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Combined Insurance

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44 complaints

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Combined Insurance is an American company. The company specializes in supplemental insurance. The company was founded by W. Clement Stone. The tagline of the company is: "Let us make it easy. Combined Insurance." The company provides a diverse range of different insurance products such as supplemental accident and health insurance. The company operates in the United States, Canada, Ireland, New Zealand, Portugal, Spain, Thailand, and the UK. Combined Insurance is famous for providing easily understandable supplement insurance plans. In addition, the company offers professional advice on selecting supplement disability and other coverage.

Combined Insurance is recognized as a leader in supplemental insurance. Please try to contact Combined Insurance Customer Service directly prior to posting any complaints on this site.

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Combined Insurance Reviews

Anonymous
Combined Insurance

I was an agent for this piece of *** company back in the 80's. I see they are still ripping people off. Amazing that so many of my superiors got rich off of fake and non exist...

#283542
Dec 23, 2011
304

Ratón P...
Combined Insurance sales force in Spain was sude by the company

AL JUZGADO DE INSTRUCCIÓN   Laura Fernández Fornes, Procuradora de los Tribunales y de la mercantil COMBINED INSURANCE COMPANY OF EUROPE LI...

#282985
Dec 21, 2011
224

Sarah l
Combined Insurance - I love combined

Combined has paid multiple claims for me and my family always recieve the best from agents has helped friends people that dont get paid are *** and are trying to get money for...

#280953
Dec 12, 2011
322

Hatecomb...
Combined Insurance teached me how to lie to my customers and also took all my money

I apply online because the opportunity they where offering was amazing, *** me I believe them. First week they said we will pay u $1000 if do this, I did it, lie to my customers...

#279651
Dec 06, 2011
408

Lindaabe...
Combined Insurance - Combine insurance full of crap!

My husband had several policies with this joke of insurance company one of the policies was for if you were to get injured and not able to work they would pay him what he's was...

#278038
Nov 29, 2011
507

Anonymous
Combined Insurance - TAKING MONEY OUT OF MY MOTHER CHECKING ACCOUNT AFTER CANCELING 2 POLICYS

I CANCEL 2 OF MY MOTHER POLICYS AND THEY ARE STILL TAKING MONY OUT OF HER CHECKING ACCOUNT. I CALL THEY SHOW IT BEING CANCEL BUT IT WAS TO LATE TO STOP PAYMENT FROM COMING OUT THAT...

#277142
Nov 25, 2011
349

Coalmama
Combined Insurance - Have not paid and falsified medical codes with no appeal process!

Stopped paying after IME which was a 10 minute joke when I complained they sent my records by computer and used only one medical code for a strain instead of all four medical codes...

#275409
Nov 16, 2011
311

Mary mor...
Combined Insurance - My death certificate was not returned to me

I KNOW I MYSELF HAD ACCIDENT INSURANCE, WITH COMBINED ISNURANCE. IWAS INQURING ABOUT THE ACCIDENT INSURANCE ON OR ABOUT JULY 2011THEN ,BEING MY MOTHER AN I HAVE THE SAME NAME, PA...

#270533
Oct 25, 2011
391

Anonymous
Combined Insurance - Worst Customer Service

Combined Insurance has the worst customer service of ANY company I have every dealt with. They do not return calls or emails and on the rare occassion that you actually talk to a h...

#270044
Oct 23, 2011
420

Danny si...
Combined Insurance - Combine insurence has not paid my claim of Almost year

This company has been laxed in paying my claim, i had a work related injury while i was still covered by combine and i am still unemployed and no money and this insurence company ...

#260762
Sep 09, 2011
567

Anonymous
Combined Insurance - 8 months after accident not a dime but plenty of excuses

My father owns his own business and n oct had a brain anurisium. His business has been shut down he's still paying his bill they send ,he has been a customer of theirs for yea...

#241491
Jun 05, 2011
1126

Happyfella
Combined Insurance - Very Pleased with my Claim!

I was at work and i cut my hand, got 4 stitches. Phoned the sales agent who sold me the "hero" and "top" and he helped me with my claim. Sent it away and in less than a week i got ...

#238657
May 20, 2011
1056

Susie12
Combined Insurance - Beware

I have been a Combined Insurance customer for many years with a wide variety of policies, as have other members of my family. I became disabled from a Worker's Com...

#231721
Apr 11, 2011
1975

TOTALLY ...
Combined Insurance Company is incompetient.

Run Forrest Run!DO NOT use this company. They are a bunch of incompetient people. They will double bill you and then when you catch them at it even though they c...

#229931
Mar 31, 2011
1132

Anonymous
Combined Insurance - Rip off

Bought a accident / sickness policy back in Aug.2010 .The policy is suppose to start same day. I became ill in late Oct.2010 Doctor put me out of work totally disabled.Now today 03...

#226698
Mar 14, 2011
2249

Disabled52
Combined Insurance - Refuse to pay on my disability policy even after I received disability through my state.

I have an income protection policy. I became disabled June 1st, 2009. It is March, 2011 & the claim has not been paid. I have to see a doctor every month & send them a form.

#224820
Mar 03, 2011
502

Anonymous
Combined Insurance - If you die they still do NOT pay

I have a good friend who's brother died in an auto accident in August of 2010. They had a life insurance policy. Combined has lost the death certificate twice, the doctors stat...

#221719
Feb 15, 2011
1353

Anonymous
Combined Insurance - I have had this insurance for many years and i have NEVER had any problems with claims

This is a good company these complaints are probably because they did not give the correct or relevant information they required. my wife had a knee rupture from slipping and twist...

#221230
Feb 12, 2011
1059

Anonymous
Combined Insurance - The company can stop taking money from my checking account before the 28th of the month

I am getting very sick and tired of Combined Ins. taking their money out of my bank account at odd times! I have asked repeatedly that it not be removed until the twenty eight day ...

#218432
Jan 26, 2011
1217

Roscoe1
Combined Insurance Refuses to Pay

The company collects premiums from supplemental insurance programs such as a "Hero Plan" but makes the claims process so inconvenient it’s not worth completing the process. Every...

#218156
Jan 25, 2011
893

Anonymous
Combined Insurance

Had paid policy for eleven years without a claim, filed disibility claim and it took over two months for a check, held the next check for two more months waiting on their medical r...

#217017
Jan 18, 2011
659

Jory73
Combined Insurance - Do Not Waste Your Money

I purchased Combined Insurance about 12 years ago. I never had to file a claim until last year. They asked for verification from every doctor I have seen in the last five years. ...

#215514
Jan 09, 2011
887

Brown24
Combined Insurance!! Paying for Income Prot. Havent recieved a penny!!

Got Combined Insurance over a month ago,broke my hand off the jobsite.Suppose to cover me on and off the job.Benn paying for my insurance on time.Accident happened and i try to rec...

#214624
Jan 04, 2011
648

VitosWife
Combined Insurance - Combined sucks!!

Combined is the WORSE insurance group i have ever known.If i wouldve read the reviews first i would have never wasted time with this SORRY company.They are sooo slow in processing ...

#212708
Dec 22, 2010
930

Anonymous
Explain "Combined Insurance" accident insurance benefits.

I've read a lot about Combined Insurance accident insurance policy. I'm looking at a policy from CLICNY (Combined Insurance of New York). Please explain the benef...

#210086
Dec 04, 2010
1066

Madderha...
Combined Insurance

I have called combined insurance a total of three times in the yrs i have had ins.. I used to be very pleased with them (1996-97). Last two times I have called in Chicago. The rep ...

#207585
Nov 17, 2010
852

Anonymous
Combined Insurance - Would not pay claim!

Filed a claim for an accident in July, 2010 for accident, Combined would not pay, don't know why, since I have accident policy with them. Luckily I have another policy that DI...

#207328
Nov 15, 2010
768

Sunny2326
Combined Insurance ARE CROOKS!!!!

PAID ON A POLICY.....HAD AN ACCIDENT.....FILED THE CLAIM....AFTER 3 MONTHS THEY DENIED THE CLAIM BECAUSE MY PHYSICIAN FILLED OUT THE FORM WRONG AND THEY HAVE NOW INTERPRETED IT TO ...

#207023
Nov 13, 2010
1210

Anonymous
Combined Insurance a ripoff

Me, my father and my grandmother have been customers for over 30+ years... he passed away and i tried to file a claim for his hospitalization insurance and they wanted to give the...

#193276
Aug 10, 2010
789

Kayts
Combined Insurance - 30 year customer 3 accident policies broke back can't collect

What a ripe off I have been a customer of Combined for 30 years and have 4 policies. Probably collected $100 in all that time. Now I finally got smart and dropping them. I fell ...

#193097
Aug 09, 2010
1705
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Related Information

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Insurance is a form of risk management primarily used to hedge against the risk of a contingent loss. The process of insuring something or someone presupposes the involvement of two parties ?The insurer and the insured. An insurer is a company selling the insurance to a person, who is the insured. The insurance rate is a factor which determines the amount, the premium, to be charged for a certain amount of insurance coverage. The event that gives rise to the loss that is subject to insurance should, at least in principle, take place at a known time, in a known place, and from a known cause. The best example is death of an insured on a life insurance policy. Fire, or automobile accidents, as well as worker injuries may all easily meet this criterion. A large number of insurance policies are provided for individual members of very large classes. Automobile insurance, for instance, covers about 175 million automobiles in the United States.

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