Combined Executive and Leadership Team

May, 2026

Leadership Overview

Combined has 4 executives leading key functions including operations, regional leadership, and sales.

Driven by a commitment to accessible coverage, Combined focuses on empowering individuals and families with supplemental insurance solutions that provide crucial financial support during times of need, solidifying its market presence through clear, understandable policies.

Leadership Roles at Combined

  • Chief Operating Officer - Michelle Bryer
  • President, Combined Canada - Joel Schwartz
  • Division President - Matthew Matarrese
  • President & Managing Agent - Michael Dortch
  • Michelle Bryer - Chief Operating Officer

    Michelle Bryer, the Chief Operating Officer at Combined, directs the company's operational strategies across North America, Europe, and Asia Pacific. Bryer oversees the execution of policies designed to enhance customer experience and streamline service delivery, ensuring that the company's commitment to providing affordable and understandable supplemental insurance products is consistently met. This leadership role involves optimizing internal processes to support the sales and claims departments, thereby reinforcing the company's mission to help individuals and families secure necessary coverage. Bryer's operational oversight extends to managing the infrastructure that supports the distribution of accident, health, and life insurance products, ensuring scalability and efficiency. By focusing on operational excellence, Michelle Bryer drives the company's ability to navigate the complexities of the insurance market and deliver on its promise of peace of mind to policyholders.

    Joel Schwartz - President, Combined Canada

    Joel Schwartz, the President, Combined Canada at Combined, spearheads the strategic direction and operational management for the Canadian market. Schwartz is responsible for expanding Combined Insurance's footprint in Canada, ensuring the delivery of supplemental accident, health, and life insurance products tailored to the specific needs of Canadian consumers. This leadership position involves cultivating strong relationships with distribution partners and driving sales initiatives to increase market penetration. Joel Schwartz focuses on upholding the company's core values of helping people find affordable coverage and navigate the insurance landscape with clarity. By overseeing all aspects of the Canadian business, from product development to customer service, Schwartz ensures that Combined Insurance Canada operates with efficiency and integrity, reinforcing the brand's commitment to policyholder well-being and financial security.
    Joel Schwartz

    Matthew Matarrese - Division President

    Matthew Matarrese, the Division President at Combined, leads significant operational divisions focused on sales growth and market expansion. Matarrese directs strategies aimed at increasing the accessibility and understanding of supplemental insurance products across various geographic regions. This role involves managing sales teams and fostering an environment that supports the company's mission to provide affordable accident, health, and life insurance. Matthew Matarrese's leadership ensures that the division effectively communicates the value of clearly written, easy-to-understand coverage to potential policyholders. By focusing on strategic sales initiatives and operational efficiency within the assigned divisions, Matarrese contributes directly to the company's objective of helping customers secure the coverage they need when peace of mind is most critical.

    Michael Dortch - President & Managing Agent

    Michael Dortch, the President & Managing Agent at Combined, drives the strategic vision and execution for key sales channels and agent networks. Dortch is instrumental in cultivating a high-performance sales culture focused on delivering supplemental accident, health, and life insurance products to a broad customer base. This leadership role involves overseeing agent recruitment, training, and performance management to ensure alignment with Combined Insurance's commitment to affordability and clarity. Michael Dortch's focus is on expanding market reach by empowering agents to effectively communicate the benefits of supplemental coverage and assist policyholders in navigating their insurance needs. By managing agent relationships and driving sales strategies, Dortch ensures the company's mission of providing peace of mind through accessible insurance is realized across its operational territories.
    Michael Dortch

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    Frequently Asked Questions Regarding Combined Top Executives and Leadership Team

    Who leads Combined?
    Combined is led by Michelle Bryer (Chief Operating Officer), along with executives such as Joel Schwartz (President, Combined Canada) and Matthew Matarrese (Division President).
    Who is part of Combined’s executive team?
    The executive team of Combined includes leaders such as Michelle Bryer (Chief Operating Officer), Joel Schwartz (President, Combined Canada), Matthew Matarrese (Division President) and other senior executives.
    How many executives does Combined have?
    Combined has 4 executives leading key business areas.
    What roles are included in Combined’s leadership team?
    The leadership team of Combined includes roles such as Chief Operating Officer, President, Combined Canada, Division President, President & Managing Agent.