Your coverage goes with you.
Combined’s benefits are portable. If you change employers or retire, your coverage goes with you.
Protection for those who protect.
Built for
the Badge
Supplemental benefits designed around the realities of the job.
Welcome to Combined
A century of helping people prepare.
Founded in 1922, Combined Insurance has a long history of helping individuals and families prepare for the unexpected through supplemental insurance. Today, Combined is a Chubb company, backed by the largest publicly traded property and casualty insurers.
Our work with the Fraternal Order of Police in Texas brought the unique needs of law enforcement into sharper focus—and helped shape a benefits approach designed for those realities.
Built from listening. Designed to provide practical support when it matters.
Built for the Badge
Coverage that understands the assignment.
Law-enforcement-focused supplemental benefits can help meet needs that traditional coverage may not fully address.
$
5,000
Gunshot wound benefit
One example available through Accident coverage for a covered gunshot wound, on or off duty. Coverage terms and conditions apply.
Gunshot wound
$5,000 lump-sum benefit for a covered gunshot wound.
Stab wounds
Benefits for covered stab wounds and lacerations based on wound size, plus applicable additional surgical benefits.
Hepatitis exposure coverage
Accident coverage includes benefits for covered occupational Hepatitis B, C or D exposure.
PTSD counseling
Benefits for covered PTSD counseling visits.
Benefits that put you in control
Support that follows your priorities.
Following covered events, Combined supplemental benefits can pay benefits directly to you—helping with the expenses that are important to you.
Predictable by design
Applicable plans may offer level-rate or issue-age advantages, helping provide greater predictability over time. Product rate structures vary.
See how your benefits compare
Four ways to strengthen your protection.
Explore the role each type of supplemental coverage can play in a more complete benefits strategy.
01
Accident
Help for costs that can follow a covered accident.
02
Critical Illness
Support following a covered critical illness diagnosis.
03
Hospital Indemnity
Benefits for covered hospital stays and services.
04
Disability
Income support when a covered disability keeps you from work.
A thank-you for meeting with us
A conversation worth having.
As a thank-you for taking the time to meet with us, every member who completes an appointment with a Combined representative will receive a $12,000 Accidental Death policy at no cost.
$12,000
Accidental death coverage
You will designate your own beneficiary, and the $12,000 benefit would be paid to that beneficiary in the event of a covered accidental death. There is no cost for this coverage. Simply meet with us to receive it.
Book my appointmentProtection for those who protect
We look forward to serving you.
You’ve made a career out of protecting others. We’re here to help protect what matters to you.