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About Us
Combined Insurance
As a member of the ACE Group of Companies, Combined Insurance offers products in North America, Europe and Asia Pacific. We take pride in providing supplemental insurance plans that are clearly written and easy to understand so you can be sure you are getting the right coverage. Read more about our history
Mission
Combined Insurance wants you and your family to be protected
Our mission is to provide personal service and exceptional products tailored to help protect you and your family. The world of insurance can be confusing. Combined Insurance is here to help you navigate through it by working with you to identify your specific needs, then offering coverage options to help meet those needs.
View types of insurance
Values
Combined Insurance founder W. Clement Stone had the desire to "make the world a better place for this and future generations." By placing our focus on your needs, we believe we help make the world a better place, one person at a time.
Our values dictate the way we do business. As a company, Combined Insurance is:
- Customer-centric - making insurance clear and easy for you and meeting your needs is our number one objective
- People-driven - differentiating ourselves through the skills and service of our people
- Accountable and ethical - taking responsibility and doing the right thing because it is the right thing to do
- Performance-minded - always working to improve your experience and our people's satisfaction
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The Benefits of Joining Combined Insurance
Excellent Earning Potential
- Training completion bonus, limited guaranteed income for the first seven weeks in-field and new agent bonuses in the first 13 weeks for agents who meet
specific production standards - Monthly bonuses, eligibility based on sales performance
- Residual income
- Incentives and awards
- Commission-based compensation
Comprehensive Benefits
Some benefits begin day one, while eligibility to participate in others is earned.
As employees, rather than independent contractors, our agents immediately receive:
- Weekly payment of commissions (direct deposit available)
- Tax withholding and Social Security benefit contributions
- Errors & Omissions insurance coverage
- Workers’ compensation coverage
- Accidental Death and Dismemberment insurance
- Access to the company-sponsored 401(k) plan
In six months:
- Eligible for medical insurance (with pre-tax premium deductions)
- Employee stock discount purchase plan
In one year employees are eligible for:
- Dental insurance
- Life insurance
- Disability income protection
- A 50% company match of the first 6% of your income contribution to the 401(k) plan
- Healthcare and dependent care
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Effective Sales Support
Our agents’ success is our company’s success, so we support their sales efforts with training, leads and sales materials.
Training
Comprehensive classroom training
A career with Combined Insurance begins with thorough classroom instruction, which includes product training and instruction on our proven selling system.
Ongoing training in the field
All of our agents are introduced into the field through personalized training with management over the first several weeks depending on the level of need and previous sales experience.
Leads
In an effort to enhance our agents' success in making sales, leads from our current customer database along with marketing leads are provided on a monthly basis.
Sales Materials
All of our agents are provided with sales materials so they can easily and effectively explain the benefits of our products to prospects.
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Job Description
Why take any job, when you can opt for a career with Combined Insurance? As a leading provider of supplemental insurance, Combined Insurance can help offer consumers peace of mind when they need it most. We are currently looking for highly motivated team players to join our management team as a Territory Manager.
The Territory Manager (TM) is responsible for leading, developing, building and managing a team of 5 or more Agents, generating sales to new customers, sales and service to current Combined Insurance policyholders, recruiting of new agents and delivering annual new sales objectives
RESPONSIBILITIES
Developing New Agents
- Field train a minimum of 4-5 days each week for the first two weeks with all new Agents.
- Field train a minimum of 3 days each week for the next 5 weeks with all new Agents.
- Develop in each Agent expertise with all aspects of the sales process
New and Established Agents
- Receive monthly internal leads from Marketing Director (MD) and distribute to Agents (bi-weekly)
- Receive externally generated leads, distribute to Agents immediately and report disposition daily
- Support Agents in assignment planning/appointment setting as needed
- Field train Agents by accompanying them during sales visits as needed, typically at least one-day every 2 weeks per Agent
- Collect post-sales documentation and process according to documentation type including disposition of internal lead cards weekly
Meetings
- Conduct daily meetings with the team each morning for the purpose of training and development
- Attend monthly full day market team meetings and deliver training as required
- Attend bi-weekly full day meeting with MD and other TMs
- Conduct and attend training and development meetings
Core sales process and personal production
- Meet production standards and guidelines set by management
- Be able to effectively demonstrate the company's sales process
- Engage in personal production during Incentive Weeks only (Incentive Week to typically take place twice a quarter)
- Execute core sales process as outlined during that week
- Contact externally generated leads and report dispositions in requested timeframe
- Plan assignments
- Conduct sales presentations consistent with new customer approach
- Complete all post sales administration and data collection documents
- Service customer service calls or refer to appropriate channel
Recruiting/Field Demos
- Field recruit prospective new Agent candidates while training and selling
- Establish local networks and sources within territory to find qualified new agent candidates
- Conduct informational recruiting seminars to prospective new Agents as needed
- Represent the Company at local job fairs or other hiring events
- Assist MD’s with interview process of new agent candidates as needed
- Take all prospective territory Agents that have passed MD interview on field demos
- Make final hiring decisions together with MD
Other
- Establish local presence for Company
- Follow company policies and standards
COMPETENCIES
- Capacity to manage and lead a sales team
- Strong communication and organizational skills
- Good coaching and mentorship skills
- Ability to conduct small group training meetings
- Maintain high ethical standards
- Excellent sales and negotiation skills
SPECIFIC SKILLS OR KNOWLEDGE
- Successful and stable work history
- Demonstrated leadership skills
- Minimum of 1 year Insurance Sales experience OR
- Minimum of 1 year Outside Sales experience OR
- Minimum of 1 year Insurance Sales Management experience OR
- Minimum of 1 year Outside Sales Management experience
- High School Diploma preferred
- College Degree preferred
- Basic PC skills required
- Obtaining your Life, Accident and Health license is required prior to employment date
REPORTS TO: Marketing Director
Equal Opportunity Employer
About Combined Insurance
Combined Insurance (http://www.combinedinsurance.com/) is a leading provider of supplemental accident, health and life insurance products and is a member of The ACE Group of Companies. With a field sales force and corporate staff in several countries, Combined Insurance meets the growing insurance needs of policy holders around the globe.
About ACE
The ACE Group of Companies is a global leader in insurance and reinsurance, serving a diverse group of clients. The ACE Group of Companies conducts its business on a worldwide basis with operating subsidiaries in more than 50 countries. For more information, visit http://www.acelimited.com/.
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Combined Insurance Locations
Please use our interactive map to find the contact information of a recruiter in your state.
MN, WI, IL, FL, GA, SC, AR, LA, AL and MS IA, MO, KS, CO, OK, NM, TX, MD, PA, DE, DC and WV AZ, CA, NV and HI CT, MA, ME, NH, VT and RI |
NY and NJ ID, MT, OR, WA, WY, ND, SD, NE, UT, IN, MI and KY NC, VA, TN, OH and Medicare Supplement |
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