Combined Insurance: Life Insurance Options And More

Combined Insurance is a global provider of supplemental insurance, including accident insurance, life insurance, and critical care coverage. The company has been in business for over 100 years and is a leader in the industry. They offer supplemental life insurance protection that is clear and easy to understand, ensuring that their customers get the right plan for their needs and their families' needs. Combined Insurance's life insurance plans offer benefits that can help families pay for final expenses, mortgage or rent payments, replace lost income, or cover other expenses.

Supplemental life insurance

There are several types of supplemental life insurance:

• Supplemental employee life insurance, which adds extra coverage to your policy.
• Voluntary spouse life insurance, which covers your spouse or domestic partner.
• Supplemental child life insurance, which covers eligible dependent children.
• Supplemental accidental death and dismemberment insurance, which pays out if you die or are seriously injured in an accident.

Combined Insurance offers supplemental life insurance protection that is clear and easy to understand. Depending on your health conditions, you may be eligible for up to $1 million in term life coverage. Their trained agents can help you choose the right coverage for your needs.

Accident insurance

Combined Insurance offers accident insurance to help cover the costs of accidental injuries, including those from organised sports. Accident insurance provides cash benefits to help cover medical and non-medical expenses, including initial care, treatment, facility care, and follow-up care. Accident insurance can also help cover expenses such as deductibles and copays.

Combined Insurance has been a leader in the insurance industry for over 100 years and is a global provider of supplemental insurance, including accident insurance, life insurance, and critical care coverage. The company is headquartered in Chicago, Illinois, and operates in North America, Latin America, Europe, and the Pacific.

Critical illness insurance

The critical illness plans offered by Combined Insurance cover a variety of serious illnesses. They provide supplemental benefits to individuals, families, and businesses to help fill in coverage gaps and take insurance protection further.

• Critical illness insurance provides a lump sum of money (payout) when you are diagnosed with a critical illness covered under the policy.
• The payout can be spent on any needs, including non-medical expenses such as mortgage payments, transportation, or equipment.
• The premiums are typically low and affordable compared to a typical health insurance policy.
• Some types of cancer and chronic illnesses may not be covered, and there may be no payout for recurrences of a critical illness, such as a second stroke or heart attack.
• Coverage might end or be reduced when the insured reaches a certain age.
• It is important to carefully read the policy to understand the specific circumstances under which a condition is covered, as some critical illness policies have narrow restrictions.

Disability insurance

Combined Insurance is a global provider of supplemental insurance, including accident insurance, life insurance, and critical care coverage. The company operates in North America, Latin America, Europe, and the Pacific, and is headquartered in Chicago, Illinois.

Combined Insurance offers several types of insurance policies, which vary by market and customer needs. One of their key offerings is disability insurance, which provides financial protection in the event of an injury or illness that prevents an individual from working. This type of insurance is designed to replace a portion of the insured person's lost income, helping them to meet their financial obligations and maintain their standard of living while they are unable to work.

The disability insurance offered by Combined Insurance provides cash benefits to the insured person, which can be used to cover a range of expenses. These expenses can include medical costs related to the injury or illness, such as hospitalization, treatment, and follow-up care. Additionally, the cash benefits can help with non-medical expenses, such as rent or mortgage payments, groceries, or other daily living costs.

One of the key advantages of Combined Insurance's disability insurance is its portability. The coverage stays with the individual even if they change jobs, ensuring continuous protection. Moreover, the rate remains the same, and the benefits do not decrease due to age. As long as premiums are paid on time, the coverage cannot be cancelled. This provides peace of mind and long-term financial security to the policyholder.

Combined Insurance's disability insurance is designed to fill coverage gaps and provide supplemental benefits to individuals and their families. It can be customized to meet specific needs, and their trained agents are available to guide customers in choosing the most suitable coverage options. The company's mission is to make the complex world of supplemental insurance easier to understand, so customers can feel confident that they are well-protected.

Life insurance

About Combined Insurance

Combined Insurance, a Chubb company, has been a leader in the insurance industry for over 100 years. With a presence in North America, Latin America, Europe, and the Pacific, Combined Insurance provides supplemental health, accident, disability, and life insurance products to individuals, families, and businesses of all sizes.

Supplemental Life Insurance

Combined Insurance's supplemental life insurance is designed to fill the gaps that traditional life insurance may not cover. It offers financial peace of mind to your family during a challenging time, helping them sustain themselves with cash benefits. This type of coverage can assist with final expenses, mortgage or rent payments, lost income replacement, and other unforeseen costs.

Features of Supplemental Life Insurance

Combined Insurance's supplemental life insurance is tailored to meet your unique needs. Here are some of its notable features:

• Clear and Easy to Understand: The company provides policies that are written in clear and straightforward language, ensuring you fully comprehend the coverage you're purchasing.
• Customizable Coverage: Depending on your health conditions, Combined Insurance offers flexibility, with coverage options of up to $1 million in term life insurance.
• Dedicated Sales Representatives: The company's knowledgeable sales representatives guide you in choosing the most suitable policy for your specific circumstances.
• Portable Coverage: Your coverage stays with you even if you change jobs, providing stability and peace of mind.
• Rate Stability: The rates remain unchanged, and your benefits will never decrease due to age or other factors.
• Coverage Continuity: As long as your premiums are paid on time, your coverage cannot be cancelled.
• No Medical History Requirement: Combined Insurance does not mandate a medical history for issuing coverage, making it accessible to a wider range of individuals.
• Spouse and Dependent Coverage: The company also offers coverage for your spouse, children, and dependents under the age of 26, ensuring comprehensive protection for your entire family.

Combined Insurance's supplemental life insurance provides added protection and peace of mind by filling in the gaps left by traditional life insurance policies. With its customizable coverage options, clear policy language, and dedicated support, Combined Insurance helps ensure that your loved ones receive the financial support they need during difficult times.

Frequently asked questions