Combined Insurance Careers: Corporate

While our sales force is a significant key to our success, there is also a dedicated team of employees in our corporate offices that help both our customers and our sales force.

If you would like an insurance career at a growing company that supports a positive environment where your accomplishments are recognized and rewarded, browse Combined Insurance jobs, and submit your information.

Combined Insurance is an Equal Opportunity Employer committed to a diverse workforce. EOE/M/F/D/V

Current Job Postings

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Assistant Actuary Medicare Supplement Pricing - Glenview, IL


The role is for an Assistant Actuary for Combined Insurance. Responsibilities include pricing, product development, analysis, and required regulatory reporting relating to Medicare Supplement and Medicare Select product lines for Combined’s IMO and traditional captive agent distribution areas. This role reports to the Vice President and Actuary in the Actuarial department.


  • Leads the Medicare Supplement and Medicare Select product development and pricing projects, including responsibility for new product state filing and rate revision filings.
  • Develops pricing assumptions for new products including morbidity, mortality, lapse rates, expense unit costs, interest earning rates, and selection wearoff.
  • Prepares Actuarial Memorandums for state filing and communicates with State Department of Insurance as needed.
  • Works with Product Development, Marketing, Policy Filings, Compliance, IT and administrative departments throughout the product development process.
  • Represents the Actuarial Department in meetings relative to product development, product design, pricing and risk management.
  • Works with Underwriting and Operations to develop innovative approaches to managing risk.
  • Produces and maintains thorough documentation for product development and pricing work, as well as detailed business cases for rollouts and pricing assumption documentation for Sarbanes-Oxley and internal record purposes.
  • Monitors product line performance and recommends needed changes to existing products to keep them in compliance with regulations and meeting loss ratio and profitability targets.
  • Files corrective rate action as necessary. Communicates and negotiates with state department of insurance, as needed.
  • Monitors competitor activity and rating strategies.
  • Performs or reviews internal and external profitability studies, cash flow testing and other analyses.
  • Manages a team of 1-2 direct reports.


  • Must have 7 years of Actuarial job experience
  • Must have Medicare Supplement and/or Medicare Select insurance pricing experience
  • In-depth knowledge of pricing techniques, principles and profitability measures
  • Internationals pricing experience is highly desirable
  • Rerating experience is highly desirable
  • Product development or business development experience is desirable
  • Knowledge of industry standard pricing models such as AXIS, TAS or Prophet is highly desirable


  • Bachelor’s degree or higher in Actuarial Science, Applied Statistics, Quantitative Analysis or other relevant Mathematics degree
  • FSA accreditation from the Society of Actuaries in North America and membership in the American Academy of Actuaries


  • Degree or relevant experience in quantitative analysis or applied statistics
  • Excellent statistical and Actuarial pricing skills
  • Proven ability to identify business opportunities and recommend and implement solutions effectively
  • Excellent business, communication and negotiation skills
  • Good project management skills

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online

Bilingual Claims Adjustor - Chicago, IL

Combined Insurance has an excellent opportunity for a Bilingual Claims Adjustor.


  • Must be fluent in Spanish and interact efficiently with Spanish speaking policyholders, customers and external vendors.
  • Accurately process claims under Supplemental Accident and Health coverage guidelines.
  • Require the use of analytical skills, customer service and good judgment in a fast paced environment.
  • Key data into online processing system.
  • Determine eligibility by evaluating claim submission and comparing to policy benefits.
  • Request additional information from policyholders, providers and others as necessary to finalize claim.
  • Manage pending files in a timely fashion.
  • Create claim related correspondence.
  • Provide customer service to policyholders, agents and doctors answering a variety of questions both in writing and by phone.
  • Conduct telephone assessments for continuing disability claims.
  • Meet Department standards for time service and quality.

Required Skills and Knowledge

  • Bilingual - excellent written and verbal communication skills in Spanish
  • Quality and customer centric orientation
  • Analytical with good decision making skills
  • Detail oriented
  • Medical terminology knowledge
  • Keyboard skills – 30+ wpm
  • Windows based PC knowledge

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online.

Claims Adjustor (2 openings) - Chicago, IL

Job Details

  • Accurately process claims under Supplemental A&H, Life or Disability coverage.
  • Key data into online processing system.
  • Determine eligibility by evaluating claim submission and comparing to policy benefits.Request additional information from policyholders, providers and others as necessary to finalize claim.
  • Manage pending files.
  • Create claim related correspondence.
  • Provide customer service to policyholders, agents and doctors answering a variety of questions both in writing and by phone.
  • Conduct telephone assessments for continuing disability claims.
  • Assist in preparation of SIU cases and preliminary investigation of suspected fraud.
  • Meet Department standards for time service and quality.

Required Skills and Knowledge

  • Excellent Written and Verbal Communication Skills
  • Quality and Customer Centric Orientation
  • Analytical with Good Decision Making Skills
  • Detail Oriented
  • Medical Terminology Knowledge
  • Keyboard Skills – 30+ wpm
  • Windows based PC Knowledge

Training and Experience

  • Claim adjudication experience in Life, A&H or Disability products
  • BA or BS from an accredited four year institution
  • Industry courses from organizations such as ICA, AHIP, LOMA
  • Industry designations desired, but not necessary (e.g. FLMI, ALHC/FLHC, HIA)

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online


Divisional Development Director - Glenview, IL


The US Sales Operation is split between several Divisions, each led by a Divisional Manager. Each Divisional Manager has a number of Market Directors reporting into them, who each manage a number of Territory Managers who are responsible for sales agent performance. Each division has a Development Director responsible for helping to devise & implement strategies to support the growth of the sales force from new agent on-boarding, fast-track managers to direct hires of TM’s / MD’s. The divisional development director will aid in the design, development & implement of ongoing training in the field to all agents & field managers.


  • To embed the Vision along with the PMA culture throughout the division.
  • To coach, assist, train & monitor the on-boarding of newly promoted TM/MD’s & Direct hire TM’s / MD’s
  • To identify and nominate high performing Representatives worthy of consideration for promotion to Territory manager /Market Director level
  • To coach and mentor Agents/Territory managers & Market Director as part of both their development and regulatory compliance
  • To ensure that all competence assessment procedures are implemented consistently throughout the market.
  • To achieve all agreed Key Performance Indicators (KPI) as communicated by Vice President for management development & expansion
  • To undertake regular reviews & monthly evaluations of their divisional performance of training & communicate accordingly
  • To effectively provide updates to senior management of highlights & negative exceptions with recommendations & remedial actions
  • Design Training & Development programs that improve management of key tasks at all levels of management
  • Design Training & Development programs that improve agent of key tasks at agent level.
  • To ensure that all company procedures and rules regarding the sale and renewal of policies are adhered to constantly and consistently throughout the market and in accordance with quality requirements, compliance standards, regulatory guidelines and contractual obligations
  • Evaluate current Training & Development programs so that they meet the programmed objectives
  • Assess the usage of present/current programs sales in their daily tasks
  • Implement Training & Development programs & measures for effectiveness on an ongoing basis & evaluate against the programs objectives
  • Work with team to identify people with potential within the division at all levels.
  • Prepare cost benefit analysis and business case for training initiatives
  • Liaise with marketing on product launches, communication and campaigns
  • Research external market and provide regular update on leadership and development programs
  • To maintain competence through the attendance on appropriate company organized training
  • To monitor the competence and conduct of Representatives, ensuring that field observation assessments are completed as required
  • To aid the recruiting of agents & TMs


  • Leadership Skills
  • Motivation
  • Drive and Determination
  • Customer Service Skills
  • Sales Skills
  • Communication Skills
  • Planning & Organizational Skills
  • Proactive, “Can do” Attitude


  • Minimum of 3 years Insurance Sales/Management experience
  • Take on other tasks that may be assigned from time to time
  • Computer literate in all Microsoft applications
  • Ability to prepare management reports to the highest levels
  • Ability to communicate effectively at all levels
  • Committed to meeting deadlines
  • Experience in leading Agent /Management/Leadership Training & Development programs

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online

Regional Implementation Manager - Glenview, IL


The Regional Implementation Manager supports Worksite’s revenue growth and business development plans by performing a variety of job functions supporting both internal and external customers. The Regional Implementation Manager’s main responsibility is to work with Account Executives (AE’s) in all aspects of their sales, enrollment implementation and enrollment activities and efforts in their assigned geography. Additionally, the Regional Implementation Manager will be responsible for the profitable engagements of the enrollers (Independent Contractors) utilized in their assigned geography.


  • Establish strong relationships with our internal customers including AE’s and BDM’s to research and qualify new business opportunities.
  • Work with Area Directors (AD’s) to develop and implement strategies for increasing sales.
  • Establish strong relationships with our external customers including client account representatives, and brokers, to offer superior customer service and increase sales.
  • Regular field work with AE’s to include sales and enrollment support and training
  • Recruiting and training of enrollers (Independent Contractors) in their geography
  • Suggest methods for improving efficiency, processes and service to customers
  • Complete special projects as assigned by management  

LEVEL DIFFERENTIATORS (additional duties which differentiate position level within job family)

  • This is a managerial-level position supporting Sales Account Executives and Brokerage Business Development Managers (BDM’s) as well as our National Accounts.
  • Daily interaction with our Sales force which requires strong interpersonal and relationship building skills.
  • Possess knowledge of all areas of the department and have the ability to be a “go-to-person” when questions or difficult situations arise.  
  • Ability to successfully engage and direct Independent Contractors, i.e. enrollers.


  • Ability to work independently and manage competing priorities
  • Ability to foster teamwork and camaraderie.
  • Demonstrated customer service skills and focus
  • Ability to learn quickly
  • Ability to work under pressure and with tight deadlines
  • Solid work ethic and professional demeanor


  • Excellent interpersonal skills
  • Excellent written and verbal communication skills
  • Strong analytical and problem-solving skills
  • Strong organizational skills with emphasis on attention to detail
  • Strong PC skills, including MS Word and Excel
  • Keen ability to handle multiple projects with constraint to deadlines.


  • In-depth knowledge of Worksite sales and sales process
  • Familiarity or prior experience with systems a plus
  • Minimum of 5 years field experience working with enrollers
  • 4-year college degree preferred

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online.

Sales Administrator - Glenview, IL


Provide support to the Zone Manager, Senior Administrator, Divisional Managers and Sales Management/Sales Representatives while ensuring that business requirements are met for the Zone/Division. Responsible for providing and implementing Quality Business training and education initiatives including regular inspection of results and management procedures impacting premium and policyholder growth within the Zone, Division, Markets, and Territories. Responsible for ensuring all sales units operate in accordance with all Company systems and standards and all financial transactions including accounts payable and bonus payments are handled in compliance with company business and ethical standards.Also responsible for training clerical staff for the Zone as approved/required.


  • Provide support to the Zones, Divisions, Markets and sales force as follows:
  • Budget management (forecasting / planning / managing / monitoring / monthly reconciliation)
  • Plan annual sales budget in line with annual growth initiatives
  • Manage & monitor expenses each month to ensure expenses are in line with plan and growth initiatives
  • Oversee and train the Divisional staff on the monthly reconciliation of expenses
  • Approve expense reports & disbursements for the Zone & Divisional staff in accordance w/ company policy & expense guidelines
  • Review special compensation situations, verifying and approving
  • Verify and approve bonuses (weekly, monthly, quarterly, semi annually, annually)
  • Ensure all compliance issues for the Zone/Division are communicated and handled in line with company standards, guidelines and timelines.
  • Review & monitor consumer complaints and follow up with training and/or specific action to include training and/or termination of employment for severity one complaints as advised by legal counsel.
  • Review and monitor sales activities and new applications for ethical compliance and take the appropriate action with management and sales representatives when wrong doing is suspected to include interviewing the agents involved
  • Provide continual training on ethics and zero tolerance policies and document said training with all Managers and Sales Representatives on a semi-annual basis.
  • Quality Business Activities (Inspection / Communications / Training) and attend the following meetings as requested to train on Q.B. practices:
  • Monthly full day meeting with an entire market team
  • Monthly full day meeting with new Agents
  • Bi-weekly full day meeting with TMs
  • Divisional Meetings as scheduled
  • National Meetings as required
  • Attend TM am meetings
  • Attend team check-ins
  • Critical Business Planning:
  • Provide support to the Zone & Divisions with the development of long range plans that support annual growth initiatives.
  • Prepare measurement tools to track performance of staff and sales territories to meet performance targets.
  • Review and monitor weekly reports related to the operation and performance of the Zone / Division and communicate results to management.
  • Communicate, develop, coordinate and implement strategies for improvement
  • Using the various, reporting methodologies analyze Division and respective sales territories performance to identify good/bad practices in the model and provide recommendations to sales management to support continuous improvement and achieving annual growth initiatives.
  • Assist the Divisional Manager with the annual performance review process (OPMS).
  • Process paperwork required for HR and IT as necessary (i.e. promotions/demotions/new equipment)
  • Coordinate and report on all real estate issues for the Zone / Division.
  • Ensure activities of Zone & Divisions are aligned with company standards/requirements for quality business, legal requirements, and general operating standards.


  • Strong background in proprietary business knowledge that is required to interpret and report on industry sales practices, compliance, and sales strategies.
  • Strong communication skills
  • Strong organizational skills
  • Ability to review, interpret and report on various statistical data
  • Demonstrate sound judgment and decision making
  • Ability to interpret policy, procedures, and data
  • Ability to maintain high ethical standards
  • Strong problem solving skills
  • Ability to use personal computer and software to develop spreadsheets and perform data analysis


  • Proprietary business knowledge is required to perform the critical business planning requirements of the position.
  • Successful and stable work history
  • Excellent PC skills required with working knowledge of Excel.
  • Good knowledge of company policy, systems, reports, and processes

REPORTS TO: Zone Manager / Senior Sales Administrator

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online

Sales Training Supervisor - Wilmington, DE


Maximizes agent and leadership effectiveness by managing the delivery of educational and developmental programs that are designed in partnership with Senior leadership and field management.


  • Lead  the training team in achieving our Objectives while adhering to our annual budget
  • Coach, train and develop Sales Education Facilitators.
  • Conduct performance reviews and create professional development plans for the Sales Education Facilitators.
  • Course development and Content design.
  • Support and communicate with Sr. Leadership and Field Management  to insure that our training programs support National sales objectives
  • Participate in ongoing Personal Development – by completing annual development plans.
  • Stay current with training, development and leadership best practices.
  • Manage day-to-day operations for our Center for Learning Excellence.
  • Identify trends in adult education and the insurance industry to continually improve our education model.
  • Continually evaluate curriculum and its ability to prepare our agents for the current market, and then provide feedback and recommendations to Sr. Leadership.


  • Leadership
  • Team-building
  • Developing strategy
  • Creating development plans
  • The ability to build productive relationships with other departments to achieve a common goal


  • Excellent Communication skills
  • Effective Coaching and Development skills
  • Strategic planning skills
  • Experience with course design and content development skills
  • Strong Facilitation skills
  • Versed in written communications
  • The ability to develop strong partnerships with field management
  • Results-driven project Management skills
  • Delegation skills
  • Comfortable and fluid with technology:
    • Outlook
    • Microsoft Word
    • Microsoft Excel
    • Power Point
    • Proficient in conflict resolution


  • Has the ability to develop and implement strategic plans that are aligned with corporate objectives
  • Is responsible for the professional development of the Sales Education Facilitators.
  • Should be seen as a Subject Matter Expert when it comes to classroom training skills, sales training techniques and Trainer Development.
  • Must be able to exercise independent judgment, conduct ongoing personnel and situational assessments and utilize problem solving skills.
  • Can handle complex business and personnel matters with diplomacy and management courage.
  • Has experience with Virtual Education.
  • Would have minimum of (5) years of successful experience in training and management.  An insurance background is a plus.
  • Has earned a college degree

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online


Senior Actuarial Analyst - Glenview, IL


This role reports to the Management Information manager in the actuarial department. The scope of the role includes analysis of all Combined business in North America as well as international countries/regions (including Europe, Pacific, Chile).


  • Must demonstrate excellent analytical skills
  • Good written communication skills
  • Ability to work as part of a team as well as independently
  • Approach job with initiative and creativity
  • Problem solving, desire to self teach


  • Mainly dealing with PULSE data files.
    • supplying data to others
    • determining data quality and integrity
    • testing and follow up on data issues discovered
  • Testing new extracts (PRX, CRX) due to product our country expansion,
  • Analyzing/reconciling PULSE data to financial statements,
  • Producing monthly and quarterly analysis and projections based on PULSE data
  • Work with others in the actuarial departments as well as finance, claims, IT.
  • Ad hoc and regular requests involving persistency reporting and claims reporting.


  • Microsoft Excel and Access
  • Knowledge of Combined’s systems (ex. Admin, claims, finance/accounting)
  • SQL knowledge


  • Bachelor’s Degree

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online.

Senior Sales Trainer - Wilmington, DE

Job Details

A sales trainer (senior level) is a professional position requiring in-depth knowledge and experience. The incumbent is responsible for preparing and facilitating training sessions for Combined Insurance’s new agents and front-line management staff in a classroom setting.

Facilitation includes demonstrating a comprehensive sales approach by reviewing the sales life cycle and product lines. Maintaining a high energy level and positive morale is essential.

The Senior Sales trainer will effectively guide adult learners through programs focused on personal development, selling skills, and activity management. A successful trainer continuously maximizes their student’s effectiveness by utilizing a variety of best practices, techniques and educational concepts.

Major duties:

  • Prepares and facilitates routine training for field agents and front-line management staff members to suit an adult learner.
  • Serve as a SME (subject matter expert) and formally train junior level staff members and lead project assignments on a routine basis.
  • Manages classroom behaviors to ensure participants are adequately engaged in learning and will seek assistance to remove participants who are not and serve as a distraction to the learning process e.g., impacting moral.
  • Performs basic administrative functions to maintain organization and classroom management; tasks could include managing attendance, training calendars, and records.
  • Continuously seeks ongoing feedback and keeps lines of communication open to classroom participants, peers and management team; modifies sessions as needed.
  • Issues assessment tools to monitor participant progress.
  • Consistently monitors and assesses a participant’s performance, trends, and identifies specific skill/gaps to ensure training objectives are satisfied.
  • Provides input and makes recommendations regarding the procedures and practices of agent training.
  • Provides ongoing training support to field agents and account executives; may assist with client-specific training.
  • Performs other related duties and activities as required.


  • Coaching and Mentoring
  • Provides feedback
  • Assess performance
  • Leadership
  • Fosters team commitment
  • Adaptability
  • Listens to others and remains open
  • Quickly adjusts to the situation at hand
  • Learning Orientation
  • Stays up to date
  • Remains positive
  • Persuasiveness
  • Presenting a viewpoint
  • Motivator
  • Influencing a group
  • Communicates to simplify


  • 8-10 years of facilitation experience
  • Proficient in using MS Suite (MS word, Powerpoint, Excel)
  • Sales experience is a plus
  • Organized and detail oriented
  • Ability to communicate with a variety of levels within the organization
  • Ability to work independently and lead others
  • Travel up to 50%

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online.

Senior Systems Analyst - Chicago, IL


This purpose of this position is to lead project design, development and implementations as well as production problem resolutions involving multiple Financial mainframe applications, and business areas within ACE Combined Insurance Company of America (CICA) based in Chicago.


  • Act as primary liaison to business partners Financial portfolio applications
  • Act as primary liaison to 3rd party providers and off-shore/on-shore development team for Financial portfolio applications
  • Manage delivery of assigned projects within approved time and budget following SDLC phases
  • Work with development team, business partners and 3rd party providers to ensure all project issues are resolved in a timely manner
  • Work with development team, business partners and 3rd party providers to ensure all production issues are resolved in a timely manner
  • Proactively manage project and/or production issues/risks and escalate them as needed in a timely manner
  • Provide periodic status reports on assigned projects and issues
  • Interact with the business partners through requirements analysis and design sessions
  • Conduct design and code reviews to ensure that solutions effectively meet business objectives
  • Manage and track project costs, including plan vs actual costs, forecasted estimates to complete, and costs at completion
  • Develop subject matter expertise in the assigned Financial portfolio applications


  • Strong communication and interpersonal skills
  • Excellent writing skills
  • Ability to effectively work with all levels of internal customers, co-workers, external customers and 3rd party partners
  • Ability to effectively coordinate activities of an off-shore development team
  • Excellent analytical skills for identifying, understanding, and resolving issues
  • Proven problem solving and trouble shooting skills
  • Working knowledge of systems development methodologies and project life cycles
  • Knowledge of project management fundamentals
  • Ability to adapt quickly to change and maintain accountability for completion of assigned tasks
  • Proven ability to multitask – balanced yet flexible interpersonal and technical skills for excellent customer support
  • Work experience on mainframe technologies (COBOL, IDMS preferable) with system analysis background
  • Working knowledge of Financial/Accounting processes and practices
  • Proficient in Microsoft Project, Word, Excel, Power Point
  • Bachelors Degree in Computer Science or Equivalent experience (minimum 7 years)
  • Background or familiarity with Life, Accident or Health insurance considered a plus
  • Project Management or Technology certifications considered a plus

To submit your credentials for the above position, please click the Apply Now button. You will be directed to ACE USA, where you can apply online.

Combined Insurance makes G.I. Jobs top 10 Military Friendly Employers

Combined Insurance - A 2013 top ten military friendly employer

G.I. Jobs named Combined Insurance a 2014 Top 10 Military Friendly Employer. We aim to hire 2,000 veterans in 2014. Click below to find out more.

Learn more

Local Agents: Mandana's Story, Territory Manager – Combined Supplemental Insurance
Mandana's Story Territory Manager

Helping my customers understand their policies and our claims process is an important part of my job. I want to make sure each and every one of them is satisfied with their relationship with Combined Insurance.

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