Combined Life Insurance Review [2021]

Our Combined life insurance review discusses the company's life insurance products, rates, industry ratings, and more. Combined Insurance offers one whole life insurance plan with up to $50,000 in coverage, which may be increased up to $100,000 with an accidental death benefit rider. Learn more below about Combined Life Insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Combined Insurance was founded in 1922 and is a subsidiary of Chubb, the world’s largest publicly traded property and casualty insurance company.
  • The company offers only one whole life insurance policy, known as Family Life Protector, which offers up to $50,000 in coverage.
  • Combined and Chubb both have excellent ratings from the BBB and A.M. Best.
  • Combined may be a good choice for individuals looking for supplemental insurance but not those looking for higher coverage amounts.

Combined Life Insurance Company is a large provider of supplemental insurance and is owned by the world’s largest publicly traded property and casualty insurance companies.

If you’re considering buying life insurance from Combined, make sure to read our Combined life insurance review below. We will discuss the company, its whole life insurance products, rates, industry ratings, and more.

Before you begin reading, enter your ZIP code into our free quote comparison tool above to compare life insurance quotes from companies in your area today.

What is Combined Insurance?

Combined Insurance Company of America was founded in 1922 by W. Clement Stone. It is one of the top sellers of individual and supplemental health, life, disability, and accident insurance.

Combined Insurance is headquartered in Chicago, IL but has offices across North America, Europe, Latin America, and the Pacific. Combined is a subsidiary of Chubb, the world’s largest publicly traded property and casualty insurance company.

Chubb has been named Hispanic Network Magazine’s Best of the Bests Lists in 2018 as the top diversity employer in the US, Victory Media’s Top 100 Military-Friendly Employers, and Ward’s Top 50 Performing Life-Health Insurance Companies.

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What life insurance products does Combined Insurance offer?

Combined only offers one whole life insurance plan, known as Family Life Protector. Whole life insurance is a type of insurance that will last as long as you pay your premiums or you reach the maximum age (usually around 121).

Family Life Protector from Combined offers up to $50,000 in coverage. However, this coverage amount can be increased up to $100,000 if you add an accidental death benefit rider.

An accidental death benefit rider may also offer coverage in the event of accidents where you are injured or disabled. For example, employees of the state of Oregon get payouts based on the type of injury.

How much is Combined life insurance?

Combined life insurance rates are not available online, but to give you an idea of what you might pay for whole life insurance, take a look at the table below:

Average Monthly Whole Life Insurance Rates by Age & Gender
Policyholder Age$100,000: Male Average Monthly Rates$100,000: Female Average Monthly Rates$250,000: Male Average Monthly Rates$250,000: Female Average Monthly Rates$500,000: Male Average Monthly Rates$500,000: Female Average Monthly Rates
25$93.70$84.91$225.12$203.14$444.14$400.19
30$107.71$97.35$260.14$234.24$514.19$462.39
35$128.24$112.93$311.47$273.19$616.84$540.29
40$153.90$132.15$375.62$321.24$745.14$636.39
45$190.79$156.17$467.84$381.29$929.59$756.49
50$234.90$191.66$578.12$470.02$1,150.14$933.94
55$294.84$243.17$727.97$598.79$1,449.84$1,191.49
60$399.24$311.63$988.97$769.94$1,971.84$1,533.79
65$528.00$421.69$1,310.87$1,045.09$2,615.64$2,084.09
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You should keep in mind that Combined offers smaller coverage amounts. So premiums may be lower and provide affordable Combined life insurance, but your death benefit won’t be as high.

Your premiums will also depend on multiple different factors, such as your age, health, location, and more.

Are Combined ratings positive?

Combined Insurance is an insurance provider that has an A+ rating from the BBB. It has closed 21 customer complaints through the BBB website in the past year, giving it a 1.59/5 star rating.

A.M. Best has given Combined a financial strength rating of A+, which means that it has a superior ability to meet its financial obligations.

Chubb does not have a full financial strength rating from A.M. Best, but their long-term issuer credit rating is ranked A+, meaning it has an excellent ability to pay off long-term debt.

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How can I get a quote or file a claim?

Combined Insurance quotes for a life insurance policy can be found on its website (www.combinedinsurance.com). You can hover over “Products & Services,” click on “Life Insurance,” and you’ll see the link to start a quote right at the top of the page. Make sure to browse the coverage options offered by Combined Insurance Company. Have the type of coverage and plan options you need in mind when you get a Combined Insurance quote.

While Combined offers multiple ways to file claims, life insurance claims must be either mailed or faxed. You can download the necessary claims forms from the company’s website and mail them in or fax them with the supporting documents.

You will need the policy number, policyholder’s name and birthday, a death certificate, and obituary notice to file a claim.

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How can I contact Combined Insurance?

Policyholders can contact Combined Insurance through its customer service phone number, which is (800) 225-4500 or (800) 951-6206 (for New York residents).

There is also a basic online contact form that you can fill out if you don’t want to contact Combined by phone.

The mailing address for claims is Combined Insurance, Claim Department, PO Box 6700, Scranton, PA 18505.

Should I buy Combined life insurance?

Combined Insurance is a reputable company that has been in business for almost 100 years. It is also owned by a very big insurance company that has a good reputation for this type of coverage. Both companies have good ratings from the BBB and A.M. Best.

However, not all insurance plans through Combined Insurance Company are offered in all states, and its plan options may not be enough coverage for most people.

If you’re looking for higher coverage limits, you may want to choose another company, but Combined might be a good choice for individuals looking for supplemental insurance.

If you need help finding affordable life insurance, enter your ZIP code into our free quote comparison tool below.

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