• Report: #102895

Complaint Review: Combined Life Insurance Company Of New York Aka CLICNY

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  • Submitted: Mon, August 09, 2004
  • Updated: Mon, March 22, 2010

  • Reported By:Endicott New York
Combined Life Insurance Company Of New York Aka CLICNY
11 British American Blvd Latham, New York U.S.A.

Combined Life Insurance Company Of New York Aka CLICNY Former CLICNY Employee speaks out ripoff Triple Cities New York

*UPDATE EX-employee responds: Combined........avoid

*UPDATE EX-employee responds: awful, and the grammar....

*Consumer Comment: Tracy

*UPDATE EX-employee responds: Combine is a great company too work for

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I have been reading through these reports and I want everyone to know that things are exactly the same here in NY. Though we are part of Combined Insurance Company of America, NYS law says we must be incorporated as a seperate entity. Anyway.....

I applied for the job after answering a very VERY vague ad in the newspaper. I wasn't told what the job consisted of on the phone, nor when I filled out the application in a hotel lobby. I was taken to a conference room where questions were asked of me. Glass half-full or half-empty types.

After the questions my head was swelled with promises of large paychecks, quick promotions, prestige and the ever popular "ring of diamonds". I still did not know what exactly the job was. But I was excited now! The flurry of the next 2 hours was insane. I was "selected" to go on a field demo where if things "clicked" I would be offered a position. As it turns out the only click there has to be is me saying yes.

Without the time to give it a second thought I was sent to sales training in Latham (within 2 days of the interview) and had my head filled with more glory stories. At the end of it all I was set to go out and make the big bucks.

Then came the next 6 months.

No pay for training. A week to wait for my insurance licence - no pay. And then finally time out in the field -- where I had to split whatever income with the manager of the day. WHEN THERE WAS A MANAGER!!!! 13 weeks of field training: Week 1: all week with a manager - never happened. Weeks 2 - 7: 2 days a week with a manager - nope. 7 - 13: 1 day per week with a manager - I was lucky if I got a phone call.

I blindly stuck with it, everytime I mentioned leaving the company my manager would take me out and show me a "good" day. I saw the high pressure. The push for a sale. Lies and deciet. "Can you do this?" I thought I could. Then I couldn't sleep. I came across renewals that didn't understand English let alone the policies. But as I was taught: Take the money and run.

I finally decided that it was not for me. After my manager told me that I was a disappointment and an embarrassment to the company. All because I didn't earn my first award. Whatever.

It's over now. I know this was long, but if you're considering a job with Combined - DON'T DO IT! The money you earn goes right into your gas tank and the money all trickles uphill. You do the foot work and the managers get rich.

Be well.

James
Endicott, New York
U.S.A.

This report was posted on Ripoff Report on 08/09/2004 09:54 PM and is a permanent record located here: http://www.ripoffreport.com/r/Combined-Life-Insurance-Company-Of-New-York-Aka-CLICNY/Latham-New-York/Combined-Life-Insurance-Company-Of-New-York-Aka-CLICNY-Former-CLICNY-Employee-speaks-out-r-102895. 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.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

Combined........avoid

AUTHOR: japs - (United States of America)

I am a former DM of this pathetic company. I went through the brainwashing school, but fortunately came out and made some decent bucks selling the crap accident policies. You were forced to tell this stupid joke to all the suckers that bought the policy.  I didnt care really.  We all need to make money, and if people want to throw away money after hearing a sales rep tell them they will collect cash money even if "their feelings are hurt", then ill take their money. Thats the crap u learn in school.In management, you have to split your money earned with the new victims that get suckered into working for the company. Screw that crap. Give my money to some moron that has a work ethic of a pea?  no way.  Eventually, i got tired of marching down the street walking into businesses and trying to sell these policies. Got tired of all the micro managing with sales meetings, numerous conference calls, sales ardmores, check ins, rah rah crap.  W Clement Stone shit, birthday week nonsense, I feel happy healthy and terrific chants every damn morning. Singing. Christ, a cult of Epic proportions.  I won the Ring of Diamonds, but they wanted me to pay for it.  Screw you. You  can make money here if you can take rejection after rejection, and do it on your own as you have NO SUPPORT. But honestly people, the turnover rate here is probably 80 percent or more. Basically, bust your rump, get brainwashed, pay for everything, no support.  but if you have a work ethic like me, youll do OK, but youll have to put up with all the crap.  If i hear W Clement Stones name again, Ill committ suicide.

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#2 UPDATE EX-employee responds

awful, and the grammar....

AUTHOR: Sephykin14 - (U.S.A.)

Oh Absolutely True this company was a nightmare to work for. I have come from a long line of sales experience and the tactics this company trains its employees to use are archaic, dishonest, and incredibly outdated. New hires are promised a certain level of pay during their learning period, and are not provided with the ample training they need and are, in fact, promised when they sign on for the program.

Then should you DARE to step down because you have decided this isn't for you, or you are not making enough to pay the bills you are harassed for weeks, I have been away from the company for over a year now and I still get phonecalls of them trying to set up an interview with me,

prospective employees beware the Combined cult!!!


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#3 Consumer Comment

Tracy

AUTHOR: Andromeda - (U.S.A.)

Tracy
Schenectady, New York
U.S.A.

You seem to have a spelling and grammar style more suited to a 'chat room', and not for working at an insurance company. Now I don't think I will be considering Combined Insurance Company for any reason.
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#4 UPDATE EX-employee responds

Combine is a great company too work for

AUTHOR: Tracy - (U.S.A.)

i work for Combine Insurance on 2 seperate occassions and i must say they are a fair company... what u didnt like about the company is that u couldnt sell so u put down the company... the company promotes by merit..not senority... which attracted me too the company... i left the company for personal reasons but combine was the best company i ever work for besides serving my country in the US Army... i got management in 3 months... and started making great money.. my 1st week in the business when i was out of my own... thats week #2... i made over 1000 bucks... not bad... yes there is traveling... yes u work nights... but also u write your own paycheck...i will be going back too Combine now that my company close its doors.... so... yes the training is no pay... and yes u pay for your licensing.. but once u make manager and get agents under you.... you can make some serious money... so stop complaining cause u couldnt do the job .. I bet your PMA was at an all time low cause u cant sell... and im for one will be back w/Combine by the end of the year... thankyou

Tracy

Schenectady, NY
Gloversville, NY
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