Combined Insurance Review & Complaints: Health & Life Insurance (2024)
Combined Insurance Company of America offers a solid list of individual health and life insurance products alongside employee benefits. Quotes are not available online, but our review finds that the company does allow online claims service.
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Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
UPDATED: Sep 27, 2023
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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What is Combined Insurance?
Combined Registry Company was founded in 1922 in Chicago and made it through the Great Depression with a lot of belt-tightening. The founder formed Combined Mutual Casualty Company in 1939 through the acquisition of Texas-based American Casualty Company. In 1947 the name was changed to Combined Insurance Company of America.
The 1950s saw the company begin global expansion, first into Canada and then beyond. 1980 saw the formation of a holding company, Combined International Corporation, which in 1982 merged with Ryan Insurance Group and formed Aon. In 2008 Aon sold Combined Insurance Company to ACE Limited, which in turn acquired Chubb and adopted that name – a somewhat convoluted path to Combined’s status today as a part of Chubb.
Combined Insurance writes supplemental policies including accident, income protection, and critical illness policies on a global level. In the U.S., they sell policies both directly to individuals and to companies as employee benefits options. Products are sold through independent agents, and the company headquarters is still located in Chicago.
The company website states that they have more than 3 million policies in force in the United States alone.
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What types of insurance policy options are offered?
Combined’s insurance products are divided into two categories with different coverage options: individual and employer.
What individual insurance products are available?
For individuals, Combined offers a solid list of supplemental health products as well as income replacement products. They also have a life insurance policy option.
What accident and sickness insurance policies are offered?
There are two accident and sickness policies available. The first is an accident-only plan, and the second combines accident and sickness coverage in one. Both of these plans will pay benefits directly to the insured and can be used to pay any out-of-pocket costs associated with an accident or illness. This includes hospital bills but also costs like child care, transportation, and other expenses.
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What specified illness insurance products are offered?
Combined has three specified illness policies, each of which will pay out benefits for the specific illness listed on the policy.
There are two Cancer policies.
Cancer Protector is a lump sum policy that will pay out the benefit amount upon diagnosis with one of the types of cancers listed on the policy. The cash benefit can be used by the policyholder in any way they should choose.
Cancer Care Protector is designed to cover the cost of long-term treatment of cancer as well as with recovery from cancer. This operates slightly differently from the one-time lump sum benefit policy.
Critical Care Protector provides benefits for any of a list of covered conditions or illnesses. These include heart attack, stroke, kidney failure, blindness, severe burns, paralysis, and many cancers. This policy is also a lump sum benefit that can be used for any expense.
What life insurance plan options are available?
There is one life plan offered by Combined. Family Life Protector is a basic whole life insurance policy that offers death benefit amounts of up to $50,000. An accidental death benefit rider can increase this coverage up to $100,000. No term life policy is offered.
Income Replacement
Combined offers two income replacement policies that operate much like short-term disability.
Income Protector is similar to most other short-term disability plans but is independent of an employer. It will pay monthly benefits to replace income for up to two years in the event of a total disability.
SickPay Plus is a more short-term plan that is designed for illness or injury rather than total disability. It provides income replacement for up to six months as long as the insured is under a doctor’s care for an illness or injury that prevents them from being able to work.
What employer products are available?
The Combined Worksite Solutions side is aimed at businesses seeking voluntary employee benefits packages. The site does not list which products are available; they are likely very similar to those offered to individuals, but they are written as group policies. This generally makes them more affordable, which is what makes them a benefit to employees.
All of the policies are portable, which means the employee will have the option to continue the policy even if they change jobs.
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Does the company offer competitive premium rates?
Online quoting is not offered. Instead, a contact form to request a reply from an agent is provided. The site states clearly that the company believes talking with an agent is the best way to determine what coverage you need and get accurate premium quotes.
Filling out the quote request form will result in an insurance agent contacting you, which may mean some unwanted follow-up solicitation efforts even if you go with a different company. While this is common to this type of company as well as to this type of coverage, some potential customers may find it bothersome. Online quoting as an option would be a nice addition for those that prefer not to put personal contact information out there while shopping for a policy. As a large insurer, it is something we would like to see offered.
Are the ratings and consumer services reviews positive?
The company has an A+ rating with the Better Business Bureau (BBB), and there are 67 complaints on file in the past three years. They have been accredited since 1954. The reviews are mainly negative and mainly center on claims, with a few positive as well. For the size of the company, the number of complaints is not high.
Pissed Consumer has a higher number of reviews with a total of 313. The company is rated 1.7-stars overall here. The complaints cite difficulty reaching a customer service representative and claims taking a long time to be paid, or not being paid at all. Although the number of reviews here is higher, it is still not a red flag number for a company of this size.
Combined Insurance Claims Process
Ease of Filing a Claim (online, over the phone, mobile apps)
Combined Insurance Company of America offers the convenience of online claims service for policyholders. Customers can easily file their insurance claims through the company’s website, streamlining the process and reducing the hassle of traditional paperwork.
Average Claim Processing Time
One of the advantages of filing claims online with Combined Insurance is the potential for faster processing times. The company states that using their online claim form can result in benefits being paid up to ten days sooner than traditional mail-based claims. This expedited processing can be especially valuable during times of urgent need.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is crucial when evaluating an insurance company. While Combined Insurance has a solid reputation in terms of its financial stability and longevity, it’s essential to consider customer reviews regarding their claim experiences.
Some customer reviews suggest that claims processing can sometimes be delayed or encounter difficulties. However, it’s important to note that the number of complaints is relatively low given the size of the company.
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Combined Insurance Digital and Technological Features
Mobile App Features and Functionality
Combined Insurance provides a mobile app that offers policyholders convenient access to their insurance information and services. While specific features and functionality may vary, mobile apps typically allow customers to view policy details, file claims, and even make payments on the go.
The ease of use and effectiveness of these features can significantly impact a policyholder’s overall experience.
Online Account Management Capabilities
Online account management is an essential aspect of modern insurance services. Combined Insurance offers policyholders the ability to manage their policies, track claims, and access important information through their online portal. The convenience of online account management can save time and provide customers with greater control over their insurance coverage.
Digital Tools and Resources
In addition to the mobile app and online account management, it’s important to explore the digital tools and resources offered by Combined Insurance. These may include educational materials, calculators, and resources to help customers make informed decisions about their insurance needs. The availability and quality of these digital tools can enhance the overall customer experience.
When considering insurance providers, it’s crucial to assess both their claims process and their digital and technological features. These aspects can significantly impact the ease and convenience of managing your insurance coverage and handling claims when needed.
What’s the bottom line?
Combined has a long history and strong financial stability thanks to its status as part of Chubb. They offer a range of supplemental products, but since we do not have rates we are unable to comment on the value they offer. If you do not mind being contacted by an agent, they are worth pursuing for comparison quotes when shopping for disability or other supplemental coverage.
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Frequently Asked Questions
What is Combined Insurance?
Combined Insurance Company of America is an insurance provider that offers individual health and life insurance products as well as employee benefits. They have been in operation since 1922 and have a headquarters in Chicago. They provide coverage through independent agents.
What types of insurance policy options are offered by Combined Insurance?
Combined Insurance offers two categories of insurance products: individual and employer. For individuals, they provide supplemental health products, income replacement products, and a life insurance policy option. For employers, they offer voluntary employee benefits packages.
What individual insurance products are available?
Combined Insurance offers supplemental health products, including accident and sickness insurance policies, as well as specified illness insurance policies. They also provide income replacement policies and a life insurance plan called Family Life Protector.
What accident and sickness insurance policies are offered by Combined Insurance?
Combined Insurance offers two accident and sickness insurance policies: an accident-only plan and a plan that combines accident and sickness coverage. These policies pay benefits directly to the insured and can be used to cover expenses related to accidents or illnesses, such as hospital bills, child care, transportation, and other expenses.
What specified illness insurance products are offered by Combined Insurance?
Combined Insurance offers three specified illness policies, including two Cancer policies: Cancer Protector and Cancer Care Protector. They also provide Critical Care Protector, which covers a list of covered conditions or illnesses. These policies offer lump sum benefits that can be used for various expenses.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.