Combined Insurance Co. Kimberly Pigeon Fraud, Pyramid Scheme , Internet

Never ever sign up to work for Combined Insurance. As others have reported-it will bleed you dry. It takes advantage of poor and vulnerable people who are desperately looking for a job. So, what happened to me? I had my resume and information on the Wisconsin Job Center website and a couple of days later I got a call from an older woman named Kimberly Pigeon. She never told me how she got my number or information, she simply said that she found my info online (I presume the job center website) and would like to set up the time for an interview session. She said that she worked for Combined Insurance and tried to set up a meeting the next day at Brookfield Suite Hotel in Brookfield, WI. I thought this was strange because I expected to go to an insurance office for an interview but I figured that perhaps this was a large conference with a number of applicants or something. Well, I couldn't make it on that day but was able to make it for a private interview session on this Friday (Today) instead of Wednesday. It was strange scheduling the interview because she said that she would text me the morning of the interview to see if it would be scheduled or not. Apparently she was debating whether or not to go to work based on snow coming? I thought this was strange that she felt that she could just randomly decide whether to show up for work based on "how the weather looks in the morning". Sure enough, around 6am she texted me saying that we would meet at the same hotel that morning.

When i showed up she was on the phone. She instructed me to follow her to the cafeteria area for the interview. Combined Insurance didn't even have an office! She also asked for my resume because she "didn't have it". This is sooo not legit. She barely even looked at my resume. She might as well have just crumpled it up and threw it away. Why? Because its a pyramid scheme type deal, she wants as many employees as possible to make more money. She doesn't care about you or your experience or what you have to offer the company! She said she worked out of her car and that you go door to door and randomly go up to businesses to sell them insurance. It sounded very much like a pyramid scheme. She showed me a slideshow about the company. It's been around since 1922 and i've never heard of it? She said that they had an A RATED COMPANY ACCORDING TO THE (BBB). An A rating is not very good-just to let you know-but she tried to sell it off as a good thing.

According to the slideshow, the company has a gross income of $78 billion and has about $19 billion in assets on hand. This means that their company is OVER-LEVERAGED AT ABOUT 4 TO 1. Which means for every dollar they have, they are investing or something with 4 dollars and don't have enough money to cover their losses if something like the stock market crash happens again. She said you are required to sign up 5 people per week based on supposedly good leads while going business to business or door to door. Apparently for 5 application/ week for a whole year you make $40,000, for 7 you get $60,000, and for 9 apps you get $100,000. She said that she was a TERRITORY MANAGER and makes a commission off of the members/employees who work under her.

In the end, she got uncomfortable about my questions. She said that in order to get a license I have to pay $300's out of my own pocket. Sure, sure, she says the company subsidizes about $50.00's of that but i don't believe her. Plus, the company has $78 billion and can't pay for their own employees to get training and a license? Apparently when you start you get a stipend for the first 26 weeks-but she refused to tell me how much the stipend actually is. No-everything is shady and I would have to show up for some kind of "job shadow day" in order to get information related to salary details. I think she was just trying to boost her numbers and manipulate me into going on the shadow day. She was very nervous about me because i actually looked like a professional. I said no to her and even then she was trying to desperately get me to work for them. She said something like "what's your ideal job?" to try to find something to work with. Then, when she couldn't get me she gave me her card and recommended that I send any of my interested friends to work for her. Red Flag! She will take ANYBODY- its  a pyramid scheme for her to get more $ and do less work! 

All I gotta say is that you should read the other reports. They are most likely accurate. Don't get sucked into working for this pyramid scheme and don't believe their shady promises. Chances are if they are desperately trying to sell you the job and aren't asking about you and your experience for the job-they are probably a shady company. Here's what i've learned over the years. They might be a shady company if:

-They mysteriously call you out of the blue about a job
-They try to brainwash you about the company and don't care about your experience
-They conceal information about salary, etc. in order to blackmail you into a job shadow day
-They take advantage of the most vulnerable ppl who need a job