Navigating Life's Unexpected Moments
We're here to support you with added insurance protection and cash benefits, supplementing what traditional medical insurance can provide
Here Are Some Of The Services We Offer
Accident & Illness Insurance
Having accident insurance ensures financial security for you and your loved ones, offering peace of mind by covering unexpected expenses.
Critical Illness Insurance
Critical illness insurance provides vital financial support by covering medical costs and living expenses while you are ill.
Cancer Insurance
Cancer insurance ensures a steady financial safety net, helping to protect you and your family by covering expenses should you receive a cancer diagnosis .
Disability Insurance
Disability insurance ensures a steady income stream to help protect you if an injury or illness prevents you from working.
Life Insurance
Having life insurance ensures financial security for your loved ones, providing peace of mind by covering expenses.
Why You Need
Living Benefits
Living benefits are essential for securing your financial well-being during life's most challenging times. Unlike traditional life insurance that only pays out after death, living benefits provide you with the support you need when facing serious health issues, allowing you to focus on recovery without the added stress of financial strain.
Financial Security During Health Crises:
Living benefits offer critical financial support if you're diagnosed with a severe illness or suffer a disabling injury. This coverage helps you manage medical bills, daily expenses, and any necessary lifestyle adjustments without depleting your savings.
Peace of Mind for You and Your Family:
Knowing that you have living benefits in place allows you and your loved ones to focus on what truly matters—your health and recovery. This peace of mind is invaluable during difficult times, as it removes the burden of financial worries.
Flexibility and Control Over Your Coverage:
Living benefits give you the flexibility to access a portion of your insurance while you're still alive, providing control over how the funds are used. Whether it's for medical treatment, household expenses, or even paying off debt, you decide how best to utilize your benefits.
Some Kind Words From Our Clients
Nicolas Benjamin
Dealing with Christine through Combined Insurance is truly reliable. I highly recommend her without hesitation. After experiencing a workplace accident that resulted in an injury, I consulted a doctor who advised me to take some time off from work. I reached out to my agent, Christine Rose-Nairne, who guided me through the necessary steps. During my time off, Combine Insurance ensured I received my payments. Thank you very much for your support.
Shane Brathwaite
Christine Rose from Combined Insurance is the greatest. When I mentioned to her about my injury, she ensured to check up on how I was doing. I've never received care and concern like this before. I am grateful.
Drew Williams
When I rolled my ankle, fracturing a bone in my foot in two places, Christine made herself available to answer questions and showed genuine concern in my well being. Some agents are usually unreachable after they get you signed up. Christine provides the after-service that makes her a top notch insurance agent.
Frequently Asked Questions
Here are some commonly asked questions and answers
Q: What is the difference between term life insurance and whole life insurance?
A: Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and pays out a death benefit if the insured person dies during the term. Whole life insurance, on the other hand, offers lifetime coverage and includes an investment component that builds cash value over time.
Q: What illnesses are typically covered by critical illness insurance?
A: Critical illness insurance usually covers major health conditions such as cancer, heart attack, stroke, kidney failure, major organ transplants, and multiple sclerosis. The specific illnesses covered can vary by policy, so it's important to review the policy's list of covered conditions.
Q: How long can I receive benefits from a disability insurance policy?
A: The duration of disability insurance benefits depends on the policy terms. Short-term disability insurance typically provides benefits for a few months to a year, while long-term disability insurance can offer benefits for several years or until retirement age, depending on the policy's specifications.
Let's Talk About Your Financial Goals Over A Virtual Coffee
I'm sure you have many questions when it comes to you and your families financial future. Why don't we arrange a 30 minute chat over a Zoom call and I can help answer those questions for you!
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