- Report: #308457
Complaint Review: Combined Insurance
Related Reports
Featured Ripoff Reports
Ripoff Reports
Ripoff Report on CBS 19
Ripoff Report on CBS 19 - Global Marketing Alliance
Ripoff Report on ABC 15 - Smart Shopper
Ripoff Report - Girls Gone Wild
Ripoff Report on Fox 11 - Car Repair
Special Features
-
Doctored Reviews is designed to help patients, doctors, and websites understand the problems created by Medical Justice, a company trying to restrict online patient reviews, and to offer some ways that let patients freely talk about their healthcare experiences. -
The government should serve voters, not corporate special interests. Public Citizen works to empower ordinary citizens, reduce the influence of big corporations on government, open the government to public scrutiny, and hold public officials accountable for their misdeeds. -
WHAT YOU NEED TO KNOW ABOUT THE BBB: NOT a government agency as listed in your local phone book. Instead the BBB is a private non-profit / franchise operation. 20/20 exposes the BBB, Hamas Terror Group Gets 'A' Rating - BBB is running a "pay for play" scheme.
| Combined Insurance Multiple Branches
Edmonton, Alberta Canada |
|
Combined Insurance Fraud Interview Scam Interview under false pretences, false promises, fake branch office Edmonton Alberta
*UPDATE Employee: UnProfessional
*UPDATE EX-employee responds: whatever theo
*UPDATE Employee: Combined is not a scam...Lazy people won't make money anywhere...
*Consumer Suggestion: Same thing for me
*UPDATE Employee: A satisfied manager of 17 years with Combined Insurance.
*UPDATE Employee: Positive experience and earned good money
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
Some odd things:
1. You never applied for this position.
2. Your credentials/expirience have nothing to do with this position.
3. The title of the job is something like "manager trainee" even if you have no management expirience, OR insurance industry expirience
4. The request came in an e-mail, stating they saw your resume on a job website and this request seems somewhat scripted.
5. They make very broad salary promises right off the bat in the e-mail but do not describe the job in any detail.
So you reply to the e-mail, because...someone just offered you an interview! yay! At this point you get a reply very quickly inviting you to an interview in some Instant Office type building where people can come in, rent offices and leave.
Well, this happened to me. Fortunately I did my research before I went further. If this happens to you, here's what you can expect if you schedule an interview:
You will arrive at a makeshift office and be presented with a general guarantee to make money by selling insurance. Don't get me wrong, this insurance company is real...just its premise isnt. You will be put under huge pressure to accept the job right away. You will arrive at the training to discover they take anyone, even high school dropouts. You will then discover that you must do the training unpaid, then only work for commission....and this 30-50 grand?....you get that after 6 months IF you make a certain amount of commission. Which is nearly impossible to make.
Then, as you're working, wasting time and money driving around selling insurance, getting doors slammed in your face and getting frustsrated you get the best part. You discover your interviewer and his office have dissapeared. and instead of being a manager trainee for the "your-city branch" ...you ARE the branch. And you have 6 months and $350/week commission pay to show for it. Meanwhile you have sold insurance accounts to all your friends to this ridiculous company.
Congratulations! you are a combined insurance sucker! err...salesman!
Anonymous
Edmonton, Alberta
Canada
This report was posted on Ripoff Report on 02/12/2008 09:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/Combined-Insurance/Edmonton-Alberta/Combined-Insurance-Fraud-Interview-Scam-Interview-under-false-pretences-false-promises-f-308457. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on Combined Insurance
If you would like to see more Rip-off Reports on this company/individual, search here:
Search Tips#1 UPDATE Employee
UnProfessional
AUTHOR: agentMD - (United States of America)
SUBMITTED: Saturday, July 31, 2010
#2 UPDATE EX-employee responds
whatever theo
AUTHOR: mjcanman - (Canada)
SUBMITTED: Thursday, December 24, 2009
You are a first class loser Theo and your statements symbolize this whole pathetic company. I worked for CI for close to 1 year back in 1992 in Saskatchewan. I was 20, young and naive. Our DM was a liar a thief and he was unsavoury to the core. On several occassions I remember him going around the room and spending 2-3 minutes yelling at each agent. CI preaches PMA, but yet they all of their techniques are negative can you explain that to me? On several occassions I saw DM's and RM's show us the "pushing past someone as you shake their hand", to gain access into their home. As your lawyer would know assault, legally is "any unwanted touching". Might want to review that technique with your lawyer.
Reptuable companies pay your expenses. You have been with CI for close to 20 years, and by your own statements you make over 100k. Yet CI still does not pay your expenses? Whatever BS claim any of you CI disciples want to "claim" you make deduct at least 60%. Good companies pay your expenses and provide company cars.
Nothing ever changes with CI lol!!! Still paying 14% comissions really a great way to build PMA!! You would think they might try computers instead of those out-dated flipcharts. The only way CI exists is because they prey on the elderly and people in rural areas. Please have a CI lawyer contact me!!! I really wish some agent comes to my door lol. They would not even have to push past me lol. I would spend at least and hour listening to the whole presentation. Then I would like a chance for a brief rebuttal. I would explain to them how much more enjoyable life is when you work 5-6 hours, love your job, have benefits and a pension.... To do that you have to work for a company that values people. Everything about CI is a joke and I am sorry that you have wasted your life working for such a disreputable company.
Wait I live in a large city so I would never see a combined agemt, because they are too busy pushing past some 85 year old woman, in some God-forsaken town, pressuring her into buying a policy.
#3 UPDATE Employee
Combined is not a scam...Lazy people won't make money anywhere...
AUTHOR: Clough41 - (U.S.A.)
SUBMITTED: Wednesday, June 24, 2009
They give you 80% of your work in existing customer leads... you must call them to set appointments but most are eager to see you...
You are as in all sales responsible for creating new business however don't let them catch you selling to family or friends because it is not tolerated as a company policy...
Lazy people will not make money where ever they go...
This company is almost 100 years old and the founder has been friends with Presidents of this country...if it were a scam I doubt this would be fact... Look up the founder... W. Clemmet Stone... make your own choice...
#4 Consumer Suggestion
Same thing for me
AUTHOR: Shaun - (Canada)
SUBMITTED: Monday, December 15, 2008
#5 UPDATE Employee
A satisfied manager of 17 years with Combined Insurance.
AUTHOR: Theo - (Canada)
SUBMITTED: Monday, November 24, 2008
When I immigrated from England to Canada in 1991, I answered an ad for Combined Insurance and before joining the company I went for an 8 hour demonstration where it was made clear that in order to sell the insurance i would have to Cold call, in other words door-to door!!...but considering I didn't have to telemarket the product I liked this approach as it was more personable.
As for commission sales, I would like to inform all the disgruntled ex-employees who were probably still in their nappies, welcome to the real world!!!
All insurance companies in Canada sponsor you as an independent employee, in other words you are self-employed!!!
As for the travelling as one Brad mentioned when he was hired in Northern Ontario, Canada...yes Canada is a vast country and in Canada if you are hired you will be travelling, sometimes 12 weeks or more away from your bed....if you don't like travelling move to England where it is the fifth the size of the province of Quebec...stop the whining.
As for the products that Combined Insurance, whereas can you buy an insurance policy that covers any accident from as little as $8.00 a month; and as for claims Combined Insurance is one of the fairest and quickest company to return a cheque to a customer for a legitimate claim.
As I said earlier I have been a loyal employee of Combined Insurance for nearly 18 years and if you work hard, and yes long hours you will be rewarded financially and easily you can earn unlimited income in the 6 figures within 2 years if you get your thumb out of the ass, set goals, and if you have a problem with our system try look in the mirror first before expressing your thoughts on print and again like i said before as Combined Insurance is regulated by the "Financial Services Commission of Ontario" be careful you don't get a "knock on the door" by our lawyers!!!
#6 UPDATE Employee
Positive experience and earned good money
AUTHOR: Sales Professional - (Canada)
SUBMITTED: Tuesday, July 29, 2008
Is this job for everyone...NO. Was it for you, obviously not but you are probably not suited for sales either. You may have thought you had the right personality for it but obviously not. How can someone else put pressure on you to accept a job? Either you want a job or you don't. As for the office moving locations it has been in the same location for almost 2 years. Time to get your facts straight.
It sounds as though you worked for the company by the statements that you make. It is hard to tell because you also said "Fortunately I did my research before I went further". How can you make an educated statement about how much you earn if you "didn't go further". If you didn't work for the company then stop making statements you cannot back up. If you did, then why not admit it. Just because you are not a good salesperson doesn't mean the company lied.
Too many discrepancies to be reliable. It sounds like you are bitter because you were not a capable as you thought you were.
I work hard, I do make a good living and I enjoy what I do and no one lied about the job to me.
