Report: #132149

Complaint Review: Combined Insurance

  • Submitted: Mon, February 21, 2005
  • Updated: Thu, July 07, 2005
  • Reported By: COMMERCE Oklahoma
  • Combined Insurance
    Chicago Ill,joplin Mo,springfield Mo,fenton Mo., Missouri

Combined Insurance Company Of America, AON Corporation, CICA Does not pay what is owed! False Manweeks, Lies, Misrepresentations,Unfair treatment from employee to employee. Chicago Illinois

*UPDATE EX-employee responds: combined senior div.

*UPDATE EX-employee responds: The good, the bad, and the Combined

*UPDATE EX-employee responds: Bad apples in Missouri

*UPDATE EX-employee responds: Bad apples in Missouri

*UPDATE Employee: Combined Insurance and The Better Business Bureau

Show customers why they should trust your business over your competitors...

I am just following up on yesterdays letter to clarify some issues and add a few more that I have remembered. O.K.

First of all let me say that there are some great people that work for Combined Insurance, like there is at all companies, but there are enough bad apples in My State (Missouri) to spoil the soup for everybody. I had some good friends with combined and I am sure that I still do! The bad apples are always bad and everybody knows who they are. Soo, now that I have said that, lets continue, shall we?

I was hired in August of 2004 in Joplin, Missouri by my District Manager Ken Davenport. He is a great guy and I like Ken alot. He is just so stressed out at times that it clouds his judgement. He also is going through a nasty divorce and that is clouding his judgement as well. I am sure that Ken was told to do all of the things that he did. He would not do anything wrong of his own volition. I am sure that his boss, Jesus Vega, sub-regional manager told him to. Or, it could have been the regional manager, Bonnie Jenson. I always concidered Ken a friend and somebody that I could trust. Although there were a few times that he did outright lie to me and it was because he was pressured too by Jesus Vega. When I was interviewed I had my wife with me and Ken and Jesus Vega were present. As I have said before, when I was reading and signing the contract, I asked, "I have to do ALL of this or I don't get the guaranteed pay, right? They both said, and I quote, "Oh no, you just do your part!" "If you do your part and we do our part, you will be paid what is in the contract." I then said, "So, even If I don't fullfill what is here, even if I don't sell all of these policies then I will still get this money?" "All I have to do is give you and honest effort and I will be paid, is that right?" They both said, "YES, that is right!" Well let me tell you something to all of you that is listening, "THAT IS WRONG"! I never recieved a penny of the money that was listed in my contract! I did more than MY PART! I went out of town and spent tons of money on gas and food and did this no less than 6 weeks of the 13 training weeks. With all sincerity, I was paying combined to let me work for them during my 13 week training period!

Secondly, Training period, HAH! I was told that during my first week in training that I would have somebody with me everyday of the week to train me. Then after that week they would send somebody with me 3 days a week, then 2 days a week, then 1 day a week. Here is a small review of my training for anybody that wants to go to work for my STATE. I say My State because this cant be going on everywhere or the company would fail. I bet it isn't going on in every district of my state, I would probably say just the south part or even just my district. My first week in the field was supposed to be my pal week. Well Ken sent me out with Bob Skinner to collect premium to cover for Bobs manweek for the week before. Bob was gone the week before and Ken put him on the payroll, so bob and I had to go out on Monday and collect over 700.00 to pay for the manweek the week before. That was the first day. Ken just kept saying that he would be with me the rest of the week and everyday something would come up. He never did. The next week I went to Mountain Grove, Missouri for an Ardmore. Ken did do my Pal week and we sold over 100 units but I never recieved my gold pal or the recognition for it. I don't know why, I guess Ken didn't put me in for it. Who knows! The rest of my training was pretty much the same. Me going out of town to learn becuase Ken would always promise to go out with me and then when I would show up in the morning something would come up and he couldn't go. So he sent me with the "DRUNK", Bob Skinner. Bob just takes you out to collect premium and then has you take him home about 2 or 3 oclock and tells you to go back out and work. Alot of good training there. He has to get home to get his OJ and vodka in him. So, what I learned I learned from good people that were from other districts. That is how my 13 week training went and I did not get my bonus for the first 13 weeks.

I am due 2 String bonuses that were never paid as well. One for 750.00 and one for 400.00. I am sure that these will never be paid either. I also have an account in my name in chicago that I will probably never see again either.

My advise to you if you are going to go to combined to work in Missouri. Go to Northern Missouri or by St. Louis, in Tim Archers District, or Buzz Sanfords District. There you will get training and make some money. They are good people. Ken Davenport is a good man too. He just is constantly bombarded by Jesus Vega telling him how to run his district. Vega actually runs it for Ken and that is why it is no fun to work there and why it is going downhill fast. Vega treats Ken like a puppet and tells him every move to make and Ken does it. Another good District Manager is Fernando Rodriguz and Jim Masters. These are some good men also and they will teach you and they will give you all that they have and you will make money. Kevin Kerr is a good company man that is also a good teacher and person. Gregg Manns is a sub- regional manager from the north Missouri group. He runs a great region and is also a good honest man. He will get you pumped up and ready to go to work. Nothing bad could be said about Greg.

Lastly, I hope that this sheds some light on how things are here in my neck of Missouri, if you ever decide to work for Combined. In closing I want to say, I LOVED my Job at combined and loved selling their insurance. I just couldn't put up with the lying and the dishonest dealings of the missouri management. I sometimes wish that I still was working for them, but for a different state. I was a good, dedicated employee till I was lied too again and again. This will make a disgruntled employee out of anyone. We work to make money to support our lifestyle and our children and family. When my bosses start screwing with my pay then they are messing with my family and I cant have that. I honestly earned those bonuses and then they don't pay them to you. You work so hard to get them and they tell you, sorry, your not good enough for us to honor our word to you. Everything for Them. All for Them. Please just send to me what you owe me and I will move on and be satisfied. Just learn a lesson Bonnie and don't do it again and lose good employees who could do the company well.

Good luck and my the lord bless all of you,


COMMERCE, Oklahoma

Click here to read other Rip Off Reports on Combined Insurance
Is this Ripoff Report About you?
Ripoff Report A business' first line of defense on the Internet.
If your business is willing to make a commitment to customer satisfaction Click here now..

Does your business have a bad reputation? Fix it the right way. Corporate Advocacy Program™

Set the record straight: Arbitration Program

SEO Reputation Management at its best!

This report was posted on Ripoff Report on 02/21/2005 12:31 AM and is a permanent record located here: 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. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals


#1 UPDATE EX-employee responds

combined senior div.

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

I worked for Bonnie and Jesus in Arkansas in the mid 90's. Bonnie is strickly biz, but Jesus is an out right a*****e. I think he laid on his fat fungus laden a*s thinking of ways to screw his agents. My experience was mixed. Sold alot of policies.....did not count on training. Just went out there and did what I was told would work and by did. So I kept doing it and expanded my knowledge. In '94 I was the top commission earner and top premium producer for the state. I still use what I have learned to this day and have over $10,000/month cash flow from my insurance biz and I actually earn half that. The balance is renewals. I would not work in any div that has has Jesus Vega in it.

I am thinking about going back to work for them in the senior market. They have some good things going and with my wife's health problems I could use the health benefits. The 401k has made some very wealthy senior managers as well. Any advise is welcome.

As far as all the negative. I look at it this way. If someone has a Ford pickup truck and it is doing they brag on it. NO If they have problems do they tell everyone......YES. Every insurance company that has used mass marketing such as CICA will have a higher number of complaints due to exsposure. And then you have to consider what is being carped about. A person that buys a $40/six month accident plan and thinks the thing will pay for a $2000 broke leg is crazy, stupid, and/or really disconnected from the real world. When I was in the field selling those accident plans and had someone grip about not paying a claim........usually it was that it was not enough in thier eyes. From my curious nature I knew a plan that would have paid for the $2000 broke leg (major medical) would cost 20 times what the simple accident plan cost. I would make it a matter of mathmatics and end up reselling the person gripping in the first place.
As far as making money. Going out of town was voluntary. A person like me, had the right to stay right there in his home town and sell new plans. Some of the chicken, unwilling to work the system, lack of faith agents that are claiming lack of success on these boards are the ones that would rather chase my renewals from what I sold last cycle for full commissions for 25% of what I got paid for it. You think an organization would fire someone selling? NO NO and NO. I refused several trips, Ardmores, and request to train new agents because it was not in MY best interest at the time. Bonnie got pissed at me several times due to my lack of comformity, but never would say the words, "your fired". Why......production. Good honest, solid, dependable production.
My wife does not have to work and if I don't want to mess with insurance for he next couple of weeks and goof off I can due to what I learned down those streets with CicA.
Respond to this report!

#2 UPDATE EX-employee responds

The good, the bad, and the Combined

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

I'm going to address this to people thinking about working for the company.

The problem you face is that you don't know how to tell whether the district you're going into is ran be dedicated professionals or by professional bums.

The thing to keep in mind is that the good managers are aware of the problems that the company has in many areas and will respond to reasonable requests from you. Ask how the slot you're being hired for became available. See if they tell you 'growth' or 'promtions' or 'someone left the company'.

Ask for a chance to meet some of the most recently hired reps. Confirm what the mgr told you with them. Ask for names of recently departed employees. IF they remain in the ins business and as such maintain an office where they recieve calls from the public, ask for a chance to meet with them and discuss their CICA experience. (I'm NOT suggesting you do the same with someone who has gone into another, less public field).

Also, in respect to the question of whether or not claims are paid, ask the mgrs interviewing you what the companies Denial of Claims rate is for your state. Get specifics of what types of claims (accident, LTC, dread disesase, etc) are being sited.

Then, pass those numbers along to your personal ins agent, or if you don't have one, to the agent serving a friend or relative. Simply ask him or her if those numbers seem fair for the types of coverage in question (ALL companies deny some claims, as some claims are NOT legit).

This level of due diligence, which shows that you place high value on your time and ability, shouldn't discurage an honest mgr from hiring you . . .wouldn't discurage me if my organization had an opening for a individual of promise and potential.

Now, lets assume you're satisfied that your district is being lead by honest and ethical people. The question then becomes is CICA the type of ins co your want to represent. As a long time veteran of the ins field, I consider CICA to be insurance lite.

You'll have a very small portfolio of products, and your approach in the accident div which is CICA's backbone, will be one size fits all. You knock doors, get in the house, dominate the conversation from the onset, give a canned presentation, rebuttal, rebuttal, and rebuttal some more.

When the prospect speaks you listen only for the cue as to which rebuttal to serve up next. Eventually you get asked to leave or maybe sell. This is not all bad, all prospects have to be lead to change, people by and large AVOID change, and the reason sales pays what it does is that it is HARD to get people to take action even when it is in their best interest and they're going to get fair value for their money.

Many people have collected large amts of money, money that kept their lives and families intact, from ins they resisted buying at the onset . . . many people have survived medical crisis with their finances intact ONLY b/c an ins agent worked hard to get them to yes.

That said . . . your limited product line means that you don't have solutions for everyone you encounter, and you don't have a lot of creative problem solving in the course of your day . . .you're like a small game hunter going through the woods, shooting squirrels and throwing them in your bag.

Because the job doesn't supply great mental stimulation CICA tries to keep you going with motivational pep rallies and contests and any short term gimmick it can come up with . . .

This is all different from what most ins professionals do. When I call on a prospect I (and tens of thousands like me) spend far less time talking than we do listening.

We learn about the clients current postion and we help him chart a course from where he is to where he wants to be . . . we spend two to three meetings consultanting with the client and putting together a plan. In addition to the money there is the day to day reward of challenging and engaging activity on behalf of my clients.

Part of why so many agents leave CICA is they see that as skilled sales people they can make as much if not more money elsewhere AND have the added bonus of mentally stimulating work of tayloring carefully thought out programs of interlocking protection and investments which translate to huge changes in the quality of their clients lives.

Read the 'careers' sections of any ins company's website. You'll notice that Combined puts far more emphasis on motivation and earnings for its sales reps than any other company. Sales pays very very well anywhere.

It is a wonderfully lucrative field, but the reason many of us chose to sell Ins over selling software or B2B services is because of the reward of creative and meaningful work serving our clients. Other companies recognize that on their web presence, Combined is all about money money money.

Go figure.
Respond to this report!

#3 UPDATE EX-employee responds

Bad apples in Missouri

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

I am responding to Tim in Minnisota. I am saying that I enjoyed my time at Combined as well. However, I had to quit because of the lies told to me and others by Missouri Management. Not the Combined Comapany. I am sure that the Missouri Management have to put you in for the bonuses that you earn or you will never get them. That is what I am saying. It is no wonder that they have so much turnover in Joplin, Missouri. If I was paid what I earned, I would still be with the company today and looking for a promotion. It is a great company that has good insurance, just don't go to work for them in southern Missouri. That is what I wanted to say in retrospect.
Respond to this report!

#4 UPDATE EX-employee responds

Bad apples in Missouri

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

I am responding to Tim in Minnisota. I am saying that I enjoyed my time at Combined as well. However, I had to quit because of the lies told to me and others by Missouri Management. Not the Combined Comapany. I am sure that the Missouri Management have to put you in for the bonuses that you earn or you will never get them. That is what I am saying. It is no wonder that they have so much turnover in Joplin, Missouri. If I was paid what I earned, I would still be with the company today and looking for a promotion. It is a great company that has good insurance, just don't go to work for them in southern Missouri. That is what I wanted to say in retrospect.
Respond to this report!

#5 UPDATE Employee

Combined Insurance and The Better Business Bureau

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

As someone proudly in their 4th year with Combined, I'm slightly amused but mostly surprised by what I read on here tonight.

To more appropriately put my comments in perspective let me say that Combined Insurance employs about 4,500 career sales agents across the U.S. To see 22 comments out of 4,500 career agents would seem...normal for any industry, but still surprising compared to what I know.

Of the 4,500 agents nationwide, roughly 150 of those are in the SENIOR divison. In Seniors we deal mostly with existing policyholders and purchased leads, we give each agent their own access from their home laptops to our vast database of policyholders and other lead sources.

In Seniors, we have never misrepresented our commissions or bonus structure and we have no dollar amount guarantee, you earn what you're worth and if that's zero it's zero. But to others, like's an uncapped income.

In Minnesota we have about 35 agents, so we make up a high percentage of the 150 agents nationwide because we indeed "do the right thing because it is the right thing to do". We are professional, permanent, personal agents that run our businesses like any reputable franchisee would.

We understand that if there is a problem with a policyholder stemming from an accident, disability, cancer, or sickness policy...the only way they are going to by a Medicare Supplement or Long Term Care policy from us upon hitting their "Golden" age is if we make it right.

And we do.

Did you know that in 2003 Combined Insurance Company of America received the highly coveted Better Business Bureau Torchbearer Award? Yes we did. It demonstrates a continued tradition of ethical leadership and commitment to the highest level of service to our customers and to the community at large.

And that's how the SENIOR organization does it in Minnesota. If you want to join a winning team, we're right here.
Respond to this report!
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.