Do the right thing because it is the right thing to do is more than a phrase it's part of the history of Combined Insurance. They're words we take to heart everyday and are a hallmark of our success.


With $100, a positive spirit and a vision to make the world a better place, W. Clement Stone founded Combined Insurance in 1922. Mr. Stone's story is the stuff of legend. Our rich insurance history and his legacy drives our company to this day.

Starting in 1959, with an expansion into Australia, Combined Insurance embarked on an ambitious plan for growth. Nearly 50 years later, we've expanded to serve the global market, offering our products in 10 countries in addition to the United States.

Today, we're still making insurance history. On April 1, 2008, Aon Corporation, announced the closing of the sale of Combined Insurance to ACE Limited (NYSE: ACE), parent company of ACE Group Companies, a global leader in insurance and reinsurance. ACE joins Combined Insurance in a mutual commitment to outstanding customer service and timely claims payment. Our financial strength affords us a sound base to better serve our policyholders and pursue exciting growth opportunities in the future.

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 an ACE Group company.


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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