Combined Insurance Company Review

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Combined Insurance Company at a Glance

  • Founded in 1922
  • Offers coverage to individuals and businesses
  • Offers supplemental life and health insurance products
  • A Chubb company
  • A leading provider of supplemental coverages
  • “A+” (superior) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Coverage available nationwide
  • Offers online claims reporting
  • Affordable premium rates
  • Good customer feedback

Combined Insurance Pros: A well-established carrier with nearly a century of experience in the insurance industry. Very high ratings through A.M. Best and the BBB. Offers supplemental life and health coverages to individuals and employers. Impressive parent company. Strong financial stability. Coverage offered nationwide. Excellent customer service.

Combined Insurance Cons: No 24/7 phone claims reporting or customer service options. Somewhat limited selection of coverages.

What Types of Insurance Does Combined Insurance Offer?

Combined Insurance is a specialty insurance carrier, with a focus on life and health insurance products. Their coverages include:

  • Supplemental health insurance
  • Accident insurance
  • Disability insurance
  • Life insurance (whole)
  • Critical illness insurance

If you’re an individual or employer in the market for any of these supplemental life or health insurance products, Combined Insurance may be the right carrier to meet your needs.

What to Know about Combined Insurance

Combined Insurance Company of America was founded in 1922, giving the carrier just under a century of experience in providing quality coverage. Combined Insurance is considered a leading provider of both individual and supplemental health, accident, disability, and life insurance in the US. The carrier’s financial size category is ranked at $100-$250 million.

Combined Insurance is a company of Chubb, one of the US’s leading commercial lines insurers, and the world’s largest publicly traded P&C insurance company. The carrier has also been ranked as the top Military Friendly Employer and one of Ward’s Top 50 Performing Life-Health Insurance Companies. Combined Insurance reportedly draws in $933.98 million in annual revenue.

Thanks to its rich history, huge parent company, and impressive financial strength, Combined Insurance has become known as a stable insurance provider with a strong outlook for the next century. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Combined Insurance an “A+” rating, indicating the carrier is a superior choice for insurance customers. A high rating from A.M. Best assures customers that Combined Insurance is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound company in the long term.

What Discounts Does Combined Insurance Offer?

While Combined Insurance unfortunately does not make information about their specific discounts readily available, there are several common discounts offered by many modern insurance carriers on comparable products. These discounts include:

  • Safe premises discount: Offered to employers on disability insurance if they provide a workplace with few occupational hazards for employees. 
  • Formal safety plan discount: Offered to employers on disability insurance if they have a formal safety plan in place on the job site to protect their employees from harm.
  • Smoking cessation program discount: Offered to employers on health insurance if they have a smoking cessation program in place for employees.
  • Young applicant discount: Offered to life insurance applicants who purchase coverage when they are younger, such as in their 20s or 30s.
  • Safe hobbies discount: Offered to life insurance customers who practice safe, non-life threatening hobbies (e.g., no skydiving) with cheaper premiums. 

An independent insurance agent can help you find exact discounts offered by Combined Insurance, as well as provide you with quotes and help answer any other questions you may have.

Combined Insurance Customer Service

Combined Insurance allows customers to file claims online or over the phone. The carrier also provides the following customer service options:

  • Snail mail claims reporting.
  • Fax claims reporting.
  • General inquiries contact form on website.
  • Customer service and claims hotline has the following hour restrictions:

Hours (CST)

Monday-Friday 7:30 am - 6:00 pm

Combined Insurance sells insurance through a wide network of agents, including independent insurance agents. These agents can help make customer service easier for you by handling claims and other concerns.


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Combined Insurance FAQ

What is Combined Insurance's average claims response time frame?

Combined Insurance offers online claims reporting for customers 24/7, but their phone option for claims reporting has hour restrictions. The carrier does not provide an official claims response time frame promise. However, they do state that they attempt to pay out approved claims within 5 business days of receiving all necessary documents.

What is Combined Insurance's customer service availability?

Combined Insurance offers one toll-free phone line for both customer service inquiries and claims reporting. Their customer service department operates duringrestricted hours, Monday-Friday. However, claims can be reported online or via fax at any time. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, making them more accessible to customers.

What is Combined Insurance's claims process?

Combined Insurance allows customers to file claims via phone, fax, snail mail, or through the website. The official website details the following process for customers to file claims:

“1. Prepare yourself

Decide to start some of this work before the unexpected happens, so you’re ready to file your claim with complete and accurate information.  Make sure you have your policy numbers written down and stored somewhere you can access them in a pinch.

2. Know what’s covered

Review your supplemental insurance policy and be sure you know exactly what’s covered. It’s a good idea to look at your major medical policy to gain a more comprehensive picture of your coverage.

3. Browse a claims form

Read through an actual claims form to make sure you understand what information you would need to provide should a payable claim occur.

When the unexpected happens

We all hope you won’t suffer a covered event, but if you do qualify to receive policy benefits you’ll be glad you took steps 1-3. Now you’re ready to file your claim.

4. Fill out the claim forms

Once you have itemized medical bills for hospitalizations, surgeries, etc. that clearly indicate dates of service as well as your name and address, you should be ready to go.

Be prepared to provide the following details for each claim:

  • Physician information, including name, address and phone number
  • Dates and locations of treatment
  • Description of symptoms
  • Diagnostic codes
  • A police report (if applicable)
  • Description of how, where and when an accident occurred (if applicable)
  • Admission and discharge dates, if hospitalized
  • Dates of total and/or partial disability (for disability claims)

You can file online, by phone, by mail or by fax.  Regardless of your chosen method, give your complete name and current mailing address, because that’s where all payments and/or correspondence will be sent.

5. Promptly respond to requests for “Additional Information”

Sometimes additional details are needed to expedite the claim request, so be sure to sign and date the Authorization to Release Information on your claim form. Be sure to have your doctor complete the Attending Physician’s Statement and ask your employer to complete the Employer’s Statement, if you are claiming disability.

6. For your records

After you’ve submitted your claim, keep copies of all the documents related to the incident, including bills, invoices, and completed claim forms.  If you mailed them, note the date.

7. Stay in touch

You may have questions about your claim. Combined Insurance makes it easy for you to get real-time updates on your claim at the self-service portal on our website—just type in your claim number. Or, give us a call for an update.”

Does Combined Insurance create a user-friendly experience for customers?

Combined Insurance’s website is intuitive and easy to navigate, and is among the better websites of modern insurance carriers today. Important information can be located fairly easily, and the website is detailed enough to satisfy customer inquiries. The official website also provides many of the customer service options that insurance customers have come to expect, such as finding an agent, filing a claim, checking a claim’s status, and more. Overall, Combined Insurance succeeds in providing a user-friendly experience for their customers.

Combined Insurance Customer Reviews

Better Business Bureau
5 Stars
“I had to file a claim. My agent came to my house and assisted me with the paperwork. About a week after my paperwork was submitted, I got a check! I have no complaints with this company and I would definitely recommend them. I don’t understand all these negative reviews. As far as I can tell, the policies pay out according to what’s covered in the policy.”

Better Business Bureau
5 Stars
“Claim process was smooth, my Combined agent went over and above to help with the claim process. I am happy with how much value the products have brought to my family with such an affordable premium.”

“I have been a client of theirs for over 2 years now. Each time I had an issue with a claim, they went above and beyond to assist me with a resolution. They have great attitudes and great client care. I recommend them to everyone I know!”

5 Stars
“I had some accidental insurance with Combined. I found the rates to be more reasonable than Aflac which I also carried. When I changed jobs and no longer required coverage, I emailed Combined through their website and they cancelled my policy right away, without hassling me. Thankfully I've never had to file a claim with Combined so I can't comment on that process but I appreciated the level of service otherwise.”

Better Business Bureau
5 Stars
“As a client I pay a low premium each month, and when I submitted in my claim via fax last month they paid me out just under $2,000 only 3 days later!! My Combined sales rep was very knowledgeable in answering questions regarding the claim process.”'s Final Review

4.5/5 stars

We award Combined Insurance a final rating of 4.5 out of 5 stars. For starters, the carrier is just about to surpass the century mark within the insurance industry, which is certainly a draw for customers seeking coverage from a well-established company. An “A+” rating from both A.M. Best and the BBB is worth noting, too. Combined Insurance seems committed to their customers, not only from their services offered, but also from the glowing reviews easily found across the Web. They do lose some points for not offering 24/7 claims reporting or customer service over the phone, and not listing an exact claims response time frame promise. However, the carrier’s official website is well-designed and provides many important services to customers, such as getting matched with an agent and filing claims. Customers also report highly affordable coverage rates. It’s not hard to see how Combined Insurance has become one of the country’s leading providers of both individual and supplemental health, accident, disability, and life coverages. The carrier’s been around for quite a while now, and they clearly know what they’re doing. So, if you’re looking for solutions that can be satisfied by any of their offerings, don’t hesitate to ask your independent insurance agent about entrusting Combined Insurance with your coverage needs.

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