Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • You can only buy Combined Life Insurance in Illinois and New York.
  • There are four coverage options at Combined Life Insurance.
  • Combined Life Insurance quotes are private, so you’ll need to get a quote from Combined Life’s website.

Combined Life Insurance sounds like a life insurance policy type, but it’s a company located in New York. Combined Insurance provides life insurance and other insurance types in two states. Combined Life Insurance doesn’t mention term life insurance quotes, but it won’t hurt to ask questions about the company.

In this Combined Life Insurance review, we’ll go over details about the company and see if it’s a reliable choice for life insurance. To compare Combined Life Insurance Company to other life insurance companies in your area, enter your ZIP code in the FREE comparison tool above.

What’s the history of Combined Life Insurance Company?

This company’s history started when William Clement Stone borrowed $100 to establish an insurance company in 1922. William Clement Stone began Combined Insurance in Chicago, but today, it is based in New York.

Combined Life Insurance has a website where you can get quotes, file claims, and find agents. Before you head over, continue reading more information on Combined Life Insurance’s quotes.

Combined Life Insurance Financial Strength and Credit Ratings

We collected Combined Life Insurance ratings from various financial strength and credit rating agencies and compiled them in a research table.

Combined Life Insurance Company Ratings
AM BestA+
Better Business Bureau (BBB)A+
NAIC Complaint Index0.34
S&P GlobalAA-
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Despite the company’s size, Combined Life Insurance Company has good ratings across the board, but what do these ratings mean? Go through each subsection to learn more about these ratings.

A.M. Best

According to A.M. Best, the A+ rating is one of the highest ratings, which means a company has a stable financial strength and superior ability to meet customers’ expectations.

Better Business Bureau (BBB)

The BBB has a more plain rating scale. Any “A” grades are considered the best grades under its rating system. However, Combined Insurance has 1.53 stars through BBB’s customer ratings.

NAIC Complaint Index

NAIC’s complaint index reviews the ratio of complaints Combined Life Insurance had in the recent year. According to the NAIC, the company only had two.

S&P Global

Finally, S&P Global covers the credit risk of Combined Life Insurance, and the grade shows that Combined Insurance has low credit risk. However, the minus sign indicates that the S&P Global predicts a long-term credit risk. It could change in the months to come.

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Combined Life Insurance Rates

You won’t find sample life insurance rates for Combined Life Insurance Company. Like many other small companies, Combined Insurance doesn’t make sample rates public. The best way to get a quote is through its website or one of its agents.

Let’s look at a short company review that shows you Combined Life’s contact information.

Combined Life Insurance Summary
Combined Life Insurance SummaryStatsSource
Year Founded1922Bloomberg
Total Assets$502.7 MillionNational Association of Insurance Commissioners (NAIC)
Direct Premiums Written$176.6 MillionNational Association of Insurance Commissioners (NAIC)
Market Share0.01National Association of Insurance Commissioners (NAIC)
NAIC Complaint Index0.34National Association of Insurance Commissioners (NAIC)
Headquarters13 Cornell Road
Latham, NY 12110
National Association of Insurance Commissioners (NAIC)
Phone Number1-800-951-6206National Association of Insurance Commissioners (NAIC)
Website Association of Insurance Commissioners (NAIC)
Available InIllinois and New YorkNational Association of Insurance Commissioners (NAIC)
Best ForSupplemental Health, Life Insurance, Disability Insurance, Accidental InsuranceCombined Insurance
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You can always find answers by directly speaking to Combined Life representatives. If you can’t get an answer, our FREE online quote tools will help you locate affordable life insurance rates.

Combined Life Insurance Coverage

There are several coverages you can take advantage of at Combined Life Insurance Company. Although its website doesn’t talk about term life insurance, it does mention permanent quotes. Let’s talk briefly about what each coverage means.

Accidental Insurance

When you’re injured at work or have a bad accident, accidental insurance can supplement what auto insurance and medical insurance won’t cover. This is particularly helpful for those who’ve been working from home during the COVID-19 pandemic and other self-employed individuals.

Supplemental Health Insurance

What if your health insurance won’t cover specific injuries or medical bills? Combined Life Insurance has a policy that will fill the gaps where standard health insurance won’t cover.

Disability Insurance

Like accidental insurance, disability insurance will fill gaps where some insurance options won’t cover. However, each company is different, so you may need a Combined Life Insurance Company agent to explain the company’s disability insurance policy.

Life Insurance

Combined Life Insurance explained its permanent life insurance option as a family life insurance plan. Whole life insurance will cost more than term life insurance, but you can save money over time.

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Combined Life Insurance Company: The Bottom Line

You won’t find much about the company besides the four coverage options at Combined Life Insurance Company. You’ll need to grab a personalized life insurance quote from Combined Insurance to get a reliable quote. The ratings look good, but you should compare Combined Life Insurance Company to other companies in your area before making a final decision.

Compare Combined Life Insurance Company by entering your ZIP code in the FREE comparison tool below.