Combined Insurance
About Us
Combined Insurance
As a member of the ACE Group of Companies, Combined Insurance offers products in North America, Europe and Asia Pacific. We take pride in providing supplemental insurance plans that are clearly written and easy to understand so you can be sure you are getting the right coverage. Read more about our history
Mission
Combined Insurance wants you and your family to be protected
Our mission is to provide personal service and exceptional products tailored to help protect you and your family. The world of insurance can be confusing. Combined Insurance is here to help you navigate through it by working with you to identify your specific needs, then offering coverage options to help meet those needs.
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Values
Combined Insurance founder W. Clement Stone had the desire to "make the world a better place for this and future generations." By placing our focus on your needs, we believe we help make the world a better place, one person at a time.
Our values dictate the way we do business. As a company, Combined Insurance is:
- Customer-centric - making insurance clear and easy for you and meeting your needs is our number one objective
- People-driven - differentiating ourselves through the skills and service of our people
- Accountable and ethical - taking responsibility and doing the right thing because it is the right thing to do
- Performance-minded - always working to improve your experience and our people's satisfaction
The Benefits of Joining Combined Insurance
Excellent Earning Potential
- Training completion bonus, limited guaranteed income for the first seven weeks in-field and new agent bonuses in the first 13 weeks for agents who meet
specific production standards
- Monthly bonuses, eligibility based on sales performance
- Residual income
- Incentives and awards
- Commission-based compensation
Comprehensive Benefits
Some benefits begin day one, while eligibility to participate in others is earned.
As employees, rather than independent contractors, our agents immediately receive:
- Weekly payment of commissions (direct deposit available)
- Tax withholding and Social Security benefit contributions
- Errors & Omissions insurance coverage
- Workers’ compensation coverage
- Accidental Death and Dismemberment insurance
- Access to the company-sponsored 401(k) plan
In six months:
- Eligible for medical insurance (with pre-tax premium deductions)
- Employee stock discount purchase plan
In one year employees are eligible for:
- Dental insurance
- Life insurance
- Disability income protection
- A 50% company match of the first 6% of your income contribution to the 401(k) plan
- Healthcare and dependent care
Effective Sales Support
Our agents’ success is our company’s success, so we support their sales efforts with training, leads and sales materials.
Training
Comprehensive classroom training
A career with Combined Insurance begins with thorough classroom instruction, which includes product training and instruction on our proven selling system.
Ongoing training in the field
All of our agents are introduced into the field through personalized training with management over the first several weeks depending on the level of need and previous sales experience.
Leads
In an effort to enhance our agents' success in making sales, leads from our current customer database along with marketing leads are provided on a monthly basis.
Sales Materials
All of our agents are provided with sales materials so they can easily and effectively explain the benefits of our products to prospects.
Job Description
An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sales and customer service is helpful. Experienced and licensed insurance agents are highly encouraged to apply.
Responsibilities:
- Conduct needs-based, consultative sales presentations to a wide range of individuals and independent business people
- Utilize marketing tools and resources to generate new business
- Secure referrals and set appointments to present to prospective customers
- Deliver excellent customer service to existing policyholders and prospective customers alike
- Develop and maintain a professional presence in the communities in which you work
While no specific experience selling insurance is necessary, prior exposure to commissioned sales, customer service and marketing experience can be helpful. Our training program will give you most of the tools and knowledge to help you succeed.
- Two years of work experience required; commissioned sales and customers service experience in real estate, auto sales and/or as a self-employed insurance agent is preferred
- Your respective state’s license to sell accident, health and life insurance, or a willingness to obtain proper licensing
- Strong interpersonal communication skills
- An outgoing, positive person who enjoys building relationships
- Driven, disciplined, resilient, achievement-focused, coachable professional
- Basic computer skills, including knowledge of Microsoft Windows, a plus
- A valid driver’s license, reliable transportation with liability and property insurance coverage on the vehicle
- High school diploma or GED equivalent is required, college-level education is a plus
- Bilingual English/Spanish preferred (Included in appropriate geographies)
We Offer a Fantastic Benefits and Compensation Package
- Competitive commission-based compensation with virtually unlimited income potential (1st year agents can earn up to $40K-$50K or more)
- Guaranteed income program for up to your first 26 weeks in the field – as long as certain production requirements are met, and an extensive expense-paid training process.
- Medical, dental, vision, life insurance and disability benefits when qualified
- 401(k) retirement savings plan with company matching and stock purchase plan
- Some prospective customer leads provided at no cost
- Ongoing sales, marketing and customer service training and development
As in most sales positions, success is up to you. If you are driven, passionate and goal-oriented, our program is designed with you in mind. But don’t take our word for it.
What do our Insurance Sales Representatives have to say?
“Combined Insurance is the best thing that’s ever happened to me!"
“I love all the different people at Combined Insurance – so goal-oriented and positive."
“We’ve got the best training in (and outside) the industry."
“You set your own hours and write your own paycheck. The freedom’s great."
Combined Insurance – Let’s make this easy
Apply today!
Combined Insurance Locations
Please use our interactive map to find the contact information of a recruiter in your state.
MN, WI, IL, FL, GA, SC, AR, LA, AL and MS
Sarah Schaefer
Sarah.Schaefer@combined.com
IA, MO, KS, CO, OK, NM, TX, MD, PA, DE, DC and WV
Jeff Romanek
Jeffrey.Romanek@ACEGroup.com
AZ, CA, NV and HI
Hayli Cavallaro
Hayli.Cavallaro@acegroup.com
CT, MA, ME, NH, VT and RI
Anne Adler
Anne.Adler@combined.com
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NY and NJ
Melissa Harbach
Melissa.Harbach@combined.com
ID, MT, OR, WA, WY, ND, SD, NE, UT, IN, MI and KY
Roxanne Byrd
Roxanne.Byrd@combined.com
NC, VA, TN, OH and Medicare Supplement
Gema Fuller
Gema.Fuller@ACEGroup.com
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