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Rich Williams

President, Combined Insurance 
Mr. Williams oversees all business operations, management, and growth strategies at Combined Insurance. He joined Combined in 2021 from Aflac, Inc., where he was a core member of its global executive management team and most recently served as President of Aflac Group Benefits. Prior to joining Aflac, Mr. Williams held a series of leadership positions, including at Unum U.S., Colonial Life, and Aetna. An actuary by training, he is a Fellow of the Society of Actuaries (FSA) and a Member of the American Academy of Actuaries (MAAA). Mr. Williams is a graduate of Wofford College in South Carolina. He earned a Master of Arts degree in Mathematics from Wake Forest University and a Ph.D. in Mathematics from the University of South Carolina.


Chris Martin

President, Chubb Workplace Benefits
Mr. Martin joined Combined Insurance in June 2011 bringing with him nearly 20 years of experience in management and development of worksite-style businesses including 17 years with Trustmark, a life and health insurer and employee benefits provider. In addition to his extensive experience, Mr. Martin holds a bachelor’s of economics from Yale University and a master’s of management in marketing and organization behavior from the Kellogg School of Management at Northwestern University.


Mat Matarrese

Senior Vice President, National Sales Manager
Mr. Matarrese is responsible for driving the sales growth strategy for Combined Agency Distribution through agent recruitment, sales production, professional development, and building and maintaining client relationships. He joined Combined Insurance in 2018 after holding sales leadership roles at Aflac and Colonial Life.  Mr. Matarrese, who started his career as a sales agent, is licensed in Accident/Health and Life Insurance and holds a bachelor’s degree in Business Administration from the University of Wisconsin at La Crosse. 


Chris Anderson

Senior Vice President, Chief Financial Officer
Mr. Anderson is responsible for the end-to-end leadership of the company’s Finance function. He joined Combined Insurance in 2014, and previously held the role of Controller. Mr. Anderson has 30 years of professional accounting and finance experience at a major accounting firm, where he led the delivery of audit and tax services to several large insurance organizations.


Eileen Castolene

Senior Vice President, Chief Operations Officer 
Ms. Castolene and her team are accountable for providing differentiated service experiences, both directly, and indirectly, to Combined’s customers. Her oversight includes claims; service support to brokers and corporate clients; and contact center and back operations for individual consumers.  In addition, she is accountable for delivering resources and capabilities that enable quality delivery of transformational initiatives across the enterprise.


Sadaf Siddiqui

Senior Vice President, General Counsel
Ms. Siddiqui is responsible for all legal and compliance matters for Combined Insurance. She joined the legal department of Chubb Life Insurance Company of Canada in 2012, providing legal and regulatory counsel to Chubb Life and the Canadian branch of Combined Insurance. A member of the Law Society of Upper Canada and the New York State bar, Ms. Siddiqui has almost 20 years of progressive responsibility in the financial services sector with a concentration in the life, accident and health insurance industry, both in her prior roles with a prominent Canadian life insurance company and a multinational special risk carrier.


Alex Faynberg

Senior Vice President and Chief Actuary
Alex joined Combined, Actuary team as a Senior Vice President & Deputy Chief Actuary in April, 2016, focused on reserving, data analytics, financial actuarial results, and support of Actuarial Targeted Operating Model project. In January 2017 Alex was promoted to Senior Vice President, Chief Actuary. Prior to joining Combined Insurance, Mr. Faynberg had progressive career paths at Liberty Mutual, AIG and New York Life.


Frank Rockett

Senior Vice President, Human Resources
Mr. Rockett leads Combined Insurance’s North American Human Resources team, overseeing employee relations, corporate recruiting, talent development, and training. A trusted advisor and employee advocate, he joined the company in 2019 after nearly 30 years at Chubb. Mr. Rockett’s leadership roles have included those in operations management and in HR supporting Chubb’s Field Operations, the Commercial Insurance and Personal Insurance businesses, and Global Corporate groups.


Chad Wells

Senior Vice President, Marketing and Communications
Mr. Wells is responsible for brand, sales growth, and business development through sales incentives, digital marketing, sales campaigns, corporate communications, social media, and other marketing initiatives. He has more than 25 years of experience in product and marketing in the health insurance, technology, and human capital industries. Prior to joining Combined, he held marketing leadership roles at UnitedHealthcare and Blue Cross Blue Shield Association in senior, employer, and individual markets. 

Ken McIntyre

Claims, SVP
Ken is responsible for day-to-day leadership of the company’s Claims function in the United States and Canada, with a focus on claims service as a competitive advantage, talent management, setting policy strategies, and driving a targeted operating model. Ken joined Combined in 2009, focusing on strategic project efforts across Operations. In 2015, Ken assumed leadership of North American Operations and led the team in providing quality service to Policyholders, Field Sales Organization, and other business stakeholders.  Prior to joining Combined Insurance, Ken worked for Arthur Andersen for 27 years as a business and systems consultant focused on Financial Services and Insurance clients.  

Dan Cox

Vice President, Head of Information Technology
Mr. Cox oversees application development, architecture, infrastructure, data and cloud management, and production support at Combined. He has nearly three decades of IT experience, joining the company after leading technology and operations teams at CNA. He previously worked at  Ameritech and Kemper Financial Services. Mr. Cox earned a Bachelor of Science in Computer Technology from Purdue University, and an MBA in Finance and Marketing from the University of Illinois at Chicago.

Alex Rizo

Vice President, Digital, Consumer and Partnerships
Mr. Rizo leads Digital, Direct-to-Consumer, and Partnership distribution strategies. Previously, he successfully directed the company’s Latino sales organization. Mr. Rizo has nearly 30 years of insurance industry experience. Prior to joining Combined in 2019, he held A&H and Distribution leadership positions at AIG (in various international locations), and at Pan American Life Insurance Group.  Mr. Rizo earned a bachelor’s degree in Accounting from Xavier University and a Master of International Management degree from Arizona State University’s Thunderbird School of Global Management. 

About Combined Insurance

Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company.

With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016.

Whether you’re a family working with a local Combined Insurance agent, a business working with our Worksite Solutions account executives or an independent agent or broker offering our products as part of your portfolio, you can expect personalized service and products that offer protection for the unexpected.

Have a question? Contact us.

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