Life Insurance

Combined Life Insurance Review

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at, and editor at 3 minute read

Due to the low face value of the insurance policy, you can choose Combined life insurance to supplement your current life insurance plans. By including living benefits in the coverage, the insurance may be made even more comprehensive. For instance, you may acquire additional coverage for the remainder of your life by purchasing whole life insurance and adding an accelerated benefits rider.

Pros and Cons of Combined Life Insurance


Combined Life Insurance Review - Combined Insurance Company Logo
  • Her area of expertise is enhanced protection.
  • It enables claimants to submit claims online, which aids in the reimbursement process’s expediency.
  • In the course of its business as a subsidiary of Chubb Insurance.


  • There are a limited number of available alternatives.
  • Regrettably, there are no online quotes available at the moment.
  • The amount of complaints received has exceeded expectations.

What affects my rate with Combined Insurance?

Combined Insurance’s website is deficient in terms of information on price and how to qualify for preferred pricing, which is frustrating. While this is not uncommon, other businesses are more transparent about their pricing arrangements.

As a result, there are several possibilities for acquiring life insurance.

  • Maintain a healthy body weight-to-height ratio consistent with your doctor’s recommendations.
  • The act of lowering one’s blood pressure to a predetermined level, such as 140/85.
  • Within a specified cholesterol range, for example, 215-290 mg/dL.
  • Prior to the age of 60, there is no family history of heart disease or cancer.
  • The individual had not ingested any tobacco products in the preceding five years.

How to get a quote from Combined life insurance?

To obtain a quote, please contact a representative at Combined. To begin your project, please complete our online form or call us at 800-490-1322.

  1. On the Combined Insurance website, scroll down until you find a section listing the company’s representatives. Consider hiring a real estate agent to assist you with your purchase.
  2. If you like to contact us, please complete the contact form below with your name, email address, and phone number.
  3. Choose between a life insurance policy and one of the organization’s other supplemental insurance plans.
  4. Select Send and wait for a customer care representative to respond.

What types of life insurance coverage does Combined Insurance offer?

The sole form of life insurance offered by Combined Insurance is whole life insurance. Each individual’s value of this long-term coverage is capped at $100,000 per year.

If you have this plan, there are no increases in rates as you age. Insurance companies pay a fixed interest rate on the cash value of the policy (usually 1% to 3%), which may be withdrawn at a later period.

What riders can I add to my policy?

While the company’s website does not mention all of its riders, it does highlight many of the most well-known, including:

  • Riders gain from accelerated death. Individuals who are terminally ill may use up to $50,000 of their death benefit to cover medical costs.
  • Accidental death insurance is a supplemental policy. If you die as a consequence of an occurrence such as a vehicle accident, the beneficiaries of this insurance receive a survivor’s benefit. It is critical to establish a favorable rapport with the young rider.
  • Riders under the age of eighteen are not permitted. In the long run, including coverage for your child’s life in your whole life insurance policy will save you money.

Combined life insurance reviews and complaints

Clients of Combined Insurance have mixed feelings about the company as a whole, despite the company’s favorable business ratings. Combined has retained an A+ financial grade from AM Best Ratings for more than a century (Superior).

According to their website, the Better Commercial Bureau has assigned Combined an A + rating for their business operations as of January 25, 2021. Consumers have given Combined a dismal 1.6-star rating on the Better Business Bureau’s website. Clients have voiced concern about the lack of communication about claims and the difficulties in obtaining full payment for unintentional damage compensation.

According to an NAIC press release, Combined got a complaint index of 1.80 this year, which is greater than the national average of 1.00. The National Association of Insurance Commissioners’ (NAIC) index compares a company’s complaint volume to the amount of insurance premiums issued. Customers’ displeasure with the way Combined handled disputes resulted in an avalanche of complaints.

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