Program Information Combined Insurance has been serving customers since 1922. We have over 3 million supplemental insurance policies in force in North America and pay out almost half a billion dollars in claims every year ??? nearly $1 million every business day. Combined Insurance has more than $5 billion worth of life insurance policies in force in North American and pays nearly 200,000 claims a year. And we pay fast, with most claims processed within a few days of filing. Combined Insurance is proud to be rated A+ (Superior) by A. M. Best Company.