Pros
If you have no scruples, you will do well selling their products. I have nothing good to say about this company.
Kontras
My first job was at Combined and I was on the retention team. When customers called to cancel their policies, it was my job to retain their business. Time and time again, the same sales agents' customers would call to cancel. Agents were selling the policies like that of a large reputable company's disability / life product (ie: GWL, Sunlife, Manulife, etc). When it was time to claim, people were shocked when they were told they had barely any coverage. We reported the scamming agents, but it was evident the company did not care. They purposely targeted rural areas and low income neighbourhoods, preying on the ignorant, illiterate and uneducated. I could not wait to get out of there.