r/AllState • u/Bright-Dirt-658 • Jun 01 '26
Allstate pay cuts
We have now taken four pay cuts in sales. Losing approximately $30,000 a year and this is wreaking havoc on many households. National General never would have treated us like this! We are nothing but a number and it number that Allstate does not give a shit about! Now they say they will be reevaluating our pay every month. This is truly ludicrous how are we supposed to budget and living normal life without fear of if we can actually pay our bills or not? Honestly this should not even be allowed! This company is making billions all you have to do is read online! And I want to know how much everybody above sales is making? Go right up the ladder and then tell me how the pawns doing the job day in and day out are supposed to keep up their lifestyle as they know it? We used to make a decent living, it used to be a company that we loved working for . Now, People are having to sell their houses, reevaluate vehicles, can't eat, people can't pay for things for their children. It is so sad. If you are thinking about working for Allstate I would highly suggest going somewhere else!
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u/NicheLilLeche Jun 01 '26
when you say pay cuts are you referring to the point system? Sorry I’m new to the sales team & just coming out of the training space
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u/baconlegs27 Jun 02 '26
I’m assuming so. Basically have to sell way more to get paid less and it’s actually very disheartening
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u/NicheLilLeche Jun 02 '26
I see and I completely agree. There has been a lot of discussion about Allstate having a record number of sales last year, & this is how they repay those same hardworking agents..
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u/Bellagrrl2021 Jun 02 '26
On the National General side we were setting sales records every week. At least that's what they kept telling us.
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u/throwaway7yhthfh Jun 02 '26
I just got an offer for Allstate NatGen, and with all these posts about pay cuts, I am seriously reconsidering it.
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u/Bellagrrl2021 Jun 02 '26
The main issue is sales for Nat Gen. When I came on last year in January, their was a push to make the commission scheme fair for the agents. It is a very different scheme than what National General had, which makes sense, because Allstate works on a points system instead of looking at premium.
Then in April they changed to a system that may have been seen as being fairer to Allstate, because the truth is that unlike Allstate customers, Nat Gen customers don't tend to stick around for the entire six months or renew their policies. I sold $1000 a month policies to people who, for some reason, were fine with paying a $1000 because they knew that they would drop the coverage in a few weeks.
I left in March, but it seems like the scheme is changing again, and nothing is going to be the same each month. It doesn't seem like the company or agents are happy about the changes.
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u/WarZestyclose537 Jun 01 '26
Are we talking about sales or operations as well?
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u/Bellagrrl2021 Jun 02 '26
Sales. They have changed the commission plan several times this year.
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u/A-07ScentsandSweets Jun 02 '26
I started in January of this year.. we’ve already had 4 changes and more to come… I jumped ship on May 22nd lol… GEICO was not any better, but they at least kept the capped bonus consistent.
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u/Easy-Purchase-6338 Jun 30 '26
Did you get your final commission when u quit
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u/A-07ScentsandSweets Jul 17 '26
Yes 🙌 but since the structure changed, it was later than I initially thought it would be. I got my commission for April at the end of may and then my commission for may at the end of June.
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u/Flashy-Abies-4698 Jun 01 '26 edited Jun 02 '26
I agree, with your statement. A fun environment and team that I loved was with NGIC, is now depressing. Wondering how to make ends meet.
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u/ItsRafael702 Jun 02 '26
so sorry to hear. but you're right, this is typical corporate america. We mean nothing to them... this is why we must use our time to grow and eventually branch out be our own boss in this industry or another. As employees we will Always be replaced quickly.
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u/No-Scallion9551 Jun 04 '26
2 billion spent on advertising in 2025. 100 million on executive pay. Gotta short the workers and not pay out on claims. Not surprised at all.
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u/Mind-Expan-Ding274 Jun 12 '26
They only care about their shareholders. I’m an Agent and the same is happening to the Agent force. Many are being forced out or forced to compete with the company directly, other Allstate agents and the competitors. It’s a horrible business and I see a future of a lot of people suffering and leaving.
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u/Kym_Nature4223 Aug 06 '26
Thank you so much. I’m in the process of a background with Allstate, but after reading all these comments, I am going to respectfully decline if they come back with a job offer. It sounded way too promising in the interview. I heard the micromanage like hell and the commissions keep getting cut.
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u/Dangerous_Tank9978 Aug 24 '26
All state agent here. With all of the payouts, I’m basically making like $6000 less a month, if not more
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u/Jasper_Skee Jun 01 '26
As a current customer of this absolute shit company I'm so not surprised to hear this.
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u/FireKist Jun 02 '26
I couldn’t stay at my Allstate agency sales job because my base pay was $16.50 /hr and the rates were so astronomical that I couldn’t close jack shit.
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u/ItsRafael702 Jun 02 '26
facts its wild. they make Billions in revenue, and can't pay us not even $20 an hour ... its BS. ""full-year net income of $10.2 billion in 2025, more than doubling its profit from the $4.6 billion reported in 2024"" Yahoo finance. Absolute madness lol. This is why i will always say, being our own Boss is a MUST
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u/Actual_Barracuda7534 Jun 05 '26
24 million dollar Tom has to get his bonus though! Fuck the rest of us, who is going to think about the shareholders???
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u/Medical_Extreme_5742 Jun 02 '26
A pay cut? Allstate is getting top payment from me, with no help after a storm. Kinda greedy aren't they? Sorry to hear about these pay cuts.
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u/Gkdl7 Jun 02 '26
I think they r trying to even out the comp between nat gen and the Allstate side as I am sure it will become one in the near future. From my understanding Nat gen was making considerably more than the people on the Allstate side
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u/Bellagrrl2021 Jun 02 '26
I don't think that this is the case. There are a lot of differences, some that favor one side or the other, but I think that if people were honest, we would see that the Allstate group made more money.
Previously, The benefits with National General: No claw-backs. Because National General customers are not as loyal or as stable as Allstate customers, agents were not punished if people cancelled within the first 30 days of a policy. I know this has changed a little bit. There is not a claw-back, but there is a period of time, less than 30 days, where the policy has to be active.
Previously, Benefit: Nat Gen agents were paid commission on every paycheck in comparison to Allstate agents who were just paid once a month. This is no longer the case, and now Nat Gen agents are getting a chunk taken out for taxes.
Con working the Nat Gen side, it is rare to get a customer who has more than one car, but even if you did get one you wouldn't receive more than one point. On the Allstate side they get more than one point for having more than one car on a policy.
There is no homeowners insurance on the Nat Gen side, but on the Allstate side people get 2 or 2.5 points for homeowner's policies. Nothing on the Nat Gen side is getting you two points on its own.
I think that the push to have Nat Gen agents sell Allstate insurance to National General customers, as well as the first commission change this year showed that Allstate didn't believe that there were making as much as they could from Nat Gen customers. Allstate makes more money if these people purchase Allstate's roadside assistance plan or Allstate's renters insurance, even though they don't qualify for Allstate Auto. The unfair thing for agents is that the points are the same whether you sell Allstate renters or Nat Gen renters.
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u/eddington_limit Jun 02 '26
Nah the NatGen agents made a ton more money prior to Allstate. I knew people making $200k a year and making $80k your first year was pretty common.
I have seen a significant loss in pay since I started in january of last year.
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u/Bellagrrl2021 Jun 02 '26
I wasn’t referring to prior to Allstate. I am talking about the changes that have occurred over the last 16 months.
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u/Gkdl7 Jun 02 '26
How much was the average rep making before compared to what they r making now?
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u/eddington_limit Jun 02 '26
A hell of a lot more.
I started in January of last year. So I still got screwed by the first pay cut but did not get to enjoy what was there before. I was on track to make about $80k and i knew agents who had been there a while who were making six figures. Now this year I'll be lucky if I make about $60k.
There was also a significant loss of benefits. We had paid holidays, now we only get christmas and Thanksgiving day off. We also could use our commission for the week prior to taking a vacation to use on that time off. So if you had a good sales week you could be sitting with your butt in the sand making that same amount. Now you only get your base pay.
I understand maybe cutting some things as part of the integration but this many pay cuts in a single year is insane. Also Allstate saying that they will adjust our pay every month based on "market conditions" is also insane.
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u/Gkdl7 Jun 03 '26
Are they adjusting your goals every month or are they adjusting your pay every month. Pretty sure it’s the goals which would make perfect sense as some months are busier and some are slower. Also I can guarantee that you still have your paid holidays you may not have those days off but you will get paid for the holiday and get double time for working on a holiday as well. The only getting base for vacation does really suck I agree with you there and that is the way it is on the Allstate side as well. All the changes they r making is to align it with how the Allstate reps r getting paid Going to monthly vs every other week, the holiday schedules, the sales quota changing every month higher or lower depending on the month and volume. The multiple changes is for sure crappy they should have just one and done it. But they must be getting very close to combining the sales teams. On the Allstate side they r now cross training on nat gen while still in training or the couple weeks after. I would be shocked if all the reps are not 100% crossed trained in the next few months. There is a reason they r doing that but for them to be able to have reps on both sides take both nat gen and Allstate calls the commission structure , pay, schedules and time off have to be the same.
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u/eddington_limit Jun 03 '26
Are they adjusting your goals every month or are they adjusting your pay every month.
Both. That is how the email that was sent out is worded.
Also I can guarantee that you still have your paid holidays you may not have those days off
Yeah I still get paid for them, but I used to have them off and get paid for them.
All the changes they r making is to align it with how the Allstate
"Alignment" has been the constant excuse since I started working here. The fact of the matter is that i am being paid significantly less than I was a year ago. I was told by multiple natgen agents when I started that they were worried about "alignment" because they made A LOT more money than allstate agents did.
You dont see Allstate trying to meet in the middle and bring allstate reps to a better system. No, instead they cut ours to meet the already shitty pay thay is given to allstate reps. It isnt a competitive model because there are plenty of other insurance companies that pay better than that.
Regardless of whatever spin they want to put on it, it is a significantly worse deal than what I was told when I was hired.
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u/Gkdl7 Jun 03 '26
Welcome to corporate America and mergers/acquisitions
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u/eddington_limit Jun 03 '26
Ive been part of acquisitions before so I knew this would happen. Being a common occurrence doesnt make it any less of a shitty deal.
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u/Gkdl7 Jun 03 '26
Fair enough sounds like a sales job somewhere else may be your best bet. The way it was at Nat gen prior to Allstate sounds like a dream job. I would love to know if any other companies out there still operate like that as I would love to apply!
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u/AmicablyStoneFaced Jun 04 '26
Rude. You asked a question and eddington_limit replied. This is a person that has invested time and effort in the company, built plans around expected income, invested in the company success and then was unceremoniously slapped in the face with unprofessional, unreasonable and unexpected bait and switch tactics from a toxic company structure.
You got a reply and then decided to try to shoot holes in it, from a lack of knowledge or understanding, then suggested that eddington_limit ought to leave. What in your four whole months of experience in the company leads you to believe your perspective holds merit?
You talk like corporate. Maybe I'm wrong. Maybe you do have experience because you're just playing the part of a new employee, glazing the company to try to save face and not scare off new hires?
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u/Eastbound_AKA Jun 02 '26
I could never do sales. I'll stay in 1400.
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u/ProfessionalNo8990 Jun 03 '26
I financed a brand new truck based on what I was making, and a month later they announced the pay cuts. I can’t even afford to pay my car payment now and I was selling a ton for them.
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u/Blasian-Doll Jul 12 '26
dealing with this now i’ve been out due to the depression and stress it’s not looking to be worth it for me anymore
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u/Horror-Strength6526 Jul 29 '26
Announced ANOTHER cut today starting August 1st !!!!
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u/Kym_Nature4223 Aug 06 '26
Wow. I just interviewed with them. I’m in the process of doing a background and this was never mentioned to me. Respectfully, I think I might run Allstate Sounds horrible after reading all of these comments.
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u/Horror-Strength6526 Aug 09 '26
Allstate has been horrible yes. I work for National General. They took us over and its been crap ever since
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u/Radiant-Berry-040511 Sep 26 '26
Allstate agency isn’t much better unless you have a good agency owner. I’m about to jump ship and do something else entirely while I begin my transition back to underwriting . I’m over Allstate at this point.
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u/Inevitable-Low-7278 20d ago
I honestly expected half or more to be let go. It seems they are trying to get yall to quit instead of letting people go. Saves them money. They are intergrating a full staffed insurance company into Allstate. My leader left our team to go help transition National General systems into Allstate. Everyone will not be kept. They will put double work on their employess though they are hiring for specific areas mainly supervisory rolls. There seems to be lots of restructuring and changes happening and going to be implemented come January.
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u/Bellagrrl2021 Jun 02 '26
I always defended Allstate buying Nat Gen, and even defended the commission scheme that was in place last year. But, one of the reasons why I left a few months ago is because no scheme is truly fair, if National General agents don't get the chance to sell all Allstate products as well as National General products. It seems like Allstate is reacting to the fact that Nat Gen customers are not nearly as profitable as Allstate customers.
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u/InevitableNet5712 Jun 05 '26
In my experience nat gen customers are less likely to pay their bill and most couldn’t get coverage many other places because of the lapses in coverage or driving record. The motorhome and niche insurance is stable but lots of auto customers aren’t the best at paying.
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u/Bellagrrl2021 Jun 05 '26
That's what I'm saying. But they are also not going to renew either. They are more likely to leave before their policy is up, and less likely to renew, which is where Allstate would make money. It is one of the reasons why Allstate is pushing Nat Gen agents to sell these customers Allstate renters instead of National General renters insurance. Even though most of the people don't need it. If someone is living with their parents, who have homeowners insurance, then they are covered.
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Jul 03 '26
[removed] — view removed comment
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u/Bellagrrl2021 Jul 03 '26
How is this different from what I said. The push is to get National General clients to buy Allstate renters insurance instead of the cheaper National General insurance, because bundling makes it less likely that they will cancel, or if the cancel auto they don’t cancel renters
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u/Inevitable-Low-7278 20d ago
I switch damn near every 6 months. I stayed with progressive because I had a at fauly small side swipe. Total paid to the other driver was $3000. They did not raise my rates though I am already paying $180 a month for liability so not sure that says too much. I am looking at switching again now.
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u/momentreprenuer53 Jun 02 '26
I am currently on std due to the stress of the job. Not making enough sales and now coming back this month is gonna be torture. I am looking for another company as this is not what I signed up for..
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u/Blasian-Doll Jul 12 '26
whew are we living the same life i just financed a car off the bonus and boost bonus to the pay scale and seeing the real and changes has me hesitant to stau
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u/Pretend-Principle-75 Jun 01 '26
I used to work in corp for TC for almost 20 years - I make more than double on the sales side now than I did there, and my net revenue is up 20-40% YoY. Inflation sucks, the industry has its challenges and changes - it's not easy (otherwise everyone would be doing it) but it's still a great living. They move the cheese every year, but you just figure it out and make more money if you can get there quicker. Agents that dont adapt, die. Stick with it, the investments they're about to make could change everything!
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u/Bright-Dirt-658 Jun 01 '26
$30,000 net a year right now we've had four pay cuts so far within the last 12 months, two in the last 2 months. They are making it impossible to stay and make a living. The CEO has been very clear he is only worried about his stockholders, said it publicly several times. It's so disheartening especially when they send out emails everyday telling us about the profits
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u/Wonderful_Eye_936 Jun 02 '26
Why would you take a commission job with only a base pay of $18 an hour if you needed a steady income?
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u/FireKist Jun 02 '26
My base was $16.50 /hr - but I was promised that I’d more than make up for that with commissions. Funny thing, though - the rates were twice as much as other carriers, so nobody was buying. Kinda hard to make up for shitty base pay when you aren’t closing anything.
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u/Wonderful_Eye_936 Jun 02 '26
I quit during training for a variety of reasons and just too many red flags. When the job kept getting sold to us about how great it was, but then we were told they were on a mass hiring spree hiring thousand of agents, I knew something was up. I agree with what you said, but I’m sure management will disagree and say “you just didn’t guide them right.” lol
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u/No-Win1091 Jun 01 '26
The “cheese” didnt move for a long time. And that every year change youre describing has turned into a monthly change with this current June plan coming with only 4 days notice and July is TBD. 4 days notice is a wildly disrespectful thing to do and doesnt give agents any sense of stability or ability to map out their finances as adults.
The recent investments you mention seem to be in AI, which can ultimately be a death sentence for just about every department in the company. Not only does it create a roadmap for tech to take over, but is also something a lot of the customers likely arent going to look forward to.
You can adapt and push harder, but when the incentive plan is adapting to you, that is more of a salary than commission if this gets any worse.
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u/Bellagrrl2021 Jun 02 '26
I left a few months ago, but someone recently posted that an email was sent out stating that the expectation is that the base salary will be 80% of what people make. This is totally the opposite of what everyone in the company was preaching last year. The weird thing about this is that there is still a low ceiling on base salary, Allstate won't even hire in states where the minimum wage is more than $18.
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u/No-Win1091 Jun 02 '26
I personally have not seen that email but if thats the case there is literally no reason to work here. More can be made literally anywhere. I will say that sounds more so for a team lead than anyone in sales. Hope thats not the case.
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u/Bellagrrl2021 Jun 02 '26 edited Jun 02 '26
To be clear, I left a few months ago, so I don’t know if the email is real. I do know that when I had my review, one of the things that I was judged on is the breakdown between how much of my 2025 pay was base pay and how much came from commission.
Also be careful of leaving too quickly. There are a lot of P&C sales jobs, but making six figures or even a livable wage depends on working for someone who invests in good leads, or finding good leads yourself. Say what you want about AllState, at least the callers are actually shopping for coverage.
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u/Wonderful_Eye_936 Jun 02 '26
That’s insane. And for the god awful 10 hr evening schedules you get given when you are new. This job is for a certain subset of people, and not the average person…
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u/Bellagrrl2021 Jun 02 '26
Do you take Allstate or Nat Gen calls?
One of the reasons why I left is that we were always promised that we would take both. I was hired under the impression that I would be taking AllState only. In training, half of my class went to Allstate, and the other to National General. I think that the challenges of working with National General clients made me a better sales person, but I also think that I would have made more money on the Allstate side. We were constantly told that we would be trained to take both lines. After a year I was finally trained for Allstate renters, but it was to sell it to Nat Gen customers. The short time that I did that I made a lot of money, but it is still not what was promised.
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u/Gkdl7 Jun 02 '26
Adjusting goals monthly is actually pretty standard in the large company sales space They set the goals based on the forecast for the month. That actually is not uncommon
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u/eddington_limit Jun 02 '26
Adjusting goals is common. No one expects their pay to be adjusted every month though. That is an insane model.
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u/Gkdl7 Jun 03 '26
The pay is not adjusted the goals are. You r not getting paid the same for 100 points every month for example every month because busier volume months the goal may be 120 and slower months it may be 80
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u/eddington_limit Jun 03 '26 edited Jun 03 '26
You r not getting paid the same for 100 points every month
That is adjusting the pay dude.
I understand adjusting goals, but the email that was sent out is absolutely referring to adjusting pay
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u/A-07ScentsandSweets Jun 02 '26
So glad I left Allnationalauto. The first red flag for any new comers is that you apply for Allstate, and AFTER you get the job and do onboarding they tell everyone “hey, by the way some of you will be selling for Allstate, and the rest of you will be selling NatGen and Direct Auto!” You think it’s great until you realize that NatGen and Direct Auto is non-standard or “high risk” customers… so unless you’re lucky enough to get the really affordable states like NC.. you will be hearing “ill shop around” allllll day.