I worked for this Company for a span of over 3 decades and finally reached a decision to leave. I held the positions of a RM, SRM, DM, SM and agent, which would be equivalent to the MD, TL, SSR and account executive positions that they offer today. After I submitted my resignation the phone calls started coming! I was flown all over the country for interviews, people came to me, and this was all done in an effort to persuade me to change my mind. I can tell you that I was one of the highest paid Field Mangers to ever work for the Company and was not someone that was unsuccessful in this business. I made a good income while at Combined but was "brainwashed" (a term I hear being used a lot in other reports) into believing that this small six figure income was good for the insurance industry. Since leaving Combined several years ago, my family has been blessed with me being able to earn well into the six-figures and should exceed a 1/2 million per year in the very near future. If you are wondering if the reports posted here are accurate, in my opinion, I would say they are very accurate and I would recommend that anyone looking at getting into the insurance industry weights all their options. To the individuals trying to defend this company, I would say that I admire your loyalty, but wake up!!! I was a person who also defended the company due to my own self ignorance! I never looked outside of this company for several decades because I actually believed all the crap that I was telling people and what was told to me over the years. There are many good companies out there to work for in the supplemental insurance industry and yes, other companies actually treat you with respect. There are companies that give you vested renewals that you actually get to keep when you leave. When I departed with Combined I had to leave all my residuals there (you don't take them with you) and if you are reading this and are an advocate of Combined, I can tell you that my residuals were most likely more than you make in a year.in my opinion a person should keep their residuals, after all you or your team sold it, so you deserve it. No other company that I know decreases your residuals after 5 years (whats that all about?)!! The good news is my residuals at my new company are fast approaching the six-figure mark again. Conference calls, going out of town, crappy hotels, harassing calls, weekend meetings, working weekends and all the other things I put up with, I actually learned are not normal in the business world. After many years a person begins to think that "this is just the way the business world is"; until you leave and learn different. Since I left, I have enjoyed mornings (I know this sounds weird but no conference calls to wake up to), diners with my family (no conference calls for rally numbers), children's school events, weekends, vacations (yes, I actually go without feeling guilty and believe it or not we actually take 2 weeks at a time) and time with my family. Besides having a life with my family, the best thing is that I actually make a whole lot more income for my family! In closing, whether you are looking at Combined as possible career or if you are a current employee and are starting to "wake-up" after reading this good luck with your decision and in what ever direction life takes you. I would like to thank Combined for giving me the ability to earn a decent income over the years and only blame myself for not leaving sooner. Biggest personal regret? Not leaving sooner! Biggest benefit? Learning how to successfully sell down the street with a great system that Mr. Stone developed. God Bless!!
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