Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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: Mar 22, 2021

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The Facts of Life

  • Combined Insurance Company of America sells supplemental health, disability, accident, and life insurance
  • The only Combined life insurance policy available, Family Life Protector, is a whole term policy with a death benefit reaching up to $50,000
  • Combined Insurance has an A+ (superior) financial rating from A.M. Best but received low customer service reviews online

Combined life insurance, founded in 1922 in Chicago, Illinois, sells supplemental health, disability, accident, and life insurance.

By comparing quotes from the best life insurance companies in your area, you’ll secure your lowest prices.

Below, see what policies Combined insurance sells, compare ratings and reviews, and determine if you should buy Combined life insurance products.

Remember, the Combined life insurance company is just one of many great providers out there. Do some comparison shopping by entering your ZIP code into our free quote tool above to receive rates from reputable providers near you.

What is Combined life insurance?

The Combined Insurance Company of America writes supplemental health, disability, accident, and life insurance policies globally.

The company sells policies to both individuals directly and to companies as employee benefits.

Combined life insurance rates are not publicly available. However, you can get a Combined life insurance quote quickly through the website by clicking the “get covered” button.

There, you can also connect with a Combined agent.

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What insurance products does Combined offer?

Combined sells both individual and employer insurance products, including life insurance, supplemental health insurance, disability insurance, and accident insurance.

The only life insurance plan offered by Combines is a whole life insurance policy called Family Life Protector.

You’ll have to look elsewhere for term life insurance options.

The death benefit reached up to $50,000. You can add an accidental death benefit rider to increase the coverage to $100,000.

There are three supplemental health insurance products available through Combined, including Cancer Protector, Cancer Care Protector, and Critical Care Protector.

Cancer Protector is a lump sum paid out if you’re diagnosed with one of the specific types of cancers listed on the policy. The policyholder can use the cash benefit in any way they choose.

Cancer Care Protector covers the costs of long-term treatments as well as cancer recovery.

Critical Care Protector also provides you with a lump sum benefit of up to $50,000, depending on what policy you choose.

Critical Care Protector covers the following 11 ailments:

  • Heart attack
  • Stroke
  • Multiple sclerosis
  • Paralysis (two or more limbs)
  • Dismemberment
  • Severe burns
  • Blindness
  • Heart surgery
  • Brain tumor (surgery required)
  • Kidney failure

On the website, Combined claims most customers receive benefits as soon as the next day.

The disability insurance options are two income-replacement policies.

Income Protector pays monthly benefits and replaces income for up to two years, but it is independent of an employer.

SickPay Plus is a shorter-term plan designed more for illness or injury rather than total disability.

As long as you’re under a doctor’s care for an illness or injury preventing you from working, you’ll receive income replacement for up to six months.

The two accident insurance options include an accident-only plan and an accident and sickness combined plan.

For all Combined insurance products, whenever possible, benefits are paid directly to you and not to the facility where you received treatments.

How does Combined life insurance work?

To seek out a Combined life insurance quote, go to the company website and follow the steps to get covered.

Alternatively, you can also talk directly with one of the Combined agents. Once you choose a policy, you’ll create an online account.

You can manage everything relating to your policy through the online account, including filing and tracking claims, making any policy updates or adjustments, and even submitting payments.

You can submit claims by mail or over the phone. However, according to the Combined website, customers who use the online claims center receive payments up to 10 days faster.

All U.S. residents except New York State can call 1-800-225-4500 during regular business hours. New York residents must call 1-800-951-6202.

The claims center provides helpful tips and lists of what is needed from you to help you file a claim with ease. The necessary forms are also available.

What are the Combined life insurance ratings and reviews?

Overall, Combined life insurance financial ratings and reviews remain positive. The company received an A+ (superior) financial rating from A.M. Best.

While not technically accredited with the Better Business Bureau (BBB), it received an A+ (excellent) score from the BBB.

You can trust that, financially, Combined life insurance is stable enough to close out claims even in the event of an economic downturn.

Unfortunately, customer reviews lean negative online for Combined life insurance.

Combined’s complaint index is 1.78, higher than the national average, as recorded by the National Association of Insurance Commissioners (NAIC).

In other words, this company receives more complaints than average for a company of its size.

Combined Insurance Company of America controls 0.05 percent of the American market share.

Most clients reference difficulties reaching customer service representatives, claims moving too slowly, and even missing or never receiving repayments.

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What is the history of Combined life insurance?

Originally called the Combined Registry Company, American Casualty Company acquired Combined after the Great Depression, leading to the Combined Mutual Casualty Company’s formation.

By 1947, the name changed again to the Combined Insurance Company of America.

Throughout the 1950s, Combined sold insurance products in both America and Canada, leading to the formation of the Combined International Corporation.

In 1982, Combined International Corporation merged with Ryan Insurance Group, forming Aon.

Aon sold Combined Insurance Company in 2008 to ACE Limited, which eventually acquired Chubb, adopting the name.

Today, the company has over 1 million customers and sells products through independent agents across the globe.

You’re now prepared to compare affordable Combined life insurance quotes to other policies from reputable providers.

Comparison shopping online helps you secure your best life insurance prices.

Keep our Combined insurance review in mind while you shop around; enter your ZIP code into our free quote tool below to immediately receive rates from the top companies near you.