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Your policy- your way on your budget!

Who benefits from Living Benefits?

Everybody benefits. Business owners, self-employed, farmers, tradespersons, contractors, freelancers, realtors, retail employees, and so so many more. Our accident policies have no exclusions, no health or income questions.  No waiting periods, coverage starts the day you buy your policy and pay your first payment.  You are covered every day 24 hours a day for 365 days of the year in Canada and in the USA. 

Our Insurance is supplemental insurance and pays on top of your existing insurance policies including government insurance programs. Ex: WSIB or Employment Insurance. Benefits are paid directly to you, not a third party. ( Unlike other Insurance companies)

At first, the idea of supplemental insurance may sound redundant: If you already have insurance, why would you consider more?

The answer, quite simply, is that most insurance providers covers only a portion of the total costs you may need help with in the event of sickness or injury.

It’s great that you have insurance – but what about the non-covered costs?

What about replacing lost income, paying rent, buying food – even just covering the expense of transporting loved ones to visit you at a recovery facility? 

That’s why Combined Insurance offers supplemental disability insurance, accident insurance, sickness insurance and life insurance. Our policies are easy to understand so you can make the right decisions about your coverage. It’s a lot to worry about. Supplemental insurance simply helps you rest a little easier.

Combined Insurance supplemental insurance products are designed to help fill in the gaps your other insurance doesn’t cover – and assist in ensuring nothing falls through the cracks.

Every year in Canada there are an estimated 202,400 new cases of cancer and 78,800 deaths from cancer 
- Canadian Cancer Society, ( 2016.

Combined Insurance was established  in 1922 by W. Clement Stone, a Chubb Company rated  A+ by A. M. Best.


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