Combined life insurance review for March 2021 |
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Combined life insurance review March 2021

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Boost your current life insurance with a low-coverage, secondary policy.'s rating: 4 / 5


  • Get a quote if… you need a whole life policy that supplements other policies.
  • Pick something else if… you need more policy and rider options.

Bottom line: Get low face values for supplemental coverage, available with living benefits or accidental death riders to make a well-rounded policy.

to 75

Issue Age

$5,000 to $100,000


No info available

Medical Exam Required


Policies Whole life
Coverage maximum $100,000
Term lengths Doesn’t apply
Medical exam required No info available
Available states All 50 states
Issue age 0 to 75 years old


  • 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
Riders Accelerated death benefit rider
Accidental death benefit rider
Child rider

Expert review

Sarah George

Review by

Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert 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.

Although backed by Chubb, a reputable company, Combined has received an above average number of complaints, suggesting lower customer satisfaction than we’ve seen with other companies.

Before you decide, get quotes from several life insurance companies and see how Combined stacks up.

Factors that affect Combined life insurance rates

Combined Insurance doesn’t give many details online about its rates or how to qualify for its preferred rates. While this isn’t unusual, other companies offer more transparency about their costs.

Other life insurance companies offer a range of rates based on health and lifestyle factors, such as:

  • Maintain a healthy weight-to-height ratio according to your doctor
  • Blood pressure below a set number, like 140/85
  • Cholesterol within a set range, like 215 to 290
  • No family medical history of heart disease before age 60 or cancer
  • No tobacco use in the past five years

How to get a quote from Combined life insurance?

Combined doesn’t let you get a quote online, so you’ll need to talk with an agent. Start by submitting a contact form or call 800-490-1322.

  1. From Combined Insurance’s homepage, scroll to the infobox about its agents. Select Find an agent.
  2. Fill out the contact form with your basic personal information.
  3. Select which type of policy you’re looking for — life insurance or one of its other supplemental insurance products.
  4. Choose Submit and wait for an agent to reach out to you.

What types of life insurance does Combined Insurance offer?

Combined Insurance offers only one type of life insurance: whole life. This permanent policy is worth up to $100,000 and lasts your entire lifetime.

You’ll pay a fixed monthly premium, so your rates won’t go up as you age. Your policy also builds cash value at a fixed interest rate like 1–3%, and you can withdraw money from the cash growth later on.

What riders can I add to my life insurance policy?

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

  • Accelerated death benefit rider. Lets you access up to $50,000 from your death benefit for medical expenses if you’re diagnosed with a terminal illness.
  • Accidental death benefit rider. Pays an extra benefit to your loved ones if you die from an accident like a car crash, but you have to buy it along with the child rider.
  • Child rider. Adds life insurance coverage for your child to your whole life policy.

Pros and cons of Combined life insurance


  • Specializes in supplemental coverage. Combined’s whole life policy works best for those wanting to supplement other types of life insurance due to its low face values.
  • Offers online claims for faster payments. Your beneficiaries can file a claim online and get their payment up to 10 days faster than filing by mail or phone.
  • Backed by parent company, Chubb. Though Combined is a less-known company, Chubb backs up its brand and finances, showing that it can likely pay out future claims.


  • Few options available. Combined only offers a whole life policy along with a few other supplemental medical plans, fewer options than most life insurance companies.
  • No online quotes. To get a quote or start your application, you’ll need to speak with a local agent first.
  • Sees more complaints than average. The company gets a high number of complaints for its business size, though not the highest number we’ve seen.

Combined life insurance reviews and complaints

Combined Insurance sees high business ratings but many customer complaints overall. Having been in business for nearly 100 years, Combined shows financial strength that’s backed by an A+ (Superior) financial rating from AM Best.

The Better Business Bureau (BBB) also has awarded Combined an A+ rating for its business practices, as of January 25, 2021. However, Combined garners 1.6 out of 5 stars from customers rating on the BBB site. Customers cite problems with getting accidental injury benefits paid in full, finding unauthorized bank withdrawals and lack of communication during claims.

Combined also received a complaint index of 1.80 from the National Association of Insurance Commissioners (NAIC) in 2019, above the national median of 1.00. The NAIC index compares a company’s number of complaints with its premiums written. The majority of complaints involved how Combined handled its claims process, showing low claims satisfaction.

AM Best financial rating Not Rated
BBB accredited Yes
BBB rating A+
1.58/5 out of 67 customer reviews
Customer reviews verified as of 11 February 2021

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Frequently asked questions about Combined life insurance

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

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