Combined Life Insurance Review

Combined life insurance offers low face values on its whole life policy, enough to supplement other life insurance you may have. You also can add living benefits to make the policy more robust. For example, you may have term life and want to add supplemental lifelong protection with a whole life policy and an accelerated benefits rider. For additional information, here’s a Combined Life Insurance Review.

Pros and Cons of Combined Life Insurance

Combined Life Insurance Review - Combined Logo


  • Specializes in supplemental coverage
  • Offers online claims for faster payments
  • Backed by parent company, Chubb


  • Few options available
  • No online quotes
  • Sees more complaints than average

What affects my rate with Combined Insurance?

In terms of pricing or how to qualify for preferred rates, Combined Insurance doesn’t provide much information on the internet. Despite the fact that this isn’t out of the ordinary, there are firms who are more open about their pricing.

However, there are a number of life insurance firms that provide different prices based on your health and lifestyle.

  • Follow your doctor’s recommendations for a healthy body weight-to-height ratio.
  • Lowering one’s blood pressure to a predetermined level, such as 140/85
    Within a specific cholesterol range, such as 215-290
  • There is no prior family history of heart disease or cancer before the age of 60.
  • The previous five years have seen no usage of tobacco products.

How to get a quote from Combined life insurance?

Because you can’t acquire a quotation from Combined online, you’ll have to speak to an agent. To get started, fill out our online form or give us a call at 800-490-1322.

  1. Scroll down the webpage of Combined Insurance until you see the section with information on the company’s agents. Seek the services of a real estate agent.
  2. Complete the contact form by providing your name, email address, and phone number.
  3. Decide if you want life insurance or one of the company’s other supplemental insurance products as your policy type.
  4. Select Send and wait for a response from a representative.

What types of life insurance coverage does Combined Insurance offer?

There is just one sort of life insurance offered by Combined Insurance, and that is whole life. This long-term coverage has a maximum value of $100,000 and covers you for the rest of your life.

This plan has a flat monthly premium, so your costs won’t increase as you become older. As well as building cash value at a fixed interest rate (such as 1–3 percent), your insurance allows you to access the money you’ve saved in the future.

What riders can I add to my policy?

Combined life insurance doesn’t give a detailed list of its riders online, but it mentions these common riders:

  • Accelerated death benefits riders.If you’re diagnosed with a terminal disease, you can use up to $50,000 of your death benefit to pay for medical expenditures.
  • Rider for accidental death insurance. If you’re killed in an accident, such as a vehicle crash, this policy provides a survivor’s benefit to your loved ones. However, you must get along with the kid rider.
  • Riders who are under the age of 18. Including your child’s life insurance coverage in your whole life policy will save you money in the long run.

Combined life insurance reviews and complaints

While business ratings for Combined Insurance are excellent, customers have a lot to say about the company as a whole. A+ (Superior) financial grade from AM Best backs up Combined’s nearly 100-year history of financial health.

As of January 25, 2021, the Better Business Bureau (BBB) gave Combined an A+ grade for its business operations. However, consumers have given Combined a dismal rating of 1.6 stars on the BBB website. Unauthorized bank withdrawals, lack of communication during claims, and securing full payment for accidental injury benefits are among the complaints from customers.

In 2019, the National Association of Insurance Commissioners (NAIC) gave Combined a complaint index of 1.80, which is higher above the national median of 1.00. According to the NAIC index, a business’s complaint volume is compared to the amount of premiums it has issued. Combined received a large number of complaints about the way it handled its claims procedure, which indicated a poor level of satisfaction with those claims.

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

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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