
Combined Insurance Company of America, commonly known as Combined Life Insurance, was founded in 1922 and has built a strong reputation for providing supplemental insurance products that help individuals and families protect their financial well-being. As a member of the Chubb Group, one of the world’s largest publicly traded property and casualty insurance companies, Combined Life benefits from the financial strength and global resources of its parent company.
Combined Life offers a wide range of insurance solutions including life, accident, disability, and health coverage. These products are designed to provide financial protection during times of illness, injury, or loss, with a focus on affordability and ease of use. The company is known for its customer-first approach and commitment to delivering reliable coverage when it's needed most.
Finding the right policy from a top-rated provider like Combined is simple with help from Fuego Financial.
Get your personalized quote today and protect what matters most.
Combined Insurance Company of America—a Chubb Group affiliate—offers supplemental accident, disability, health, and life insurance solutions. With over 100 years of service, the company serves millions across North America and is recognized for its simple, reliable coverage.
In December 2024, A.M. Best reaffirmed Combined’s Financial Strength Rating as A+ (“Superior”), with a stable outlook. This top-tier rating confirms Combined’s robust financial foundation, ability to meet policyholder obligations, and support from its parent company, Chubb Limited.
Scores updated August 2025
- What products for Combined?
Combined Life Insurance is best suited for individuals and families looking for supplemental insurance coverage that offers financial protection in the event of illness, accidents, or other unexpected life events. As a subsidiary of Chubb, one of the world’s largest publicly traded property and casualty insurers, Combined brings the strength and stability of a global brand while offering policies designed for middle-income households.
Combined Life is ideal for working professionals, small business owners, and those seeking affordable accident, critical illness, or disability coverage with simplified underwriting. With a history of serving customers since 1922 and a strong focus on face-to-face service, Combined Life appeals to people who value personal attention and a tailored insurance experience that helps safeguard their income and lifestyle.
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Like many life insurance providers, Transamerica may require a brief medical exam as part of the application process. While it might sound overwhelming, the exam is typically quick and straightforward—often taking less than an hour—and can be completed at your convenience, whether at home, at work, or at a local exam center.

At Fuego Financial, we partner with some of the most reputable life insurance providers in the country—like Combined—to give you access to top-tier coverage options.
In just minutes, we’ll compare policies and pricing to help match you with the right plan, the right insurer, and the right rate for your needs.
We’ve partnered with top-rated life insurance providers known for offering competitive rates across a wide range of health profiles—from individuals in great health to those with specific medical conditions or lifestyle factors.
Our team can guide you in finding the right coverage and the best-fit insurance carrier for you and your family’s unique needs.
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