Combined Life Insurance Review [2023]
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.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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, read our Combined life insurance review below. We will discuss the company, its whole life insurance products, rates, industry ratings, and more.
Before 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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Your life insurance quotes are always free.
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What life insurance products does Combined life 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 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 to $100,000 if you add an accidental death benefit rider.
An accidental death benefit rider may also offer coverage in 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:
| Age | $100,000 Policy, Male | $100,000 Policy, Female | $250,000 Policy, Male | $250,000 Policy, Female | $500,000 Policy, Male | $500,000 Policy, Female |
|---|---|---|---|---|---|---|
| 25 | $94 | $85 | $225 | $203 | $444 | $400 |
| 30 | $108 | $97 | $260 | $234 | $514 | $462 |
| 35 | $128 | $113 | $311 | $273 | $617 | $540 |
| 40 | $154 | $132 | $376 | $321 | $745 | $636 |
| 45 | $191 | $156 | $468 | $381 | $930 | $756 |
| 50 | $235 | $192 | $578 | $470 | $1,150 | $934 |
| 55 | $295 | $243 | $728 | $599 | $1,450 | $1,191 |
| 60 | $399 | $312 | $989 | $770 | $1,972 | $1,534 |
| 65 | $528 | $422 | $1,311 | $1,045 | $2,616 | $2,084 |
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 factors, such as your age, health, location, and more.
Are Combined life insurance reviews and ratings positive?
Combined Insurance is an insurance provider with 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 its 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 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 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 with 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.
Frequently Asked Questions
What life insurance products does Combined life insurance offer?
Combined Insurance offers one whole life insurance plan called Family Life Protector, which provides coverage up to $50,000. You can increase the coverage to $100,000 by adding an accidental death benefit rider.
How much does Combined life insurance cost?
The specific rates for Combined life insurance are not available online. However, premiums will depend on various factors such as age, health, location, and coverage amount. Combined’s smaller coverage amounts may provide affordable premiums, but the death benefit will be lower.
Are Combined life insurance reviews and ratings positive?
Combined Insurance has an A+ rating from the Better Business Bureau (BBB) and a financial strength rating of A+ from A.M. Best. However, it has received 1.59/5 stars based on customer complaints through the BBB website.
How can I get a quote or file a claim with Combined Insurance?
To get a quote from Combined Insurance, you can visit their website and use their quote tool. When filing a life insurance claim, you need to download the necessary forms from the company’s website, fill them out, and mail or fax them along with supporting documents.
How can I contact Combined Insurance?
You can contact Combined Insurance by calling their customer service phone number at (800) 225-4500 or (800) 951-6206 for New York residents. Alternatively, you can fill out an online contact form or mail your claims to Combined Insurance, Claim Department, PO Box 6700, Scranton, PA 18505.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
