Marine un-bonded flexible pipes wrapped with fiber-reinforced polymer are essential in offshore oil and gas exploration because of their high flexibility and reliability. These flexible pipes may be subjected to tensile loads, compressive loads, and torsional loads, causing the armor wires to undergo large displacements that may result in failure. This study develops a nonlinear simplified finite element model to investigate the mechanical behavior of flexible pipe armor wires under various types of load. The stiffness change rule of flexible pipe armor wires is obtained from numerical simulations of the flexible pipe tensile armor layer under combined loads. The results reveal that the flexible pipe stiffness under combined loads varies significantly from that under single loads, and the combination of different load types can either increase or decrease the stiffness. This study provides essential reference data for the further design, fabrication, and application of flexible pipes.