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Combined Life Insurance Review

You can augment your other life insurance policies with combined life insurance‘s low face values. Adding living benefits to the policy can make it even more strong. With a whole life insurance and an expedited benefits rider, for example, you can get additional coverage for your whole life.

Pros and Cons of Combined Life Insurance

Combined Life Insurance Review - Combined Life Insurance Logo


  • Extra protection is her area of expertise.
  • Offers the ability to file claims online in order to expedite payouts.
  • As a subsidiary of Chubb Insurance,


  • There are few alternatives to choose from.
  • There are no quotations available online.
  • Complaints are more often than the norm.

What affects my rate with Combined Insurance?

Combined Insurance does not give much information about price or how to qualify for preferential rates on the internet. Some companies are more transparent about their price, despite the fact that this isn’t unusual.

Because of this, there are several options when it comes to purchasing life insurance.

  • 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?

To get a quote from Combined, you’ll need to speak to a representative. Fill out our online form or give us a ring at 800-490-1322 to get the ball rolling on your project.

  1. Combined Insurance’s website has a section on the company’s agents, so scroll down until you find it. Consider hiring a real estate broker.
  2. Please provide your name, email, and phone number in the contact form to get in touch with us.
  3. Make a choice between life insurance and one of the company’s other supplemental insurance products.
  4. Select Send and wait for a response from a representative.

What types of life insurance coverage does Combined Insurance offer?

Combined Insurance only offers one type of life insurance: whole life. There is a lifetime cap on the value of this long-term coverage at $100,000.

There is no rise in premiums as you become older with this plan. Cash value grows with a fixed interest rate (such as 1%–3%) and can be accessed at a later date through insurance.

What riders can I add to my policy?

There is no comprehensive list of Combined Life Insurance‘s riders on the company’s website, although it does identify some of the more popular ones:

  • Accelerated death benefits riders. Terminally ill people can spend up to $50,000 of their death benefit money to pay for medical costs.
  • Rider for accidental death insurance. This insurance gives a survivor’s benefit to your loved ones if you die in an accident, such as a car crash. It’s important that you get along with the child 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

Although Combined Insurance has good business ratings, its clients aren’t so sure about the firm as a whole. For almost 100 years, Combined has maintained an A+ (Superior) financial rating from AM Best.

The BBB has given Combined an A+ rating for their business practices as of January 25, 2021. Consumers have rated Combined poorly on the BBB website, giving the company a dismal 1.6 stars. Among the issues raised by clients include unauthorized bank transactions, a lack of contact about claims, and the inability to get full reimbursement for accidental injury compensation.

This year, the NAIC awarded Combined a complaint index of 1.80, which is higher above the national average of 1.00, according to a press release. The NAIC index compares a company’s complaint volume to the quantity of insurance premiums it has issued. Customers were unhappy with the claims process handled by Combined, which resulted to a huge number of complaints.

Checkout our review of Erie Life Insurance Review for another insurance review.

Discover How Much YOU Can Save on Life Insurance

Our customers save as much as 35% compared to traditional life insurance offers…

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Avatar photo About the author: David Krug is the CEO/President of PolicyPeak, a modern and tech-driven life insurance company. David noticed a gap in the market for personalized policies at an affordable price. He founded PolicyPeak in 2022 with the goal of simplifying the buying process for consumers and offering policies tailored to their unique needs.