top of page
Combined Insurance
Trusted Supplemental Protection Backed by Chubb
Combined Insurance, a Chubb company, has been providing supplemental insurance solutions for more than 100 years. Their focus is simple: helping individuals and families stay financially protected when unexpected events disrupt life. Unlike traditional insurance plans that may leave gaps in coverage, Combined offers practical, cash-based benefits that support you during accidents, illness, disability, hospitalization, or loss of life.
As part of the Chubb family — one of the strongest and most respected insurance groups in the world — Combined delivers reliable protection, financial stability, and peace of mind when you need it most.
Whether you’re looking to enhance your existing benefits or wanting a personalized plan that fits your needs, Combined’s products are designed to help you stay financially secure in challenging times.
Insurance Coverage Options Available Through Combined (A Chubb Company)
At Ali Ghodsi Insurance Services, we partner with companies that prioritize people — not paperwork. Combined’s products are built to support real-life situations with straightforward, fast benefits paid directly to you, allowing you to choose how the money is used.
Clients often choose Combined because:
-
Their plans complement government and employer benefits
-
They provide practical, flexible cash payouts
-
Their products are simple and affordable
-
They are backed by the global strength of Chubb
-
They help individuals stay financially stable during unexpected events
Combined is a trusted choice for individuals, families, self-employed professionals, and anyone looking for additional layers of financial protection.
Insurance Solutions Available Through Combined
Below are the core coverage categories offered through Combined Insurance. These descriptions are rephrased professionally for website use while preserving the original meaning of each product.
Accident & Sickness Coverage
Life can change quickly when an unexpected injury or illness occurs. Combined’s accident and sickness plans offer cash benefits you can use for daily expenses, medical needs, transportation, or any out-of-pocket costs that arise during recovery.
-
Accident Protector : Provides cash benefits when a covered accidental injury happens. This support helps you manage financial stress while you focus on healing.
Critical Illness & Cancer Coverage
A serious diagnosis brings emotional and financial challenges. Combined’s critical illness and cancer plans offer a lump-sum cash benefit upon diagnosis of a major condition, with partial payouts available for certain early-stage illnesses.
You can use the benefit however you choose — whether for medical bills, treatment, travel, childcare, home adjustments, or everyday living expenses.
Disability Coverage
If an accident or illness prevents you from working, disability coverage helps you maintain financial stability by providing consistent cash benefits.
-
Income Protector : Offers income support when you are totally disabled and unable to work, helping cover your essential living expenses during your recovery period.
Life Insurance Solutions
Life insurance through Combined is designed to support your family in the event of your passing. It provides a financial foundation that helps your loved ones manage expenses during a difficult time.
-
Supplemental Life Insurance :Ideal for anyone who wants additional protection on top of employer or group benefits.
-
Guaranteed Life Insurance :A simple, non-medical option that provides guaranteed acceptance, ensuring you have basic coverage regardless of health history.
Hospital Stay Coverage
Hospital visits often come with unexpected costs. Combined’s hospital plans pay cash benefits when you are admitted due to illness or injury, giving you the flexibility to cover medical needs, lost income, family travel, or everyday expenses. This support ensures that financial strain does not become an added burden during recovery.
Who These Plans Are For
Combined’s insurance solutions are ideal for:
-
Individuals without full coverage through work
-
Families needing extra financial protection
-
Self-employed professionals
-
Anyone wanting flexible, cash-based benefits
-
People recovering from illness or injury
-
Those seeking affordable, supplemental insurance options
Take the Next Step
Choosing the right coverage can feel overwhelming — but you don’t have to do it alone. Ali will walk you through Combined’s plans, explain how each benefit works, and tailor a protection strategy that fits your needs and budget.
Book a free consultation today and get personalized guidance on Combined Insurance solutions.
bottom of page