at the office. What kind of company is this?

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cutie1212
, US
Jul 02, 2011 4:57 am EDT

Anyone on here who is bad mouthing is just their excuse because they are cannot comprehend that you cannot make free money in this business, or any business for that matter. You must actually work in order to get paid. If your not into working you should go to a job where you can hide behind other workers and not have to show your real worth. Anyone making up excuses against the company are fraud and are mad that their true worth has come out in the open after doing this job. At the end of the day they have nobody else to blame but themselves. The managers are very kind and helpful. The higher ups are very classy and top shelf. They help with your sales unbelievable amounts. Ive even seen them go above and beyond to help people who do not help themselves. The cheers in the morning are a wonderful idea and everyone in the company is happy and motivating with Pma..You people are seriously stupid because Pma is the secret to success not just in combined but in life..Try it.. This is a opportunity of a lifetime, but is only made for strong individuals with drive and passion to succeed. The benefits, bonus, 4o1k, and stock programs are all outstanding. Yhe products are highly rated and competitive. They pay for training, hotels, meals. Yes you pay for your license, but they send you to school for free. Its an awesome deal. They spend 4k on each person they send to school. The least you could do it pay for your license. Then at school they give you money for gas and food. Bosses always pay for lunch, and are very respectful. First 13 of work you are guaranteed 500 a week, as long as you are writing business and the managers help you get to where you should be. First 6 months is demanding but if you make it, hours get better and so does the pay :) You also get reimbursed for lunch and gas and tolls in your taxes... normal jobs do not!. SO anyone who has something bad to say about Combined, either did not work, had a bad attitude, didn't believe in what they do, or was just pure lazy. Have a great day! :)

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Meadows
Edmonton, CA
May 19, 2011 6:48 pm EDT

I have an interview with Combined Insurance in a day from now and I'm kinda freaked out. I see so many bad things written about them, but theres the occasional good comment about them too. I know I get sent to Calgary for 2 weeks of training and they said they would pay for everything including air fare, hotel, food and extra expenses PLUS they said I would get paid 500 a week for those two weeks but... now I'm a little bit nervous seeing so many people say that the company didnt hold to their words... I guess I'll just go to the interview and see for myself

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BaronessLilith
Nyack, US
Apr 03, 2011 10:43 pm EDT

Has anyone reported this cult to the BBB? This is [censor] and they should be brought down.

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