Combined Insurance
Combined Insurance, a Chubb subsidiary founded in 1922, underwrites supplemental accident, cancer, critical illness, disability, hospital, and life insurance for U.S. and Canadian individuals, small businesses, and mid/large-market employers via independent agents and brokers.
- Company typePrivate
- Founded1922
- HeadquartersGlenview, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Combined Insurance does
Combined Insurance Company of America is a U.S.-domiciled supplemental insurance carrier founded in 1922 and operating as a wholly-owned subsidiary of Chubb Limited (NYSE: CB). The company underwrites a portfolio of six core supplemental products — accident, cancer, critical illness, disability, hospital, and life insurance — designed to provide cash benefits that fill gaps left by traditional medical coverage. It distributes through two parallel go-to-market motions: the Combined brand serves individuals and small businesses in the U.S. and Canada via independent agents and brokers, while the Chubb Benefits Workplace Solutions division (formerly Chubb Workplace Benefits) sells group-level supplemental benefits to mid- and large-market employers through brokers and benefits consultants. Combined Life Insurance Company of New York underwrites products for New York residents, and the company operates European branches through Chubb European Group SE in the UK, Ireland, Germany, and Portugal.
Combined generates revenue almost entirely through recurring supplemental insurance premiums collected on 5 million in-force policies across its individual, small-business, and group worksite channels. Pricing is quote-based and agent-mediated rather than publicly disclosed, and the company relies on its field agent network — supported by agent portals, training, and compensation programs — as the primary acquisition and renewal engine. A lifestyle add-on, Combined Connections, layers discounts and services onto policies to support retention. In January 2026 the company launched the Chubb Benefits brand identity, consolidating three previously separate business lines (Combined U.S./Canada agency brand, Chubb Workplace Benefits, and Combined Worksite Solutions) under a unified umbrella aligned with the global Chubb parent. Combined holds an A+ (Superior) financial strength rating from AM Best and an A+ from the Better Business Bureau.
Combined Insurance firmographics
Firmographics- Name
- Combined Insurance
- Legal name
- Combined Insurance Company of America
- Website
- https://combinedinsurance.com
- Company type
- Private
- Founded year
- 1922
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Combined Insurance, a Chubb subsidiary founded in 1922, underwrites supplemental accident, cancer, critical illness, disability, hospital, and life insurance for U.S. and Canadian individuals, small businesses, and mid/large-market employers via independent agents and brokers.
- Ownership category
- akta.pro rank
Combined Insurance industry classification
Industry- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industries
- Specified Disease Hospital Indemnity (e.g., Cancer Hospital Indemnity) (FSAIAKAI), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK)
Keywords
Where Combined Insurance is headquartered
LocationHeadquarters
- HQ city
- Glenview
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Combined Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Supplemental Insurance Premiums: Combined Insurance generates revenue through the sale of supplemental insurance policies including accident, cancer, critical illness, disability, hospital, and life insurance products. Revenue is generated through premium payments from individuals, families, and employer-sponsored benefit packages.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Combined Insurance product offering
Product offeringCore offering
Combined Insurance sells supplemental insurance products that provide cash benefits to fill coverage gaps left by traditional medical insurance. Its portfolio includes Accident, Cancer, Critical Illness, Disability, Hospital, and Life Insurance sold to individuals and families (via independent agents) and to mid- and large-market employers (via brokers and benefits consultants under the Chubb Benefits Workplace Solutions division).
Product overview
Combined Insurance is a supplemental insurance provider offering a portfolio of core individual and group insurance products. The core product suite includes six primary insurance types: Accident Insurance, Cancer Insurance, Critical Conditions Insurance, Disability Insurance, Hospital Insurance, and Life Insurance — all designed to supplement traditional medical insurance by providing cash benefits. The company operates under two main brand structures: the Combined brand (U.S. and Canada) serves individuals and small businesses through independent agents, while the Chubb Benefits Workplace Solutions division (formerly Chubb Workplace Benefits) caters to mid- and large-market employers via brokers. A subsidiary, Combined Life Insurance Company of New York, underwrites products for New York residents. The company also offers Combined Connections, a discounts and services add-on for policyholders. The company recently rebranded under the Chubb Benefits umbrella (2026).
Differentiator
Problem solved
Functional benefit
Brands
- Combined Connections: Premier discounts services program offering access to discounts on goods and services
- Chubb Workplace Benefits
- Combined Worksite Solutions
Quantifiable outcome
- 77% of employees would consider leaving their jobs due to poor benefits, demonstrating the importance of supplemental benefits in talent retention
Companies that use Combined Insurance
Customer profileSegments3 records
Ideal customer profiles3 records
Combined Insurance technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Combined Insurance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Chubbparent companyCombined Insurance Company of America and Combined Life Insurance Company of New York are wholly-owned subsidiaries of Chubb Group Holdings Inc. The company operates under the Chubb Benefits brand as of January 2026, consolidating three businesses under the new identity.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Combined Insurance competitors and assessment
Company assessmentBroad incumbents
- Humana: Humana is a major health insurer that offers Medicare Supplement, supplemental, and group benefits products — overlapping with Combined's supplemental health portfolio within a much larger health insurance franchise.
- CVS Health (Aetna): CVS Health's Aetna segment offers individual and group supplemental health, accident, and hospital indemnity products — an incumbent competitor in the broader supplemental benefits market, though not specialized in the voluntary worksite channel.
- Allstate: Allstate (including Allstate Benefits) offers supplemental health, accident, critical illness, and disability products through employer/worksite channels — a broader incumbent with overlapping supplemental insurance capabilities.
- Cigna Group: Cigna is a large global health insurer offering supplemental, voluntary, and group benefits alongside its core health products — overlapping with Combined in the supplemental health category but operating at much broader scale.
Direct peers
- Aflac: Aflac is the U.S. market leader in supplemental insurance (accident, cancer, critical illness, hospital indemnity) sold through worksite/agent channels — directly comparable to Combined Insurance's core product portfolio and distribution model.
- Sun Life Financial: Sun Life U.S. provides group life, disability, and voluntary supplemental benefits through brokers and employers — directly comparable to Combined's Workplace Solutions division and supplemental product set.
- Globe Life: Globe Life (including Globe Life Direct and Family Heritage) sells supplemental cancer, accident, and life insurance through independent agents — directly comparable to Combined Insurance's agent-channel supplemental model.
- MetLife: MetLife offers group and individual life, disability, accident, and supplemental health benefits through employer and broker channels — directly competing with Combined Insurance's voluntary benefits offerings.
- Lincoln Financial Group: Lincoln Financial provides group life, disability, dental, and supplemental benefits products to U.S. employers and individuals via brokers and financial advisors — a comparable voluntary/supplemental benefits competitor.
- Unum Group: Unum is a major provider of disability, life, and supplemental health insurance in the U.S. workplace market, overlapping directly with Combined's Workplace Solutions division and disability/life product lines.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Combined Insurance social profiles
Digital presenceCombined Insurance compliance and trust
Trust signalCompliance6 records
Combined Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Combined Insurance leadership team
Management profileNumber of profiles
Combined Insurance subsidiaries and ownership
Company hierarchySubsidiaries2 records
Combined Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Combined Insurance M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Combined Insurance
What does Combined Insurance do?
Combined Insurance sells supplemental insurance products that provide cash benefits to fill coverage gaps left by traditional medical insurance. Its portfolio includes Accident, Cancer, Critical Illness, Disability, Hospital, and Life Insurance sold to individuals and families (via independent agents) and to mid- and large-market employers (via brokers and benefits consultants under the Chubb Benefits Workplace Solutions division).
Is Combined Insurance a public or private company?
Combined Insurance is a private company. It is currently operating.
When was Combined Insurance founded?
Combined Insurance was founded in 1922. It employs 5,001 to 10,000 people.
Where is Combined Insurance based?
Combined Insurance is headquartered in Glenview, United States, in the North America region.
How does Combined Insurance make money?
One revenue line is on record: supplemental Insurance Premiums.
Who are Combined Insurance's main competitors?
Broad incumbents on record are Humana, CVS Health (Aetna), Allstate and Cigna Group. Direct peers are Aflac, Sun Life Financial, Globe Life, MetLife, Lincoln Financial Group and Unum Group.
Does Combined Insurance have an API?
No public API is recorded for Combined Insurance.
What industry is Combined Insurance in?
Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of FSAIAKAI, Specified Disease Hospital Indemnity (e.g., Cancer Hospital Indemnity). Its NAICS code is 52411 and its SIC code is 6321.