Combined Agents
- Thread starter ch1
- Start date
- 11,995
Agreed. They used to have a pretty robust training program though. They've gone through a lot of changes, I'm not sure how good it is now, but the training alone used to be worth it.
- 11,277
Left Combined a few months ago. I simply lost my motivation for their product line.
No term life insurance, only whole life - up to $100k. Not good enough for decent planning. The only thing I could convince myself of selling it is to have a permanent version of a group life insurance plan of around $25,000.
Disability insurance has ridiculously low limits. If you're an employee earning between $20k to $70k, you qualify for a $500/month benefit... and THEN it is reduced by up to 60% if you also receive state benefits. (This may be a California only thing.)
My favorite plans were their accident policy (no underwriting and plenty of ways it can pay out) and their critical illness policy. That's 2 out of 7 products that I liked. The writing was on the wall for me and I needed to go somewhere where I could love and sell the majority of a company's products.
Many agents (outside of California) sell the Accident & Sickness policy very well - as a quasi-health insurance plan. It's not health insurance, but it covers a lot for a decent rate compared to health insurance.
In California, for 1/2 of the products, the prospect must have a comprehensive health insurance plan in place before they can buy them: cancer plan, Accident & Sickness plan & critical illness. Not everyone has health insurance. From what I hear, this is not a hindrance outside of California. (Probably had too many agents doing abusive sales techniques that required such changes.)
The other 1/2 of the products (life, disability & accident only), well, I already outlined the problems above - at least for California.
Training was decent enough if you want to learn cold-calling & cold-canvassing techniques. Plenty of orphan policy holders to call on.
If you really are in Georgia, and want the training of cold-calling and cold-canvassing... I think you should take a good look. It won't make you rich, but you can probably do well.
No term life insurance, only whole life - up to $100k. Not good enough for decent planning. The only thing I could convince myself of selling it is to have a permanent version of a group life insurance plan of around $25,000.
Disability insurance has ridiculously low limits. If you're an employee earning between $20k to $70k, you qualify for a $500/month benefit... and THEN it is reduced by up to 60% if you also receive state benefits. (This may be a California only thing.)
My favorite plans were their accident policy (no underwriting and plenty of ways it can pay out) and their critical illness policy. That's 2 out of 7 products that I liked. The writing was on the wall for me and I needed to go somewhere where I could love and sell the majority of a company's products.
Many agents (outside of California) sell the Accident & Sickness policy very well - as a quasi-health insurance plan. It's not health insurance, but it covers a lot for a decent rate compared to health insurance.
In California, for 1/2 of the products, the prospect must have a comprehensive health insurance plan in place before they can buy them: cancer plan, Accident & Sickness plan & critical illness. Not everyone has health insurance. From what I hear, this is not a hindrance outside of California. (Probably had too many agents doing abusive sales techniques that required such changes.)
The other 1/2 of the products (life, disability & accident only), well, I already outlined the problems above - at least for California.
Training was decent enough if you want to learn cold-calling & cold-canvassing techniques. Plenty of orphan policy holders to call on.
If you really are in Georgia, and want the training of cold-calling and cold-canvassing... I think you should take a good look. It won't make you rich, but you can probably do well.
- 260
One of my close friends works with them now. She likes the accident and sickness plan sells it pretty well(Easiest to sell). She has been with them a couple months now and doing well. I think it can be a starting point for some agents, or if you lack motivation and organization.
- 1,162
I got my start with Combined, but left very quickly as soon as I realized I had been misled about some things.
The in-house licensing training was good. The other training I actually found to be somewhat outdated, especially in retrospect. That was 10 years ago, (back when AON owned them) so I don't know whether or not it's been tweaked since then.
DHK, did you forget about PMA? Lost your enthusiasm did you? To be enthusiastic, act enthusiastic! Healthy Happy TERRIFIC!
The in-house licensing training was good. The other training I actually found to be somewhat outdated, especially in retrospect. That was 10 years ago, (back when AON owned them) so I don't know whether or not it's been tweaked since then.
DHK, did you forget about PMA? Lost your enthusiasm did you? To be enthusiastic, act enthusiastic! Healthy Happy TERRIFIC!
Last edited:
- 11,277
My PMA had chronic PMS.
- 428
Run Forest Run!!!!!!!!!!
You mean they want more from you that's worth your time?
- 125
i used to work for them about 5 years back. Good training especially since i was brand new, only stayed for a 8 months, better world on the independent side in my opinion.
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