With $100, a positive spirit and a vision to make the world a better place, W. Clement Stone founded Combined Insurance in Chicago in 1922. His legacy drives our company's values today.

In 1959, Combined Insurance embarked on an ambitious plan for growth with first expansion in Australia, quickly followed by the opening of new offices in Europe. 

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, a global leader in insurance and reinsurance. Combined Insurance joins ACE in a mutual commitment to outstanding customer service and timely claims payment. 

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 acquired by ACE Limited.


The business of Combined Insurance in the UK transfers to ACE European Group Limited and ACE Europe Life Limited.


ACE acquires Chubb, creating a global insurance leader, with the combined organization operating under the Chubb name.

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