An opportunity with Combined Insurance in sales is much more rewarding than a job - we believe it is the opportunity of a lifetime


Since our beginnings in 1922, Combined Insurance has grown to become a global organisation that provides personal accident and sickness insurance. Our motto is “Service, Strength and Security” and our goal is to help take better care of you and your family by making it clear and easy to get the right policy benefits, should you be unfortunate enough to suffer a Covered Injury or Covered Sickness.

Combined Insurance is part of ACE Group, one of the leading global providers of insurance and reinsurance. Combined Insurance operates in New Zealand as a division of ACE Insurance Limited.

For more information about, ACE Insurance Limited, visit

Combined Insurance operates in Asia Pacific, North America and Europe. We take pride in providing insurance plans that are clearly written and easy to understand so you can be sure you are getting the right personal insurance plan. 

Read more about our history


Combined Insurance wants you and your family to be protected.

Our mission is to provide personal service and exceptional products tailored to help protect you and your family. The world of insurance can be confusing. Combined Insurance is here to help you navigate through it by working with you to identify your specific needs, then offering coverage options to help meet those needs.

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Personal Insurance: Your Choice

As you will know, the world of insurance can be confusing. Combined Insurance can help you understand how to financially take care of yourself and your family when you need it most.

No matter what your greatest concern is, Personal Insurance: Your Choice is designed to provide benefits for you and your family when you need it most. We make it clear and easy for you to select the right personal insurance plan.

One of our friendly Representatives will be happy to help provide you with coverage which is specific to your needs.

Speak with a Representative today


Combined Insurances founder W. Clement Stone had the desire to "make the world a better place for this and future generations". By placing our focus on your personal needs, we believe we help make the world a better place, one person at a time.

Our values dictate the way we do business. As an organisation, Combined Insurance is:

  • Customer-centric - making insurance clear and easy for you and meeting your needs is our number one objective.
  • People-driven - differentiating ourselves through the skills and service of our people.
  • Accountable and Ethical - taking responsibility and doing the right thing because it is the right thing to do.
  • Performance-minded - always working to improve your experience and our people's satisfaction.

Fair Insurance Code

We are a signatory to the Fair Insurance Code (the Code). The objectives of the Code are to establish high standards of service, promote confidence in the general insurance industry and improve relationships between insurers and their customers. Further information about the Code is available at and on request.
Effective January 2016

Example 2 Representative

We make it clear and easy for you to select the right personal insurance plan that meets your needs by matching benefits and adding optional coverage that work for you. 

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