Combined insurance company

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Jul 8, 2005 3:45 pm

Has anyone heard of this companies program?  I am considering a position with them and would like to know if anyone out there has worked with them and if so, how it went.  Thanks

Jul 8, 2005 3:46 pm

Oh the company is combined insurance

Jul 8, 2005 7:43 pm
vict447412:

Oh the company is combined insurance


What division? They have more than one, and there are substantial differences.

Jul 8, 2005 8:03 pm

I am looking as a a sales agent, for the senior market.  and thanks

Jul 8, 2005 9:09 pm
vict447412:

I am looking as a a sales agent, for the senior market.  and thanks


Your experience will depend greatly upon who your manager is. Some are clearly better than others.


Like any other new agent opportunity, if they pair you up with a manager that knows how to sell, and can show you On The Job what you need to do, AND you are coachable, then you can do very well.


I know one here in my home town. He placed over $800,000 of med sup premium his first year, and he was selling level premium products, which are much more expensive than the annual increasing premium products that most companies sell (in the early years). What this means to you is that he had to sell benefits, not price, and that's the difference between success or failure. A monkey can sell on price, but it takes a catalytic agent to get people to pony up extra money for a level premium health product. That's salesmanship.


My friend has since segued into life, LTC and annuity, with proportionate results.


He did well, with zero sales experience, because he did what his manager told him to do. To put things in perspective, his prospecting activity expectation dictated by his manager was about 10 times that of the typical New York Life or Northwestern Mutual agent is expected to do. That's why he earns more than 95% of the agents with those companies, and he does it with a company others scoff at.


When I was new in the business, way back when, we used to joke about Combined agents (although never as much as we joked about ALW/PFS). I have a few decades under my belt now, and I'm friendly with a few of their agents, and I have a new found appreciation for their work ethic.


Their markets are rank and file Americans. There's nothing wrong with this, because as John Savage said, "Serve the masses, eat with the classes."


Probably the best benefit one can derive from a stint at a place like Combined is that you'll have to learn how to really work, or you'll wash out fast. If you learn how to work, and you're successful with Combined, then you can take that experience with you just about anywhere, because those skills you develope will be transferable.


Just remember Rule #1 -- Begin with the end in mind.