Combined Life Insurance Review

Here’s our Combined Life Insurance Review for you. You can use Combined life insurance to supplement your existing life insurance plans due to its low face value. By including living benefits in the policy, it may be strengthened even more. For example, you may obtain additional coverage for your whole life by purchasing whole life insurance and adding an accelerated benefits rider.

Pros and Cons of Combined Life Insurance


Combined Life Insurance Review - Combined Life Insurance Logo
  • Her area of expertise is enhanced protection.
  • Allows claimants to submit claims online to accelerate reimbursements.
  • In its capacity as a subsidiary of Chubb Insurance,


  • There are limited choices available.
  • There are no online quotes available.
  • Complaints are more frequent than expected.

What affects my rate with Combined Insurance?

On the website, Combined Insurance does not provide much information regarding pricing or how to qualify for preferred prices. Despite the fact that this is not uncommon, other businesses are more clear about their pricing.

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

  • Maintain a healthy body weight-to-height ratio in accordance with your doctor’s instructions.
  • Bringing one’s blood pressure down to a specific level, such as 140/85
  • Within a certain cholesterol range, for example, 215-290
  • Prior to the age of 60, there is no family history of heart disease or cancer.
  • No tobacco products have been consumed in the preceding five years.

How to get a quote from Combined life insurance?

To obtain a quotation from Combined, please contact a representative. Complete our online form or call us at 800-490-1322 to get started on your project.To obtain a quotation from Combined, please contact a representative. Complete our online form or call us at 800-490-1322 to get started on your project.

  1. On Combined Insurance’s website, scroll down until you reach a section on the company’s agents. Consider retaining the services of a real estate broker.
  2. To contact us, please provide your name, email address, and phone number in the contact form below.
  3. Choose between life insurance and another supplemental insurance plan offered by the firm.
  4. Select Send and wait for a representative’s answer.

What types of life insurance coverage does Combined Insurance offer?

Combined Insurance offers only one form of life insurance: whole life insurance. The value of this long-term coverage is capped at $100,000 per person, each year.

With this plan, there is no increase in rates as you age. Cash value increases at a fixed interest rate (often 1%–3%) and can be obtained through insurance at a later date.

What riders can I add to my policy?

The company’s website does not include a full list of its riders, but it does identify some of the more popular ones:

  • Accelerated death benefits riders. Terminally sick individuals may use up to $50,000 of their death benefit to cover medical expenses.
  • Accidental death insurance rider. If you die in an event, such as a vehicle accident, this insurance provides a survivor’s payout to your loved ones. It is critical that you work well with the young rider.
  • Riders who are under the age of 18 are not permitted. In the long run, including coverage for your child’s life in your whole life policy will save you money.

Combined life insurance reviews and complaints

While Combined Insurance has favorable business ratings, its clients have mixed feelings about the company as a whole. For over a century, Combined has maintained an AM Best financial grade of A+ (Superior).

As of January 25, 2021, the Better Business Bureau has assigned Combined an A+ rating for their business operations. Consumers have given Combined a dismal 1.6 rating on the Better Business Bureau website. Clients have voiced concerns about unlawful bank transactions, a lack of communication about claims, and an inability to get full payment for accidental damage compensation.

According to a press statement, the NAIC gave Combined a complaint index of 1.80 this year, which is higher than the national average of 1.00. The NAIC index compares the amount of complaints received by a firm to the volume of insurance premiums provided. Customers were dissatisfied with the way Combined handled claims, which resulted in a flood of complaints.

Checkout our review of Colonial Penn Life Insurance Review for another  insurance review.

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