Combined Insurance is a global provider of supplemental insurance, including accident insurance, life insurance and critical care coverage. Combined Insurance operates in North America, Latin America, Europe and the Pacific. The company is headquartered in Glenview, Illinois. In 1922, W. Clement Stone, with a borrowed $100, started Combined Registry Company in Chicago. During the difficulty of the Great Depression, Stone in 1929 cut his field force to just 135 agents – from more than 1,000 agents – to increase efficiency. In 1939, after weathering the Depression, Stone created the Combined Mutual Casualty Company, which was established when Combined Registry Company purchased the American Casualty Company in Texas. In 1947 the company changed its name to Combined Insurance Company of America.