Combined Executive and Leadership Team

July, 2026

Leadership Overview

Combined has 5 executives leading key functions including strategy, Canadian operations, and sales.

Driven by a commitment to accessible coverage, Combined focuses on empowering individuals and families with clear, understandable supplemental insurance solutions, ensuring peace of mind during critical times.

Leadership Roles at Combined

  • Chief Executive Officer - Roxana Roxana
  • President, Combined Canada - Joel Schwartz
  • Division President - Matthew Matarrese
  • Division President, Chubb Workplace Benefits - Mark Shaw
  • President & Managing Agent - Michael Dortch
  • Roxana Roxana - Chief Executive Officer

    Roxana Roxana, the Chief Executive Officer at Combined, directs the overarching strategy and global operations for the company's supplemental insurance offerings across North America, Europe, and Asia Pacific. This leadership role involves setting the strategic vision for product development and market expansion, ensuring the company remains at the forefront of the insurance industry. Roxana Roxana drives the company's commitment to providing clear, affordable coverage, directly impacting the financial security of policyholders and their families. The Chief Executive Officer's mandate includes fostering innovation in product design and customer service, aligning all business units with the core mission of making insurance easy to understand and accessible. This executive ensures robust operational frameworks are in place to support policyholder needs and maintain market leadership.

    Joel Schwartz - President, Combined Canada

    Joel Schwartz, the President, Combined Canada at Combined, spearheads all operations and strategic initiatives within the Canadian market. This executive is responsible for driving growth and market penetration for supplemental accident, health, and life insurance products throughout Canada. Joel Schwartz ensures that the company's mission of providing affordable and understandable coverage resonates with Canadian consumers, adapting strategies to meet regional needs and regulatory landscapes. The President, Combined Canada oversees sales channels, agent networks, and customer support functions, guaranteeing a seamless experience for policyholders. This leadership position involves cultivating strong relationships with distribution partners and stakeholders to expand the company's reach and impact in Canada, reinforcing the commitment to policyholder well-being.
    Joel Schwartz

    Matthew Matarrese - Division President

    Matthew Matarrese, the Division President at Combined, manages a significant segment of the company's operational divisions, focusing on strategic growth and performance enhancement. This executive oversees key business units responsible for delivering supplemental insurance solutions to a broad customer base. Matthew Matarrese drives initiatives aimed at improving operational efficiency and expanding market reach, ensuring the company's products remain competitive and accessible. The Division President's responsibilities include fostering a culture of excellence among teams, aligning departmental objectives with the company's core mission of providing clear and affordable coverage. This leadership role is critical in navigating market dynamics and ensuring sustained success for the divisions under management, directly contributing to the company's overall objectives.

    Mark Shaw - Division President, Chubb Workplace Benefits

    Mark Shaw, the Division President, Chubb Workplace Benefits at Combined, directs the strategic development and execution of workplace benefit solutions. This executive leads the integration and expansion of supplemental insurance offerings within corporate environments across North America. Mark Shaw focuses on enhancing the value proposition for employers and employees, ensuring comprehensive coverage that addresses diverse needs. The Division President, Chubb Workplace Benefits oversees sales, product management, and client relations for this specialized division, driving adoption and customer satisfaction. This leadership role is pivotal in leveraging Chubb's broader capabilities to deliver tailored benefits packages, reinforcing Combined's commitment to accessible and understandable insurance solutions for the workforce.

    Michael Dortch - President & Managing Agent

    Michael Dortch, the President & Managing Agent at Combined, oversees critical sales channels and agent networks, driving revenue growth and market penetration. This executive is instrumental in cultivating a high-performing sales force dedicated to delivering supplemental insurance products to individuals and families. Michael Dortch ensures agents are equipped with the knowledge and resources to effectively communicate the value of Combined's clear and affordable coverage options. The President & Managing Agent's role involves strategic planning for sales territories, agent recruitment, and performance management, directly impacting the company's ability to reach policyholders. This leadership position is key to expanding the company's footprint and reinforcing its mission of providing essential financial protection when it is needed most.
    Michael Dortch

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    Frequently Asked Questions Regarding Combined Top Executives and Leadership Team

    Who leads Combined?
    Combined is led by Roxana Roxana (Chief Executive 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 Roxana Roxana (Chief Executive Officer), Joel Schwartz (President, Combined Canada), Matthew Matarrese (Division President) and other senior executives.
    How many executives does Combined have?
    Combined has 5 executives leading key business areas.
    What roles are included in Combined’s leadership team?
    The leadership team of Combined includes roles such as Chief Executive Officer, President, Combined Canada, Division President, Division President, Chubb Workplace Benefits, President & Managing Agent.