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A combined ratio of less than one hundred pc indicates an underwriting profit, while anything over 100 indicates an underwriting loss. A company with a combined ratio over one hundred pc could nonetheless remain profitable as a end result of investment earnings. From personalized auto insurance to superior claims service, our people and know-how will assist you every step of the method in which. Join us today and experience why we’re probably the greatest insurance companies. All insurance coverage insurance policies and group profit plans comprise exclusions and limitations. For availability, costs and full details of protection, contact a licensed agent or Cigna gross sales representative.