Anonymous
map-marker Oceanside, California

Difficult to file a claim

Great customer services to get new policy’s or make a payment but a file a claim no easy where the great customer service
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Anonymous

Phone number listings

The phone number (888) 234-**** is not in service.
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darlene p Xxy

Multi Level Marketing "Rape"

Do not trust this Company. Agents are unprofessional, aggressive and obviously the co. hires anyone.

How bad is that.

In talking with neighbour who had this insurance, they advised to stay away. Scam. They don't pay their claims.

I do not recommend. Go to a more reputable company.

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Reason of review:
Bad quality
3 comments
Guest

combined insurance does not pay claims, this is a scam

Alta Ncp

Combined is terrible company. Customer service is bad.

I had trouble with a claim and could not find anyone who would help me. Called up 3 agents and all of them had left the company. Last resort was call the office/customer service.

The person was very rude and hung up on me. BAD COMPANY

Guest

Bad company..poor customer service. Appears to be a scam The agent made all these promises and left 1.month later Agents here today gone the next.

Could not find absolutely anyone to help me with my claim. Office was useless. Rude..

Spoke to sales leader and he was babbling away. Couldnt make out a word he was saying

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James E Het
map-marker Brainerd, Minnesota

A run around

I've had combined ins. since 1987 (still have that policy and more).

I filed a claim under accident policy (I have four policies). The chiropractor filled out their part and I sent it in (I haven't had a claim in at least 3 years). Now they want me to sign a full medical disclosure. That's not so much the problem as the wording in the disclosure.

It states that there's nom guarantee that the info won't be redisclosed and that my info is not pertected by the federal confidentiality laws. It also says that the form is not conditioned on payment of the claim. Well they can kiss my a_ _. They can keep there insurance!

I wouldn't buy anything from them. I called on this, yet no one could help me but my claim rep. and he's not there today (a Wednesday). Why do I need to submit all my medical info?

there's no reason they need this.

It was a simple accident and I was off from work (self-employed carpenter) about a week. I was told by 3 agents that the two policies I have from 1987 & 1989 that combined would like me to cancel as it costs combined a lot of money for these two policies.

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Reason of review:
Order processing issue
1 comment
Guest

Modern day Rainmaker!

Anonymous

THIS COMPANY SUCKS!

THEY INCREASED PREMIUMS TO ALMOST $400 A MONTH WHEN I WAS PAYING LESS THAN 150. THAT'S A 200% INCREASE! THIS COMPANY IS INSANE. STAY AWAY
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Pros:
  • Totally pissed me off
Cons:
  • So far my experience has made me think i made a big mistake
  • Bad faith
Reason of review:
Pricing issue
Bob Lej
map-marker Victoria, British Columbia

Scam! don’t bother wasting your money on this company.

Awful customer service also they told me i would get a reimbursement of the whole amount after 20 years without a claim, turns out they say almost all the policies i had were not elegabale. They have been charging me 260 per month after telling me when they sold me the policies that it would cost 120 per month. I didn’t bother making a case of this because it was supposed to be reinbursed anyways if i didn’t claim. It’s been close to 20 years so i called they now claim it’s only been 8 years because they modified something i wasn’t even aware of and anyways only a 40$ per month was elegable.

I decided to cancel all the ones that were not elegable so it was supposed to go down to 40$ per month but they were now charging 120 per month. Finally was able to reach them again and cancelled everything.

I hope they will now stop charging me but still haven’t got proof because they keep charging for another month anyways even if you cancel.

This company is a scam!

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Reason of review:
Bad quality
Same C
map-marker Lansdowne, Ontario

Right arm

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Hi my name is Sam I'am turned down from work for work related injury sents then I was working on my sled and bust I got a very large tear on my rotator cuff file a claim with combined insurance In 2018 it has been sents I has 20 percent use of me right and I have been to 3 specialist and the forth on the way and combined denied my claim what is the point in having Inc they are a bunch of frauds and I can get a liar to help me they are going to court
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Reason of review:
Order processing issue
Anonymous

Untrustworthy assurances are normal for this company.

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I agreed to let a district manager take my personal financial information, namely, my checking account info, in order to determine whether or not I was acceptable for a whole life insurance policy. I was told that it was necessary for the company to check me out to make sure I was a viable candidate. I was verbally assured that it was only to assess my financial creditworthiness and that it would be up to me to decide whether or not I wanted the policy after that was done. After speaking with my wife (the intended beneficiary) I decided that I wanted to pass on the offer. When I was contacted, as scheduled, by the original agent, I said I decided against the policy. Unfortunately, and against the assurances made to me, allegedly in good faith, I was told that the policy was already in place. This company is populated by snakes. DO NOT DO BUSINESS WITH THEM!
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Reason of review:
underhanded sales tactics
1 comment
Guest

That story smells like last weeks garbage. Nobody ever ran my credit score ; all they wanted was a check to get it started.

They were looking for some way to justify (in their minds) screwing you over.

If you didn't sign the actual policy, there is no way they can force that upon you. Applying is not the same as accepting from your side.

Anonymous
map-marker Allendale Charter Township, Michigan

Service is horrible

I was going to cancel my policy because I got other coverage through a new job. First the web site would not let me log on.

I called several times and was hung up on. Finally after waiting 34 minuets on hold I talked with a not friendly person who said I had to FAX in some thing to "ask" for a refund of premium.

So never used the policy and they now have another month of my premium for nothing. Stay away.

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3 comments
Guest

combined insurance is fraudulent

Guest

I had same experience. They would not stop withdrawing $ from my account.

Cancelled my policies. Too much hassle trying to get claim through. They were looking for any reason so as not to pay. Tried to contact several agents but all had left the company.

Dealing with the office was a nightmare.

This company has really gone downhill. Stay away.

Guest
reply icon Replying to comment of Guest-1663273

You are so right, Their a joke of a company. Their agents (some of them) are liars an crooks.

I canceled all my policies except the cancer one.

They will take your money that's for sure. Anyone who says that they haven't had problems with them ether hasn't been there long or has never filed more than one claim.

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Arthur c Sam
map-marker New York, New York

Very upset

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My husband has been a customer for many years. He had his toe amputated and has not received a dime. No one answers the phone and when they do they tell him that they can’t speak to him directly because he is on the policy with his ex wife .
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Reason of review:
Problems with payment
Tara F Nfu
map-marker Miami, Florida

Completely DISSATISFIED

I’m in the process of canceling my policy with Combined Insurance they simply are a scam! I’ve contacted my bank to STOP the automatic deduction and plan to write a letter to cancel. They CANNOT make any deductions from my account so wish me luck canceling with the company.. hopefully they just drop me.. you live and learn!!!
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1 comment
Guest

Yes Combined Insurance is a scam.

Susan H Mie
map-marker Williamsport, Pennsylvania

P.O.S. Company

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The very first time I needed to file a claim all I did was fill out a form and send the form in with a tow job bill, and they sent me a check in the mail.... Well needless to say I needed another tow job called a tow company I gave the tow company a check call Combined ROAD & TRAVEL up to tell them... and they tell me this time, we dont do business that way... I flipped the F out and cancelled my policy with them I am telling anyone out there cancel your policy with this P.O.S. company... You can find other companys out there that are way better then these P.O.S. company.....
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Loss:
$125
Reason of review:
Return, Exchange or Cancellation Policy
Anonymous
map-marker Veteran, Alberta

Unpaid claim

Skipped and fell on ice had problems with knees after had both knees scoped july 2018 never recievd payment that was entitled to
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Reason of review:
Problems with payment
2 comments
Guest

Combined Insurance does not pay claims. Bad experience and good luck trying to find someone who will help you.

Last agent told me he used to sell drugs. And then tried to see if I was interested.

Terrible experience and I am embarassed to say I had fallen for their sales tactics. Go to a reputable company and buy real insurance.

Guest
reply icon Replying to comment of Guest-1661069

Bad bad company. Stay away.

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LUMENE K
map-marker Newburgh, New York

BAD VERY BAD. STAY AWAY FROM THEM!!!

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Sad I HAVE THEM 4 YEARS. I DID ACCIDENT, I REQUEST MONEY THEY IGNORE ME. THEY SENT ME PAPER TO FILL. NEVER RECEIVED THE MONEY AFTER MY SURGERY. STAY AWAY FROM THIS COMPANY!
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2 comments
Guest

How can you contact the main company?

Guest

Your agent who sold you did a poor job of looking after you! The company pays.contact the head office and speak to customer service!

If it was a legit claim they will pay you! Call them call them 1 (88*) ***-****.

Hope this helps you.best of luck. What type of policy did you have Paul

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Terry w Zww
map-marker Binghamton, New York

Extremely dissatisfied

Poor customer service everyone clueless and reading the same information to me. Submitted accident claim , they send a check and the check was returned by my bank saying refer to maker! Nobody can help! It’s been 3 months now!
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1 comment
Alta Ncp

Agree

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