My family has been a Combined family for years. We have dozens of policies. Originally, they paid out and were easy to work with. However, in the past few years, in relation to an elderly parent who had multiple policies across 20 years, they refused to pay out. Its been a constant fight to get what the policy promised. They are utterly impossible to work with, and their customer service people will deflect for months to try to get you to walk away.
The govt does nothing about these companies who refuse to pay on micro policies. Its impossible to know what a company will be in 20 years, and then you're too old to start again somewhere else. This is highly detrimental.
Be sure you have a physical copy of your original policy, because they will provide altered documents rather than your original, and tell you it was the original.
In short, utterly disreputable.
Reason of review: Bad quality.
Monetary Loss: $1800.
Preferred solution: Deliver product or service ordered.
Combined Insurance Cons: Fraudulently deny payment.