Additional Fees

I have been signed on with them for a month. I have never been treated this badly in my entire life.

They make promises to get you into class and to sign on to them but it is all a big show. They send you to class and put you up in a hotel. Its all free! Well not exactly you have to pay for your own meals.

Then they tell you they give you a training allowance of 400.00 a week. Maybe. They decide after if you qualify and they will find a way to make sure you don't. If you disclose a disability to them they don't care.

There is a large problem with professionalism across the board. They tell you you must be in executive business attire, you will find your sales manager isn't dressed that way. There is no conflict resolution if something happens and you complain. You get told you are negative and if you persist they will fire you.

It's like telling them you don't believe in God. They just turn you right off. If that happens good luck getting any money they owe you. Oh and they tell you that you make 70 percent commission for new face and 30 percent for existing.

That is not exactly true. You get 20 percent taken off for an account that is supposed to handle your charge backs. They also take 12.00 a pay off to put into this account for expenses like business cards and brochures and applications. It's not free.

You will not get a pay until you reach 1000.00 in this account. Also you sign an invoice for all the free training they are giving you. If you don't produce 5000.00 worth of business they can come after you for that. Also your sales leader and district leader get a bonus when you come on.

If you leave they get a charge back and they can come after you for that as well.

They also make a commission off of whatever you sell. My best advice is to not go with them.

Product or Service Mentioned: Combined Insurance Recruitment.

Reason of review: Employment.

Monetary Loss: $800.

Preferred solution: Let the company propose a solution.

I liked: Some of the products.

Company wrote 0 private or public responses to the review from Jun 13, 2017.
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I'm just saying you have it all wrong in your head. They give you 400 a week for training, and 400 a week for your first 3 weeks of work.

That 1000$ account is for business cards and charge backs, but i'd rather have that account than worry about paying back. They put 20% of your commission into it until its at 1000$, then the extra is forwarded to you. Also you get 630% of the monthly premium for the sale, then you get 70% of it for months 10, 11, 12 after, then you get 5% of it for the following couple years. The five grand they make you sign for is nothing, they take it off as you sell.

If i sell a policy that's 100 a month, then the consumer pays 1200 a year right? That's 1200 off that 5000 right there, but i still get all my commission and residual income from it. The 12 dollars is for the hotline which you can use, and you can make calls through.

That makes people be able to call you toll free. Sorry that you had a bad experience, but from the sounds of it you were just looking for easy money, with no sales skills and a bad personality.


If you work for ANY insurance company and leave that company with debt they will come after that debt. Also, ANY insurance company you go to work for, you will have a manager of some sort making a recruiting bonus off of you being hired.

Not just combined. But also, your given this exact opportunity, it is not a one sided concept.

to Anonymous #1359948

Combined Insurance are total liars and a huge scam. They don't pay claims and treat their agents like *** unless they are top Producers.

to Anonymous #1359953

Horrible company to work for. They are total liars.

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