Combined Insurance
9 Chancery Circle
L2M7R3 St Catharines
Web: -
Actions| Short Term Disability Insurance |
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| Product Manager | Craig Chevrier |
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| Product Description |
For many people, losing just one pay cheque can be difficult, but when accident or illness keeps you from working for an extended period of time, difficulty can turn into disaster.
Without short term disability insurance, families can be forced to cut back on even the basics, like food, clothing, transportation and housing. Combined Insurance Disability Policies are clearly written and easy to understand. Our disability insurance helps you replace some of the income lost due to a disabling accident or illness and we help you make the best choice for the right plan for you and your family. Ways to Protect You and Your Family Our disability insurance will work for you and your family. The features are * TOTAL OR PARTIAL DISABILITY: The first 30 days of a covered accident or sickness * CONTINUING TOTAL DISABILITY: Up to six months * ACCUMULATION: The benefit period increases one month for each additional year the policy remains in force (up to a maximum of 24 months) * OPTIONAL RETURN OF PREMIUM BENEFIT: Combined Insurance's Disability Insurance can meet your needs: o Disability Accident Plan only, o Sickness Disability Plan only or, o Both Plans Disability Insurance is paid directly to you for covered disability when you are totally disabled and can't work due to accident or sickness. You are protected, on or off the job, 24 hours a day, 365 days a year. |
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| Accident and Sickness Insurance |
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| Product Manager | Craig Chevrier |
| Product Demo | |
| Product Description |
Combined Insurance's Accident & Sickness Policies are clearly written, easy to understand and can help pay for those uncovered expenses without breaking your budget.
Ways Accident and Sickness Insurance Protects You Five ways Accident & Sickness Insurance will take care of you and your family: 1. ACCIDENT AND SICKNESS INSURANCE COVERAGE BEGINS IMMEDIATELY UPON ISSUANCE: No waiting period. 2. BENEFITS PAID DIRECTLY TO YOU: Benefits are paid in addition to all other private insurance and are paid directly to you, or to whomever you choose. 3. PEACE OF MIND: You are protected 24 hours a day, every day of the year, both on and off the job. 4. NO AGE PENALTY: No reduction in accident benefits because of age or number of claims incurred. 5. NON-CANCELLABLE BY THE COMPANY AND GUARANTEED RENEWABLE UNTIL AGE 85. What's Covered What's Covered with accident insurance/sickness insurance: What's Covered with accident insurance/sickness insurance: Combined Insurance's Supplemental Accident & Sickness Policy pays benefits where your other policies may not, covered injuries due to an accident and, if selected, benefits for covered sicknesses. Select the level of accident and sickness insurance coverage that's right for you and your budget. Policy Features Depending on the level of coverage selected, if you are hurt or get sick your policy provides specified benefits for: * Hospital confinement * Intensive Care * Outpatient surgery recovery * Recovery after hospital confinement Convenience Benefits are payable directly to you (or someone you designate), regardless of any other insurance coverage you may have. |
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| Critical Conditions and Cancer Disability Insurance |
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| Product Manager | Craig Chevrier |
| Product Demo | |
| Product Description |
Serious illness can strike a family at any time.
While the timing is out of your control, you can control how such an illness affects your family financially. Our supplemental health insurance plans give you a means to help pay for some of the expenses associated with an illness. Combined Insurance offers two different supplemental health insurance plans to protect you and your family. |
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| Supplemental Life Insurance |
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| Product Manager | Craig Chevrier |
| Product Demo | |
| Product Description |
Too many people have life insurance that doesn't provide the support they want their loved ones to have once they're gone. Many more families simply have no basic life coverage of any kind. We believe everyone should have access to affordable coverage.
Combined Insurance's Life Products are just that. They are supplemental life insurance protection that is clearly written and easy to understand so you can be sure it's the right plan for you and your family. Ways to Protect You Five ways the Combined life insurance supplement will take care of you and your family. 1. FINANCIAL PEACE OF MIND: Benefits that can help your family pay final expenses, mortgage or rent payments, replace lost income or cover other expenses. 2. “WHOLE LIFE” PROTECTION TO AGE 100: Cash values available. 3. CUSTOMIZED COMBINED LIFE INSURANCE PROTECTION: Whole Life, in combination with term coverage, to fit your needs and your budget. 4. “ALL COVERAGE” FEATURES: Accelerated Benefit Provision for terminal illness that can pay the proceeds to you while you are living. 5. COST AND COVERAGE ALWAYS REMAIN THE SAME: Gives you peace of mind now and in the future. What's Covered There are three financial needs your family will likely have should you die unexpectedly: 1. Final expenses If you die, life goes on for your family. Unpaid medical bills, attorney fees, credit balances, taxes and funerals can be expensive, and existing policies may not have the buying power they did when you first purchased them. Our supplemental life insurance can be used to help you pay these expenses. 2. Housing expenses Depending on the plan you choose, our Life Insurance policies can help provide enough cash for your family to continue to make mortgage or rent payments to help relieve some of the financial pressure they may experience after your death. 3. Replacement income The loss of your income will be a significant financial challenge for your family. Our Life insurance can help replace your income, allowing your family to have more time to adjust financially after your death. Deciding to protect your family now will ensure that loved ones will have cash when they need it most. |
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