As a member of the Chubb Group of Insurance Companies, Combined Insurance offers products in North America. We take pride as a leader in the supplemental insurance industry with a solid financial base and a bright future.

With a positive spirit and a vision to make the world a better place, W. Clement Stone founded Combined Insurance in 1922 opening his first office in Chicago, Illinois. Expanding into Canada in 1956, our rich insurance history and Mr. Stone’s legacy remain key drivers of our company culture.  

Combined Insurance Canada has offices located nationwide with Sales Representatives in every province. Our continued growth means we aim to attract qualified professionals to join our corporate and regional offices in support of both our customers and our sales team.

Key Milestones in Combined Insurance History


W. Clement Stone borrows $100 and moves to Chicago, rents desk space for $25 a month and establishes an insurance agency under the name Combined Registry Company.


Combined Mutual Casualty Company is organized and the company continues to expand with the purchase of the American Casualty Company in Texas.


W. Clement Stone captures in writing the principles of his Positive Mental Attitude (PMA) philosophy and selling system with the release of his book, The Success System That Never Fails.


Combined expands across the Atlantic to Europe with the addition of Britain and Northern Ireland.


Combined Life Insurance Company of New York is formed.


The holding company Combined International Corporation is formed.


Ryan Insurance Group merges with Combined International Corporation to form what later became Aon Corporation. Mr. Stone takes on the duties as its first Chairman. Patrick Ryan becomes the President and Chief Executive Officer.


Combined Insurance reaches its 75-year milestone.


Combined Insurance is sold and becomes a member of the ACE Group of Companies.


ACE acquires Chubb, creating a global insurance leader, with the combined organization operating under the Chubb name.

Anonymous - A Family
Anonymous - A Family A family

My family and I needed help understanding our supplemental insurance policy and the claims filing process. The people at Combined Insurance explained everything to us clearly and made the process easier for us.

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