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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 targeted prospect 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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  • Claim Adjustor
    Responsibilities Accurately process claims under Supplemental A&H coverage. Key data into online processing system. Determine eligibility by evaluating claim submission and comparing to policy benefits.  Request additional information from policyholders,
  • Regional Sales Assistant
    ACE INA is the U.S. based division of the ACE Group of Companies, which provides insurance and reinsurancefor a diverse group of clients around the world. Through subsidiaries of the ACE Group of Companies, ACE INAoffers a broad array of sophisticated
  • Senior Sales Trainer
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  • Workisite Compliance Coordinator
    ACE INA is the U.S. based division of the ACE Group of Companies, which provides insurance and reinsurancefor a diverse group of clients around the world. Through subsidiaries of the ACE Group of Companies, ACE INAoffers a broad array of sophisticated
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa
  • INSURANCE SALES REPRESENTATIVE (OUTSIDE SALES REP / AGENT)
    An Outside Sales Rep position with Combined Insurance offers you a full-time, direct employee position where you’ll receive company support, comprehensive training, competitive compensation and benefits. No experience is required, but prior exposure to sa


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about us benefits training and support job description contact us apply now
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Combined Insurance Locations

Please use our interactive map to find the contact information of a recruiter in your state.

CA, ID, MT, ND, OR, SD, UT, WA, WY
Susannah Epstein
susannah.epstein@combined.com

IL, MN, WI
Sarah Schaefer
sarah.schaefer@combined.com

IN, KY, OR
Roxanne Byrd
roxanne.byrd@combined.com

DE, MD, PA, WV
Miriam Sanchez
miriam.sanchez@combined.com

CT, MA, ME, NH, RI, VT
Anne McGrath
anne.mcgrath@combined.com

Western and Central NY
Melissa Murphy
melissa.murphy@combined.com

Long Island, NJ, NYC
Hayli Cavallaro
hayli.cavallaro@combined.com

AR, FL, GA, LA, SC, TX
George Mardini
george.mardini@combined.com

NC, TN, VA
Gema Fuller
gema.fuller@combined.com

CO, IA, KS, MI, MO, OK, NE, HI
Jeff Romanek
jeffery.romanek@combined.com