Combined Life Insurance Review [2025]

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.

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.

Read more: Life Insurance vs. Accidental Death & Dismemberment (AD&D) Insurance: Which Is Better for You

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:

Whole Life Insurance Monthly Rates by Age, Gender, & Coverage Level

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.

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.

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.

Comprehensive Guide to Combined Insurance: Products, Reviews, and Comparisons

What Is Combined Insurance?

Combined Insurance Company, headquartered in Chicago, is a prominent provider of life and supplemental insurance products. As a subsidiary of Chubb, it offers various types of coverage including health, accident, and life insurance. Known for its Family Life Protector plan, Combined Insurance aims to provide accessible and reliable insurance solutions.

Combined Insurance Reviews and Ratings

When evaluating Combined Insurance reviews and ratings, it’s important to consider several aspects of their offerings and customer feedback. Combine life insurance with other products to get a fuller picture of how Combined Insurance performs. Based in Combined insurance in Chicago, the company is part of a broader network with a significant presence in the insurance industry.

For any inquiries or further details, you can reach out to them using the Combined insurance phone number provided. These elements collectively contribute to understanding the overall customer experience and satisfaction with Combined Insurance.

Customer Feedback

Combined Insurance reviews reflect a mix of opinions. The company holds an A+ rating from the BBB but has a relatively low customer satisfaction score due to some complaints. The company’s financial strength is rated A+ by A.M. Best, indicating a strong ability to meet its financial obligations.

Combined Insurance Company Reviews

Reviewing Combined Insurance Company reviews reveals that while the company is reputable and well-established, some customers have experienced challenges with customer service and claims processes. It is essential to consider both positive and negative reviews when evaluating insurance options.

The Truth About Combined Insurance

While Combined Insurance is a reliable provider, some customers may find its coverage limits and premiums less competitive compared to other options. Transparency in policy details and customer feedback can help potential policyholders make informed decisions.

Comparing Combined Insurance to Other Providers

Combined Insurance vs. Aflac

When comparing Combined Insurance vs. Aflac, it is important to note that both companies offer supplemental insurance but with different strengths. Aflac is known for its extensive supplemental health coverage and positive customer reviews, while Combined focuses on whole life insurance and accident coverage.

Aflac Life Insurance Reviews

Aflac’s life insurance reviews generally highlight strong customer service and comprehensive supplemental policies. Comparing these reviews to Combined Insurance reviews can help you determine which provider aligns better with your needs.

Insurance Products and Premiums

Combined Insurance Premium and Premiums

Combined insurance premiums vary based on factors like age, health, and coverage amount. Understanding the Combined Insurance premium structure and comparing it with other providers can help you find the most cost-effective solution for your needs.

Combined Insurance Payout Chart

The Combined Insurance payout chart provides detailed information on how benefits are paid out under various policy conditions. Reviewing this chart can help you understand potential payouts and how they align with your coverage requirements.

Combined Insurance Life Insurance

The Family Life Protector plan from Combined Insurance offers up to $50,000 in coverage, which can be increased to $100,000 with an accidental death benefit rider. It is a suitable option for those seeking a straightforward life insurance policy.

Combined accident insurance

Combined Insurance also offers accident insurance, which provides benefits for injuries and disabilities resulting from accidents. This coverage can be particularly useful for individuals seeking additional protection beyond standard health insurance.

Combined health insurance

In addition to life and accident insurance, Combined provides health insurance options. Evaluating these policies alongside Combined health insurance reviews can help you choose the best health coverage for your needs.

Additional Information and Contact

Combined Insurance Customer Service and Phone Number

For assistance, you can contact Combined Insurance at (800) 225-4500 or (800) 951-6206 for New York residents. Their customer service team is available to help with inquiries, claims, and policy details.

Combined Insurance Agency and Combined insurance in Canada

Combined Insurance operates in various regions, including Canada. Contacting a local Combined Insurance agency can provide more tailored information about policies available in your area.

Combined and Chubb insurance and Chubb health insurance reviews

As a subsidiary of Chubb, Combined Insurance benefits from Chubb’s strong reputation. Combined and Chubb insurance and Chubb health insurance reviews highlight the parent company’s extensive experience and financial stability.

American Combined Insurance and CICA Insurance Reviews

American Combined Insurance, often referred to in discussions about CICA Insurance reviews, offers additional perspectives on the company’s performance and customer satisfaction.

Combination of Insurance

Combination of insurance refers to policies that blend different types of coverage. Exploring how Combined Insurance integrates various insurance products can help you tailor a policy that meets multiple needs.

Understanding the range of products and customer feedback about Combined Insurance is crucial for making an informed decision. Comparing Combined Insurance to other providers, such as Aflac, and reviewing the various aspects of its coverage can help you select the best insurance solution for your needs. For more information, use the contact details provided to get in touch with Combined Insurance directly.

Comprehensive Overview of Combined Insurance: Key Information and Resources

Understanding Combined Insurance Coverage

Combined Insurance offers a range of coverage options designed to meet various needs. In NY, Combined insurance premiums may vary based on factors like age, health, and coverage level. The company provides essential insurance products including whole life insurance and accident policies.

Additionally, Combined insurance income protection is available to support policyholders in the event of a loss of income due to disability or other qualifying conditions. By understanding these options and how premiums and benefits are structured, individuals can make informed decisions about their insurance needs.

Combined Insurance Coverage Options

• Whole Life Insurance: Combined Insurance offers the Family Life Protector plan, providing coverage up to $50,000, with options to increase to $100,000 through an accidental death benefit rider.
• Accident Policy: The Combined accident insurance policy offers benefits for injuries and disabilities resulting from accidents.
• Income Protection: Combined Insurance provides income protection coverage to help with lost income due to disability or other qualifying events.

Reviewing Combined Insurance Benefits and Payouts

• Benefits: Includes whole life insurance with an optional rider for increased coverage, accident insurance, and income protection.
• Payouts: Understanding Combined insurance payouts involves knowing the amount and conditions under which benefits are paid out.

Combined Insurance in Different Regions

Combined insurance in Canada Reviews

• Overview: Reviews from Canada may highlight regional differences in coverage and customer service.
• Customer Feedback: Check for Combined insurance in Canada Reviews to assess the service quality and coverage specifics in Canada.

Combined and Chubb Insurance Integration

• Parent Company: Combined Insurance is a subsidiary of Chubb, benefiting from Chubb’s extensive resources and reputation.
• Impact: How Combined and Chubb Insurance affiliation enhances their insurance products and customer support.

Filing Claims with Combined Insurance

How to File a Claim

• Combined insurance claim: Initiate a claim by contacting customer service or using their online tools.
• Combined insurance claim form: Download the Combined insurance claim form from their website.
• Combined insurance claim form online: Access and complete the form online for convenience.

Contact Information for Claims and Customer Service

• Combined Insurance Claims Phone Number: Reach the claims department for assistance.
• Combined Insurance Customer Service Number: For general inquiries and support.
• Combined Insurance Fax Number: Send claim forms and documents via fax if preferred.

Address and Contact Details

• Combined Insurance Address: Physical address for mailing claims and correspondence.
• Combined Insurance Contact Number: General contact number for reaching Combined Insurance.

Additional Resources

Combined Insurance Agent

• Role: Agents assist with policy questions, claims processing, and coverage details.
• Finding an Agent: Contact Combined Insurance to find a local agent.

Combined Insurance of America Phone Number

• Specific Contact: Direct phone number for Combined Insurance of America for inquiries.

Combined Insurance Death Claim Form

• Purpose: Required for processing claims related to death benefits.
• Obtaining the Form: Available on the Combined Insurance website or through customer service.

Employee and Customer Reviews

Combined Insurance Employee Reviews

• Insights: Feedback from employees about working at Combined Insurance.
• Company Culture: Understand the work environment and employee satisfaction.

Combined insurance Erfahrungen

• Customer Experiences: Reviews and experiences shared by customers to gauge satisfaction and service quality.

Contact Information Recap

• Combined Insurance Number: General contact number for Combined Insurance.
• Combined Insurance Company of America Phone Number: Specific contact number for Combined Insurance of America.

By reviewing these aspects, potential policyholders and current customers can gain a comprehensive understanding of Combined Insurance’s offerings, customer service, and regional considerations.