Our supplemental life insurance policies can provide a way to help families cope with expenses after the loss of a loved one.

Supplemental Life Insurance

Too many people have life insurance that doesn’t provide the support they want their loved ones to have once they’re gone. Even more families simply have no basic life coverage of any kind. Supplemental life insurance provides cash that helps take care of your family when you're not there to do it yourself. Combined Insurance life insurance policies, Family Life Protector and Golden Advantage Protector, provide protection that’s clearly written and easy to understand so you can be sure it's the right plan for you and your family.

Family Life Protector

Family Life Protector is whole life insurance, designed to provide cash to individuals and families when they need it most.

Learn about Family Life Protector


Golden Advantage Protector

Golden Advantage Protector is a limited benefit whole life insurance policy for older individuals, which pays cash directly to your beneficiaries to help them cover unexpected expenses.

Learn about Golden Advantage Protector


There are three financial needs your family will likely have should you die unexpectedly:

1. Final expenses

Unpaid medical bills, attorney’s fees, credit balances, taxes and funerals can be expensive. Family Life Protector or Golden Advantage Protector can be used to help pay some of these expenses. Even if you currently have insurance, it may not have the buying power it did when you first bought it. And with today’s rate of inflation, it will have less in the future.

2. Housing expenses

Loss of income due to death or disability sometimes causes families to move or lose their homes. Depending on the plan you choose, Family Life Protector or Golden Advantage Protector can help provide enough cash for your family to make mortgage or rent payments for a few years to relieve some financial pressure.

3. Replacement income

With Family Life Protector or Golden Advantage Protector, when your income is lost, your family can use the benefit to help replace income, giving them time to adjust financially.

Deciding to protect your family now will ensure that loved ones will have cash when they need it most.

Needs Assessment

Download the Needs Assessment worksheet to see if you and your family have the insurance protection you need.

Carol and James' story - a family
Carol and James' story A family

Carol and James had supplemental insurance through another provider until they made a decision to switch to Combined Insurance five years ago. Carol said it’s a decision they are glad to have made.

Read the full story

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