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Combined Insurance (AON)


New Member
Does anyone know anything about Combined Insurance (a subsidiary of AON Corp.), from the perspective of working for them?

I searched the forum under both "Combined Insurance" and "AON" but nothing came up.

They are aggressively recruiting in my area (and many other, apparently) for "manager trainees."

According to their job post, this is a full-time employee position, with complete benefits, "two weeks expense-paid training" and "guaranteed income to start."

Combined Insurance was apparently founded by W. Clement Stone. Any insight/guidance with regard to this opportunity would be most appreciated.
Record at RipOffReport.com

Oops. I just discovered the file for Combined Insurance/AON at RipOffReport.com (a good research tool, by the way).

Though I realize that not all complaints are necessarily valid, the number of complaints, the variety of complaining parties, the specificity of their remarks and the similarities between them lead one to believe that working for this company would not be a good idea.

Of course, if anyone has information to the contrary, they are most welcome to comment.
My only experiences with Combined are when I replaced a few of their accident policies. Customers weren't too happy with the claims service. Also, they complained that the agents all lived far away and just showed up to sell more insurance twice a year. Take that with a grain of salt; people love to complain.

Speaking personally, it seems the premiums are not super competitive, nor is the name well known in most places.

A funny aside: When I first started replacing those policies, people here in rural TN would leave the "d" off the company name when mentioning it, so it came out sounding like "Combine Insurance". It made me wonder why you'd buy an accident policy from a farm equipment insurer.
Combined is okay, lets face it people like to complain when unhappy. Surely the size of Combined Insurance is large enough to have some dissatisfied customers. Sterling is a part of Combined and the AON family. While their policies is more expensive its not a bad deal as far as other captive companies. I work for Sterling for about two weeks, a great company but didn't like the District Manager or Field Managers. There Supplement Plan that was nothing more then Combined was frowned upon since their No 1 agenda was to push their MA Plan.

The field manager told me it was way too expensive yet looking at it for what it is it isn't that bad. So I sold a few and they just didn't seem to appreciate it? What they had problems with was that their Gap Policy was IA not AA such as UW's and others. Yet if you know the difference its sellable! They obviously didn't!

Outside of that the Shut In or Shut Out was coming and their answer was CI and LTC. Great! Yet the best way to market this was B2B, so why give up such a large chunk of commissions to Sterling? Since I decided to contract with other companies to provide what they didn't they greatly frowned upon that. Esp. since I didn't get along with key people in the office. I suggested that some of the offices be opened up as in moving to larger office space but they frowned upon that! Outside of several other more personal problems when I walked in one day and they ask for App's I went through several and kept saying, "Whoops this one is for such and such not you". LOL you should of seen the expressions! Priceless!

Now don't get me wrong, basically I liked the company but the office people and their ideas obviously conflicted with mine. I guess I'm not the captive type of agent, but I found if one puts in the effort Combined can be a good company. Know several Combined Agents that do a bang up job!
I looked into them and Michael had it right.

They would sattle up and ride into a small rural town, canvas the area, sell what they could for the week, go back home for the weekend, and then repeat.

It was not for me, but I figure that there are agents who like that.

However, I will say that selling in the rural areas has always been great for me. People are more receptive, nicer, and appreciate your time more so. That and you sell one policy and do them right, and then your phone is ringing with their friends and family wanting the same.

Just food for thought.