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HomeLife Insurance Company ReviewsCombined Insurance Company of America Review

Combined Insurance Company of America began in 1922. It gives clients lots of supplemental insurance to choose from.

Their main office is in Chicago, Illinois. The company began during the great depression and had a huge boom between 1956 and 1963.

At that time, Combined Insurance moved into Canada, Australia, Puerto Rica, Europe, and Britain.

The types of insurance products made for customers include:

  • Life
  • Cancer
  • Critical care
  • Accident
  • Accident and sickness
  • Medicare supplement

Main Benefits Offered by Combined Insurance:

  • Benefits paid right to the client

The client uses their benefits as they see fit. This means living expenses, deductibles, and more.

The customer receives benefits, while the medical provider does not.

  • Filling in the Cracks

Customer problems can be hard to cover. Combined Insurance helps to take care of those extra problems.

This includes cancer costs. Sixty percent of cancer costs are not covered by typical insurance plans.

Combined Insurance would take care of these cracks in your plan.

  • Years of Success

New insurance companies promise a lot, but these companies are not backed by experience. Customers are happy with how long Combined has been in the field.

  • Fast Payments

There’s no waiting around with Combined Insurance. Clients get their benefits quickly and directly, so the money is there as soon as you need it.

Combined Supplemental Life Insurance

Life Insurance sing on wall

This policy was created in order to help families cover the most likely expenses they will face. These expenses may have been paid for by the insured person or divided evenly.

Supplemental Life Insurance helps to cover:

  • Housing Expenses

Supplemental Life Insurance can help to take care of housing expenses. These are often the hardest for family members to cover.

  • Final Expenses

Sometimes when a person dies, they leave behind all kinds of expenses. These include funeral fees, medical bills, debt, and more.

Luckily, these plans can help to cover the costs that come up.

  • Replacement Income

When a loved one dies young, it can be hard for the family to make up for the lost income. Luckily, these plans are able to stand in for that loss of income.

As a result, families can stay afloat and get back on their feet.

Employee Reviews


This insurance company has a lot of happy employees. This is often a very good sign that the company is going well.

Workers who believe in the company they work for often work harder for customers.

In saying that, customers might note that employee reviews from Combined Insurance gave the company a rating of 3.6 stars out of a possible 5.

Eighty-five percent of employees liked their CEO, and 65% would recommend the company to a friend. Workers noted the positive office space and great mentors.

In terms of equal opportunities, Combined Insurance values diversity in the workplace.

In 2018, they were noticed in Hispanic Network Magazine’s 2018 “Best of the Best” list.

This rating showed the diversity found within the company.

Customer Reviews

Customer Expectation Service

Customer reviews vary. The average rating was 2 stars out of 5 and a total of 280 reviews.

Of those reviews, there were $300,000 in claimed losses.

Customers valued Combined Insurance’s friendly staff and the strong status of the company.

The Numbers 

Combined Insurance hosts more than five million insurance plans in North America alone.

The company says it pays out half a billion dollars per year or $1 million per day.

The company itself holds more than $2 billion in assets, making it one of the best insurance companies around.

In terms of stability, A.M. Best gave Combined Insurance an “A+ Superior” grade, and S&P gave them a rating of “AA-very strong” grade.

The Better Business Bureau opened a file for the company in 1954. In 2018 it had a rating of A+.

This top grade comes from the number of complaints a company has had and the number of good solutions.

From the Better Business Bureau, the company scored 3.86 out of 5.


Combined Insurance offers persons and families insurance plans that are best for them. These plans are offered in order to help support any insurance plan with another company.

Loved ones do not have to worry about paying large bills; extra expenses are covered by a chosen plan.

Those people and families who already have insurance might think about Combined as a source for more coverage.

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