Combined, a Chubb Company

Combined Insurance Company of America, a Chubb company, is a leading provider of supplemental insurance products, including accident, disability, health, and life insurance. Established in 1922 by W. Clement Stone in Chicago, Illinois, the company has a rich history of over 100 years in the insurance industry.

As a subsidiary of Chubb Limited, the world's largest publicly traded property and casualty insurance company, Combined Insurance benefits from Chubb's extensive global presence and financial strength. Chubb operates in 54 countries and territories, offering a diverse range of insurance solutions to a wide clientele.

Product Offerings

Combined Insurance offers a comprehensive suite of supplemental insurance products designed to provide financial protection against unexpected events.

• Accident Insurance: Coverage that helps with medical expenses and other costs resulting from accidental injuries.
• Disability Insurance: Financial support for individuals unable to work due to illness or injury.
• Health Insurance: Plans that cover medical expenses including hospital stays, surgeries, and outpatient care.
• Life Insurance: Policies that provide a financial benefit to beneficiaries upon the policyholder's death.

In June 2025, Combined Insurance expanded its benefits offering by introducing pet insurance through a partnership with Healthy Paws, a Chubb company. This addition allows employers and individuals to include pet coverage in their insurance plans, addressing the rising demand for such benefits.

Commitment to Military Personnel

The company has a strong commitment to supporting military personnel and veterans. In November 2023, Combined Insurance was recognized as America's #1 Military Friendly® Employer for the sixth consecutive year. This highlights its dedication to hiring and supporting military veterans and their families.

Locations

Combined Insurance operates primarily in North America, with its headquarters located in Chicago, Illinois.

It also has offices in Fayetteville, AR, USA.

• Chicago, Illinois (Headquarters)
• Fayetteville, AR, USA

The company’s extensive network ensures that its products and services are accessible to a wide range of customers across the United States and Canada.