• Report: #435110
Complaint Review:

Combined Insurance Virginia

  • Submitted: Tue, March 17, 2009
  • Updated: Tue, July 24, 2012

  • Reported By:Lynchburg Virginia
Combined Insurance Virginia
combinedinsurance.com Nationwide U.S.A.

Combined Insurance Virginia PMA turns to PMS, No longer a W.C. Stone Co., Now just a Rip-Off Raleigh Nationwide

*UPDATE EX-employee responds: combined insurance

*UPDATE EX-employee responds: I totally agree

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Let me tell you a story about a man named Jed... Poor ole boy just trying to keep his family fed... Combined Insurance is NOT the way to do it. If you ever have the opportunity to work for them DON'T DO IT! You will be dazzled by the Bull... and led into the "Rainbow" vacuum selling and "Cutco" knife selling version of the supplemental insurance industry.

First you will go through an "extensive" interview process by a "Marketing Director" (newname for a CON artist). After you "pass" the interviews and get "hired" you will be sent to Raleigh NC for training. You are kept prisoner in your hotel (they do pay for that - but you must leave a CC deposit for your phone to work). You will be given $11/day per diem for food (try an eat in Raleigh for $11/day), which may or may not be given to you when you need it... I was one of the "last" classes that the "company" put through licensing training. Now they want you come with your Life, Health and Annuities license.

At least they did provide the mechanism for me to get my licenses. Next they put you through "sales school". This equates to Communist "Re-education" training, or maybe close to Hari Krishna Cult training. They keep you sleep deprived, still keep you prisoner in the hotel, threaten you with being fired instantly with the consumption of alcohol, or "fratenizing" with any classmate of the opposite sex. The only thing that is missing is the diet of high fructose corn syrup enriched strawberry pies... You are taught to "memorize" the scripts of the "Success System" that W. C. Stone used back in the 1920's and 30's... I even ran into a person who worked as an agent for Combined 30 years ago, and they were using (and selling) the same material. That an a combination of "high pressure" assumptive selling (which is verboten by Combined's parent company insurance giant ACE Ltd. of America).

Bottom line is, you come away from training thinking you can sell ice cream to eskimos (or Inuit for the more PC). What you are selling is basically Industrial Insurance... cheap policies (philosphy is something is better than nothing), to poor folk who CAN use them, however most lack the understanding of how to use them. As well you will be picking up premium (back to the industrial policy days) after dark in neighborhoods even the crack dealers won't come out in...

Combined is implementing an "New and Improved" series of products. More upscale than the Accident, Sickness, Disability and Cancer policies. Now they are pushing a Whole life, combo accident/sickness, advanced income protector, etc. The problem is the sales on concentrated on the same demographics... existing customers who are over-covered, over-sold, and who really shouldn't have the stuff anyway. At least now they are "supposedly" going through actual underwriting and the MIB. Which means most of the "cards" for your assignments will be no good. Your "clients" are overweight, diabetic, high blood pressure, heart conditions, etc. who will never make it through "most" reputible underwriters.

You will still go through the "field training" joke... 2 days with your AE/TM or whomever you have as a MGR, then your on your own. But, you're not making your own commission. Anything you write gets turned into your manager, and depending what kind of week they have can put his signature and agent code above yours and Voila... They get 50% of your commision as "field training". The bull of do what is expected of you and your guaranteed $500/wk is a joke... Even if you do all and more of what is expected of you, you will not receive your awards... or anything else you are told or promised. It is only a matter of time before someone reports them to the State Commission. Let's see in the 6 or 8 weeks I was with the company I saw; kickbacks, policy switching, diliberate misrepresentation, back dating, cold decking, over coverage... just to name a few violations of VA insurance codes. Of course this all takes place on the lower end manager levels, but Corporate could easily pick it up by checking the database on client coverages. Maybe ACE will straighten things out, but I highly doubt it.

You are better off going retail or the food service industry, there is nothing good about Combined as an employer! If you do decide to be stupid, and try to make your first million with Combined Insurance- PRODUCER BEWARE!

I agree with everything another writer indicated about Charlie Woolf and Josh Couch.... And they are way up on the food chain now! I don't know anything about the new Marketing Manager for Open VA, but most likely he'll be another pro Con Artist! Problem is, you have to go through the Territory Managers first. Both that I dealt with are as crooked as an "S" hook...

When W. Clement Stone founded Combined, I'm sure it was as intended. I bet the late Mr. Stone has turned over in his grave 100 times...

I got out before I had nothing
Lynchburg, Virginia

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This report was posted on Ripoff Report on 03/17/2009 01:01 PM and is a permanent record located here: http://www.ripoffreport.com/reports/combined-insurance-virginia/nationwide/combined-insurance-virginia-pma-turns-to-pms-no-longer-a-wc-stone-co-now-just-a-rip-o-435110. 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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#1 UPDATE EX-employee responds

combined insurance

AUTHOR: fish - ()

Okay I have to say many of the comments I read about CICA are not totally true. I worked for this company in Canada for a total of 13 yrs and bow I am in the Life Ibs industry. I find it quite funny how it is portrayed. 

Combined does go through slot of agents and it is hard to succeed. However I have to say that in the time I was there I made a good living and achieved 2 GD awards, basically their top sales awards and I did it honestly and ethically. I was a District MGR and trained a team at one time of 8 salespeople w one who is currently still with the organization and I to her 17th year making a 6 figure income.

I had the opportunity to see W Clement Stone speak as well as Richard Raven and Peter Cherian and Pat Ryan. I have seen comments about CICA being sold every couple of years, that is incorrect. CICA was sold by AON back in 07 or 08. Prior to that they were owned by AON since 81 or 82. CICA was a cash cow for AON until direction of the company changed and was taken over/bought by ACE.


There distribution model does well in small communities but not so well in this day and age in big city areas. Their products are good but pay short term and the older type of policies which required overnight hospital confinement no longer work in this day and age w the shorter hospital stays.they have introduced fracture benefit policies, cancer aid policies and Critical illness which I sold for a 5 year period. The policies have been modified from the time they were introduced because they were too good for the consumer. I own this product and it is permanently paid up. I have seen claims paid on this product from past clients and I have seen thousands paid out on their disability products. Unfortunately their products are abused.


Overall it was a good learning experience. However one can make more money in the industry selling life insurance and investment products via industry leading companies. Combined does bot okay in this market, they are the leader for individual accident and health insurance in supplementary form. Products by themselves are bit enough but they are useful. Some of the sales tactics used by agents are not correct , unfortunately that can occur anywhere. Overall in today's day and age it would be hard to succeed, years ago door to door store to store sales worked well through the inference  of influential names within the area or community. I began back where it went like this " for 77 cents we are offering a special 7200 accident hospital benefit plan, or for only 1.54 cents you can double your benefit to 1290 per month, just think of it!"


I learnt a lot and sold a lot and one thing they did teach me is to always remain positive, setting goals is a strength of the organization . Would I do it over, not sure but it gave me the base to become successful in this industry. 

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#2 UPDATE EX-employee responds

I totally agree

AUTHOR: Anyways11 - (USA)

Sad part is every report is the same. Every rebuttal is from some recruiter who poses as a satisifed Combined Drone. I guess they will never learn. Oh, and to answer another report, the only reason they stay in business is because they get sold every couple of years. I guess the new age thinkers at these companies eventually wake up too. Stay away from Combined!!!
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