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Founded in 1922, Combined Insurance, part of the Chubb group of companies, is a trusted provider of individual insurance solutions in Canada. They specialize in supplemental coverage that fills gaps in traditional benefits, including accident, disability, critical illness, hospital indemnity, and life insurance.
What sets Combined apart is its focus on simplicity and support personalized plans built around your unique needs, clear explanations, and claims service that people can rely on when it matters most. Backed by Chubb’s global strength and financial stability, Combined helps clients protect their income, health, and family’s future with confidence and clarity.


Start by filling out the form. I’ll assess your current coverage, identify any gaps, and help you build a protection plan tailored to your needs and budget.
Please reach us at insurance@melinagetsyouhome.com if you cannot find an answer to your question.
Short answer: Often, yes.
Employer coverage is usually limited, not portable if you change jobs, and may not fully protect your income or family. Personal insurance fills the gaps and stays with you no matter what.
Short answer: It depends on your situation not a one-size-fits-all number.
Your income, debts, lifestyle, family, and future plans — everything matters. A proper analysis helps determine the right amount not too little, not more than needed.
Short answer: Not when it’s done properly.
Most well-structured protection plans fall within a reasonable budget and are designed to be sustainable long-term. The goal isn’t the biggest coverage it’s the one that pays and stays in place.
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FSRA (ON) | Mortgage Brokerage License #12728 - 5675 Whittle Rd Mississauga, Ontario L4Z 3P8
Licensed Insurance Representative
Ontario FSRA #26246809 | Québec --> incoming
+581 980 6715