Business Profile

Insurance Companies

Combined Insurance Company

Complaints

This profile includes complaints for Combined Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

306 total complaints in the last 3 years.
106 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/27/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
At the end of 2023 my employer, ****** ***************** was contacted by Combined Insurance and given a sales pitch about an OPTIONAL supplemental policy. My employer opted to give them a try and was told by Combined that they would schedule a meeting and talk to the employees about their policy. That never happened. They instead signed us all up without any knowledge or permission and no employee knew until we received a packet in the mail saying we were signed up and coverage started at the beginning of 2024. Once the employees found out about it and what it entailed most decided to opt out. Cut to 03/26/2024. I received ANOTHER packet saying that I was enrolled in a Life Insurance Policy that I never heard about or agreed to enroll in. This business was not upfront about how these policies were supplemented from our Social Security, nor did they even bother to tell us that we were being enrolled in policies that we had no knowledge about. How can a company digitally sign you up for something that you have to pay for without your consent? This is underhanded and completely dishonest.
Business Response
Date: 04/10/2024
April 10, 2024

Better Business Bureau
*************************************
*******, ** 60601

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that we have reviewed the details noted in the inquiry to your office and responded directly to the customer. Today, we sent the customer a letter acknowledging receipt of his inquiry to your office and confirming that the situation reported is being reviewed and addressed. We extended our apology for any concern or inconvenience the customer may have experienced regarding this matter. Our letter will arrive shortly.

Due to privacy- and as it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:03/25/2024
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Combined life insurance at ************** states they never received my multiple faxes from last Wednesday 3/20/2024
Business Response
Date: 03/30/2024
Hello. Please find our response to BBB ID No. ******** below. Thank you.
03.30.2024

BETTER BUSINESS BUREAU                                                                     Sent via the online complaint system
121 **************
SUITE 2000
*******     **    60601

RE:         BBB Complaint Case No.: 21482857

Dear Sir/*****,

We are writing in response to your correspondence dated 03/25/2024 regarding the BBB Complaint Case Number referenced above.

As claim information is classified as confidential, we are unable to provide your office with details regarding the insured claim. However, we contacted our **************** regarding this inquiry, and they have been in direct contact with the insured by phone and in writing.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations

Task #: 230895
Customer Answer
Date: 04/01/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*****************
Initial Complaint
Date:03/24/2024
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have not received the cash value surrender of $2358.86 for my policy which I canceled on 01/16/2024. The cancellation request occurred as a result of ongoing issues regarding receipt of the endowment associated with my account that was to be payable after 12/01/2023. I had initially reached out to Combined on 07/31/2023 via their customer support number ************** and was told I would receive an endowment via check after 12/01/2023. On December 7, 2023 I noticed I was going to be charged for January 1, 2024 and there was no information regarding my endowment payout. I again reached out to Combined via their customer support. During that call I was told a letter regarding my endowment was sent out on 12/01/2023. Once I questioned the representative further in regards to the supposed letter I was told I could submit a claim via my policy portal through ****. I attempted to do this but was told via an email from the **** portal that they did not handle life insurance claims. I then called back Combined and was escalated to a supervisor who informed me l would need to submit a request to ************ Services Worksite for my endowment. The fax number I was provided did not work and all faxes returned as "no answer". On 12/12/2023 I put the document in the mail. On 01/11/2024 I received two letters in the same envelope from Combined. The first letter dated 09/28/2023 stated my Accelerated Death Benefit Rider would terminate on 12/01/2023. The second letter dated for 12/27/2023 stated I would not receive my endowment due to the Accelerated Death Benefit Rider ending on 12/01/2023. On 01/12/2024 I reached out to Combined via their customer support. While on this call I was told I would have needed to file a claim on 12/01/2023 to have received my endowment. I then asked to for this to be sent to me in writing and was informed they would not.My sibling who also had the same type of policy and canceled the same day received her check from Combined dated 01/19/2024.
Business Response
Date: 04/02/2024
Attached is our response letter to your office. However, a separate, detailed response letter is being mailed to our customer. We placed our response letter to the customer in the outgoing mail bin today. In our letter, we provided a telephone number for her to call should she have any questions after reviewing the response. We appreciate her patience while the letter is being delivered by the USPS.
Customer Answer
Date: 04/02/2024

Complaint: 21478286

I am rejecting this response because: The attached message did not tell me anything other than a letter was put in the mail. I do not see why this letter could not be shared directly or in my customer portal with *****************************************. Additionally I filed a complaint with State of **************** Services and received the attached message back yesterday on 04/01/2024. At this point I would like the cash surrender check of $3050.45 that was referenced in the message provided by Combined Insurance to the State of *************** Services be sent to me. As of today, April 2, 2024 I have not receive a check from Combined Insurance.

Sincerely,

*************************
Business Response
Date: 04/09/2024
Please see our attached response.
Customer Answer
Date: 04/09/2024

Complaint: 21478286

I am rejecting this response because: I have not received the cash surrender check or any correspondence from Combined Insurance via the US *************** I was told by one of their customers service representative that mail is only sent once the mail bin is full and at that point the **** is notified to pickup the mail. So the check is likely still in their possession sitting in the outgoing mail bin.

Sincerely,
*************************
Business Response
Date: 04/17/2024
Our follow-up response is attached.
Customer Answer
Date: 04/17/2024

Complaint: 21478286

I am rejecting this response because: I will not consider this issue resolved until I receive and deposit the cash surrender check from Combined Insurance. At this time I have yet to receive any mail correspondence from Combined.

Sincerely,

*************************
Business Response
Date: 04/24/2024
Please see our attached response.
Customer Answer
Date: 04/29/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. It is sad that I had to file a complaint with BBB to get Combined Insurance to take any action on something that should have been resolved 5 months ago. Any Combined Insurance customers reading this who are having issues, please go ahead and file a complaint. The customer service call center with ***************************************** is extremely incompetent and the representatives are not knowledgeable about the insurance products sold by the company.

Sincerely,
*************************
Initial Complaint
Date:03/19/2024
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This is the second time I have filed a complaint. I am trying to get payment on my husband ****, behalf with our disability and cancer policies. Combined has paid partial payments on the claim. I have tried to resolve the issue by calling several times. I called March 11 and spoke to a manager about the problem with two of the claim payouts. He said that he understood and saw that they were not calculated correctly. I just received notice for another claim and that is calculated wrong also. i have called twice today and was hung up on. I was in the middle of discussing the problem with the claims manager ***, she hung up on me. So, claim number ********, the surgical payout and anesthesia are wrong, also the amount for chemo and radiation are wrong, he had 36 treatments per the information turned in. they only paid for 33. Also claim ******** the payout is wrong for the policy. As i spoke to the gentleman on 3/11/24 and he also said it was wrong. it states in the policy provides an additional monthly indemnity benefit of $800 during hospital confinement. This was not calculated. I don't understand why I am not able to speak to the adjuster directly. They have made several mistakes on these policies, and it is very difficult to speak with anyone. I have spent hours on the phone trying to fix these problems. I cannot believe how bad the customer service is. My husband and I have been customers for 50 years, we have several policies between and us and my children. I spend $400 a month in premiums for these policies and I am always on time with payment. I don't understand why it takes months to settle a claim.
Business Response
Date: 03/29/2024
March 29, 2024

Better Business Bureau
*************************************
*******, ** 60601

RE:          YOUR ID # ********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office and responded directly to the customer. A Claims Manager contacted the customer by phone on March 21, 2024, and explained the claim payments and further documents required to consider the claims for additional benefits. A follow up letter dated March 26, 2024 advising the same was then mailed.

As the release of policy information-specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that this inquiry has been addressed accordingly.

Thank you for contacting **.

Sincerely,

Combined Life Insurance Company of ********
Consumer Service Investigations
Task ID #******
Customer Answer
Date: 04/01/2024

Complaint: 21456619

I am rejecting this response because: I have spoke with the claims adjustor, I have given her all the information and still have not resolved the claim. The payout is wrong for the surgical and anesthesia. I have heard nothing. This company is very bad with communication and paying out on claims. You wait hours on hold to only be disconnected. When you do get someone they do not resolve the problem. If you leave a message, they never return your calls.

Sincerely,

*********************************
Business Response
Date: 04/06/2024
April 6, 2024

Better Business Bureau
*************************************
*******, ** 60601

RE:          YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your follow up correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has further reviewed the additional details noted in the inquiry to your office and responded directly to the customer with an update. The recent claim document received was processed for payment-- the customer was contacted by phone on April 2, 2024 and advised of the payment issued. A follow up letter dated April 5, 2024, explaining the update on the claim status, was also sent to the customer.

As the release of policy information specifically regarding claims is strictly prohibited, and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that this inquiry has been addressed accordingly.

Thank you for contacting **.

Sincerely,

Combined Life Insurance Company of ********
Consumer Service Investigations
Task ID #******/******
Customer Answer
Date: 04/09/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*********************************
Initial Complaint
Date:03/19/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Combined Insurance **** based in ******* ***. is using delay tactics to Stall repeatedly my claim for disability benefits that are rightfully due. Numerous attempts to inquire about my claim status and why this is taking so long are ignored.Many clients of this Ins. company Are voicing this same issue !
Customer Answer
Date: 03/19/2024
Hello,
I made 12 contacts by phone calls
beginning > 1/20/2024 thru > 3/19/24
I was repeatedly hung up on. by staff call center operators after being on hold for 53 minutes.
Business Response
Date: 03/27/2024
Our company's response to your office at attached.
Initial Complaint
Date:03/15/2024
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I filed a claim with Combined Insurance on 2/05/2024. I had flat foot reconstruction surgery as an outpatient in a hospital. They have had all my required paperwork. I have not received any communication in over 30 days other than an email and letter basically stating they received my claim. I have called several times to be told that my claim is under review. I was also told that I would be contacted by my claims adjuster within 48 hours on two separate occasions and still have yet to hear any response. I have been a long time customer with multiple policies and this is my first claim. I checked on the specifics of this policy and the benefit prior to my surgery and followed the given instructions. I feel like they have robbed me of my premiums all these years and have no intention on paying my claim. I want what is rightly owed to me and what I have paid for probably 3 times over. Not to mention I have also checked daily on the self-serve portal they have and there have been NO changes since I filed the claim. The email and online portal states specifically we will keep you updated on their progress!! That clearly is not accurate.
Business Response
Date: 03/27/2024
March 27, 2024

Better Business Bureau
*************************************
*******, ** 60601

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office and responded directly to the customer. The Adjuster contacted the customer by phone on March 19, 2024, and advised of the claim payment. The Adjuster also followed up with a letter dated March 25, 2024, explaining the claim handling.

As the release of policy information-specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that this inquiry has been addressed accordingly.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Customer Answer
Date: 03/29/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*******************************
Initial Complaint
Date:03/14/2024
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On March 14, 2024 I contacted the company regarding a life insurance policy being cancelled for the second consecutive month although a payment was made. I have had the policy for 15 years and over that time has paid $1,100 for the policy. Last month I was told that the matter was resolved but again found the policy cancelled. Upon calling the company, I was told that a reinstatement letter was sent that I have not received and today was the last day. When ask if the matter could be done electronically because of the circumstance; the company ended the conversation and said they would call me back. I have not received that call. The policy number at Combined Insurance in dispute is W0636442
Business Response
Date: 03/26/2024
Hello. Please review the attached response at your earliest convenience. Thank you.
Initial Complaint
Date:03/08/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Listen, I will be canceling the two policy I have with them. This is my 2ND TIME having a bad experience with them and Im not paying my hard working money to a company who behaviors fail to meet customers needs and expectations. I file a claim way back on January 22,2024. The same day, I had my address change. So everything was done before it got approved for any type of form of payment. My claim was approved on the Feb 17,2024. I have not received any money as of yet and we are in the month of march. I never spoken to my adjuster whos handling the case. I had to call them back to found out they sent a check it to the wrong addressed. They so called tell me they cancel the check and re-issue a second check with the correct address. I called back to found out the second check was sent to the exact same wrong address they use for the first one. At this point , I dont want they to mail me a check. Just let me get a direct deposit. Never was aware I had an option to elect direct deposit in my bank, nor there was a form for me to steal complete after I called in the claimed. deposit in my bank nor there was a form for me to steal complete after I called in the claim now today March 8th,2024 Ill call them again to find out what is the problem with them sending me the check to my home address, I spoken to a representative named ******, and he told me it was unnecessary for me to keep calling about a ongoing issue and trust the supervisor. That person you have to represent yall company is very unprofessional and incompetent. It was very clear to me as a customer for almost 10 years to this ********************** that I am not value nor appreciated for the business that I bring to it .
Business Response
Date: 03/20/2024
Our company's response to your office is attached.
Initial Complaint
Date:03/07/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have paid for Accident and Sickness insurance from the agency. I had a heart attack on December 29, 2023. I filed for my insurance policy 10 days later. As of this date (March 7, 2024) I have received zero compensation and only more and more HIPAA release requests for more medical history. This policy has nothing to do with my medical history. This was the first time Id ever had a heart attack or major medical event.
Business Response
Date: 03/16/2024

March 16, 2024

Better Business Bureau
*************************************
*******, ** 60601

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office and responded directly to the customer. The Adjuster contacted the customer by phone on March 11, ******** a voicemail message and advised of the claim payment.In follow up, the Adjuster sent a letter dated March 13, 2024, explaining the claim handling.

As the release of policy information-specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that this inquiry has been addressed accordingly.

Thank you for contacting us.

Sincerely,

Combined Life Insurance Company of ********
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:03/06/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The company canceled my 2 son's life insurance policies. They keep saying they never received payment but they they did. All payment prior to November *************************************************************************************************************** through my bank. All checks were cleared by them. They have no claim that payments weren't made and now they are saying they cannot reverse the cancelation even though I have proof of payments. They are liars and thieves. They took my policy money at the same exact time as theirs and applied mine the same as theirs. I was all of my money back for their policies if they are going to lie about why they canceled.
Business Response
Date: 03/21/2024
We are providing a response for Case ID No. ********.
03/21/2024

BETTER BUSINESS BUREAU OF *******                             Sent via the online complaint system
&NORTHERN ********, INC
**************************************
SUITE 2000
*******     **    60601

RE:         BBB Complaint Case No.: 21396626

Dear Sir/Madam,

We are writing in response to your correspondence dated 03/07/2024 regarding the BBB Complaint Case Number referenced above.

Policyholder information is classified as confidential, and we are therefore unable to provide specific feedback to your office. Instead, we contacted the Policyholder today by secure email to confirm our investigation is underway and to request additional information from her. She has already replied. We will be in contact with the Policyholder again once our investigation is complete.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations

Task #: 223533
Customer Answer
Date: 03/21/2024

Complaint: 21396626

I am rejecting this response because:
The response does not solve my problem with what they did. So until the either fix their mistake or give me my refund of all the money I paid them, then this issue is not resolved.

Sincerely,

*********************
Business Response
Date: 03/26/2024
03.26.2024

BETTER BUSINESS BUREAU OF *******                                   Entered directly in the online complaint system
121 **************
SUITE 2000
*******     **    60601

RE:         BBB Complaint Case No.: 21396626

Dear Sir/Madam,

We are providing an update for the BBB Complaint Case Number referenced above.

We received notification today, that two special offer letters (with Illustrations) will be mailed to the Policyholder by **** mail. The letters will include details on the premium amount required if the special offer is accepted. The Policyholders response and the required payments are due by May 1, 2024.

In the meantime, we will notify the Customer (by email) that special offer letters (with illustrations) will be mailed to the address on file within the next ten business days.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations

Task #: ******
Customer Answer
Date: 03/27/2024

Complaint: 21396626

I am rejecting this response because:
I still have not received an answer as to why my son's policies were cancelled when proof of payment was clearly given to them. I would like them to admit to their mistake and not claim this as a special offer when this was a mistake they made.
Sincerely,

*********************
Business Response
Date: 04/02/2024
Dear Sir/*****,
Our response for the BBB follow-up rejection is shown below.
04/02/2024

BETTER BUSINESS BUREAU OF *******
121 ********
SUITE 2000
******* ** 60601

Entered directly in the online complaint system

RE: BBB Complaint Case No.: 21396626

Dear Sir/*****,

We are responding to your letter dated March 27, 2024,regarding the Policyholders rejection rebuttal.

We spoke with the Policyholder at length on Friday, March 29, 2024, regarding her payments concerns. We explained the policies were no longer in force due to insufficient premium payments and we suggested that she contact her former employer regarding missed payments. We assured, the Special Offer Letters (2) were mailed, and that she should receive them shortly. It is our hope that she will take advantage of both offers. A follow-up email will be sent to the Policyholder today in which we will reconfirm the same.

The deadline for the Special Offers is May 1, 2024.

Thank you for contacting us.

Sincerely,
Combined Insurance Company of America
Consumer Service Investigations
Task #: ****** (flwp to rejection rebuttal)
Customer Answer
Date: 04/03/2024

Complaint: 21396626

I am rejecting this response because:
One, I have not received any letters to reinstate their policies and two, I was in contact with my former employer and they ensured my deductions were taken out and payments were made. There is an obvious error here that is not being addressed and needs to be done so. I am tired of the run around. The company needs to contact my former employer about the payments made during that time since I cannot get that information anymore since I don't work there, like checks being cut etc.

Sincerely,

*********************
Business Response
Date: 04/08/2024
Please review the attached response for the Customer's follow up rejection. Thank you.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Combined Insurance Company is BBB Accredited.