If this agent is selling Combined Insurance Company of America Sickness Disability Insurance, Accident Protection or any other type of policy in which they promise to pay a certain amount of money for a certain period of time, DO NOT BUY IT! My advice from the personal experience I am dealing with now is to tell anyone, DO NOT DO BUSINESS WITH COMBINED INSURANCE CO OF AMERICA! I have been paying for the two policies I listed above since 2014 by automatic withdrawal from my checking account. I had surgery and submitted all the required documents and Combined has not honored our contract. Right now they owe me more than $2000. The adjuster's are lazy, do not follow-up with the doctors office if they have questions, are very rude to the Insured's and do not return calls. I filed a Complaint with the CA Dept of Insurance. DO NOT BUY ANY COMBINED INSURANCE OF AMERICA PRODUCTS! read more