• Report: #246763
Complaint Review:

Combined Insurance

  • Submitted: Thu, May 03, 2007
  • Updated: Thu, May 03, 2007

  • Reported By:Somewhere New York
Combined Insurance
Williamsville, New York U.S.A.

Combined Life Insurance Company Of New York Misleading, Desperate, Cheap Insurance Company Ripoff Williamsville New York

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I have read numerous other complaints written by people on this website, and i must agree with most of them, and say that over 90% of everything people are writing is true. I was also a victim of the insurance company as an employee (CLICNY: Combined Life Insurance Company of New York), but i left after my 6th week in training. That was after i already spent 3 weeks in license and sales training. By the end, i figured i had used about 1/4 weekly income just in gas, and well over 2000 miles driving a month. I will admit, the opportunity is tremendous in the long run if you have the patience, a piece of crap car, you dont mind working 55-65 hours a week, you like to travel, and you have some money to get you by in the short run. In the interview, they tell you that driving is limited if you "pre-plan" the correct way. What they dont tell you is that your "pre-planning" rarely, very rarely, ever follows to schedule. This leads to much free time, which leads you to your lead cards, which then leads to the driving to these houses. Managers pressured you to make atleast 20 stops a day from your lead cards, including 5-9 appointments. Working late night forced me to make appointments on weekends, and trust me, people dont like to be called from the insurance people on weekends. Also, when your making phone calls, the reason your telling these people your coming over, is not the real reason once you step in the door. Your not exactly lying to your clients, but you maneuver very "schemengly" to a sale, and put them in very awkward positions which makes the process more difficult. When i quit, the branch manager acted like it was such a big deal, and was immature about the entire situation. I walked into the branch and turned in everything, i even forgot to take my insurance license out of the "black book." I told another branch manager there i was leaving, because mine was there currently doing an interview. My branch manager must have called me a couple times a week after i talked to him the first time, trying to persuade me to come back, and trying to maneuver in and out of everything i said. And the first time we talked, is when he really ticked me off. He claimed i "committed" to six months employment with them, and made it a big deal about the money they invested in me. Its true that they do invest money in you, but trust me it dont hurt them when you quit. Most of the money is paid back to the company through an inner account or "slush fund" they have for you. They take exactly 30% out of your check every week for taxes, and the remainder goes to your inner account. For training, and the hotels on trips away or what they call an "ardmore," your inner account starts out in the negatives. And you dont see that money until it goes above +$400. Then they give you the difference every 2 weeks whatever is above $400. So they say its like getting 6 checks a month, but its just the money they have taken from you from earlier. Finally, i found out (and i dont know if this is true or not) but your branch, and your sales manager, get a pretty hefty bonus if you stay on past the 12-week training. So thats why it may seem like a big deal if you quit, and your manager is all of a sudden on your back. To the person who wrote about how the manager showed up at their house....thats bull****, and i would do something about that. Finally, the turnover rate at that place is disgusting, and their operations are very disorganized. I still get emails from their recruiters about setting up an interview because my resume is still posted on monster and career builders. They are posting jobs every day on those websites, and hire pretty much anyone who walks through the door and can compose themselves for 20-30 mins. And the i.q. test they give you is true, but the test is actually called the WONDERLIC test. It's the same exact test they give to college football players who are entering the draft. If you can score atleast a 20 on that out of 50, your more than good.

Somewhere, New York

This report was posted on Ripoff Report on 05/03/2007 04:18 PM and is a permanent record located here: http://www.ripoffreport.com/reports/combined-insurance/williamsville-new-york-14221/combined-life-insurance-company-of-new-york-misleading-desperate-cheap-insurance-company-246763. 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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