I am embarrassed by what has happened to please bear with me. I too was a victim of these heartless crooks at combined insurance. I really wished I had gone to this web site first. My story goes like a lot of yours. I posted my resume on Monster.com. I got around 100 responses. Someone from Combined Insurance called and offered me salary plus commission. I was surprised that I would get salary PLUS commission selling insurance. It sounded too good to be true. I should have known better. If it sounds too good to be true in is.

The interview was high energy. I told them I had a sick spouse and could not travel and was told no problem. When I filled out the paper work I elect the least amount of travel, which was 10%. I was again assured that travel would be very limited. I was told they wanted me to be a manager and that my territory would be close to home.

When I went to school I was pressured into staying at the hotel even though I lived not too far away. That was the first week away from my wife. I had a license already. The school was all feel good stuff pumping PMA and W C Stone's psychobabble. The Combined School of Brain-Washing is really good.

As soon as I graduated we went on an Ardmore or whatever the hell they called it in Nowhere Texas where we had to sell to Eustis Banks and be chased by Courage the Cowardly Dog. (Week 2 away from my wife). My trainer if you can call her that was the most self-centered person I have ever met. She admitted, dating 3 customers and hinted that she slept with them to get them to sign a contract. She could not pay her bills and often talked of suicide. Management told me that she was the highest producer in the country, (most likely another lie). I asked that I be moved to another trainer because she was scaring me. When she was told she would not be training me, she was furious and started accusing me of crazy stuff like writing my initials in her vehicle and stealing money.

Then off we went to another remote town of deranged in-breads. We continued town hopping and never finishing an assignment. My manager was now training me. He was ok I guess. He seemed like a man who had lost all hope and had just given in. Then I was informed I would be going to some town I never heard of that was 5 hours away. Finally I said enough I am not going out of town anymore. Management was furious. I reminded them that I told them from the beginning I was not able to do all this traveling. Their efforts to make me feel worthless and guilty fell on deaf ears.

Upper management often called me and told me I need to focus on the company and not my ill wife. I need to sell, sell, sell. They also were upset because I would not travel anymore. I made $400.00 on the first check followed by $200.00 then nothing. NOTHING? How can that be? Well maybe they got it in too late.

Then I found this web site. Boy was I surprised. So I quit Combined and I want to thank everyone who shared his or her stories. Unfortunately by the time I saw this, my water had been turned off and my lights will go out any day now.

I went to a job fair and I was offered a job by one of the nations largest companies with salary plus commission. The exception was they put it in writing. Yes I did check this site before signing anything and found no such problems.

I still have not been paid by combined. MY manager said he did not remember me turning in anything for the past two weeks. I told him I had a receipt for the checks I turned in and he suddenly remembered them. Then said that my pay was under $50.00 and they will not write me a check for anything under $50.00. I don't have the receipts for the ones that renewed and had the automatic withdrawal and of course they will not pay me for that because I cannot PROVE it. So all in all they are stealing my last two paychecks.

Over the last week Combined customers have been calling me saying that combined is taking out more than they signed up for. So far 3 customers have called and complained to me about Combined taking money out and one lady is now in a negative balance because Combined emptied her account. One customer told me she canceled 3 months ago and Combined is still taking money out of her check. When customer call me to complain I always send them to www.complaintsboard.com and you should too.

Thank you everyone. Although I have no water and soon will have no lights, you saved my house. I will get paid by my new company in time to make the mortgage and enough to get my utilities turned back on.

Warning: DO NOT WORK FOR THIS COMPANY. DO NOT BUY FROM THIS COMPANY.

The worst company to work for. I was a TM for about month before I quit. They sell worthless policies and prey upon poor people who don't know any better. Then their recruiters come on sites like this and try to rebutt all negative comments because it really does hurt their ability to get anyone to work for them. My DM was an ignorant moron that I nearly punched out in the first week. I thank god I'm not there anymore although I get calls all the time from them trying to get me back. The way I left there is a story in its self, so the fact they keep calling shows truly how desperate they are. Hopefully, people look at sites like this and run the other way when the Combined drones come calling.