Legal Information


Combined Insurance is committed to upholding the highest business standards possible. To ensure this, we comply with government policy and actively participate in insurance associations (the names and links of which are noted for your reference).

Unclaimed Property

The provinces of British Columbia, Quebec and Alberta have regulations that govern unclaimed property. These regulations require holders of unclaimed property to make reasonable efforts to locate the owners in order to return the property to them.

If you believe that you are the owner of unclaimed property (such as a claim payment or refund of premiums) being held by Combined Insurance and would like to request a search of our database, please submit your request in writing to:
Combined Insurance Company of America
Attention: Director, Corporate Compliance
150 Commerce Valley Drive West
Suite 700
Markham, ON L3T 7Z3

Accessible Customer Service

Combined Insurance strives at all times to provide services in a way that respects the dignity and independence of persons with disabilities.  Please review our Accessibility Policy & Plan as well as our Accessible Customer Service Policy Statement.

Canadian Life and Health Insurance Association (CLHIA)

The Canadian Life and Health Insurance Association (CLHIA), established in 1894, is a voluntary trade association that represents the collective interests of its member life and health insurers. The Association's membership accounts for 99 per cent of the life and health insurance in force in Canada and administers about two-thirds of Canada's pension plans.

For more details about this association, please visit their website.

Canadian Radio-television and Telecommunications Commission (CRTC) National Do Not Call List

Effective October 31, 2008, The National Do Not Call List (DNCL) gives consumers a choice about whether to receive telemarketing calls. For more details regarding the DNCL, please visit the CRTC site


Combined Insurance is a member of Assuris. Assuris is the not for profit organization that protects Canada policyholders in the event their life insurance company fails. Details about Assuris’ protection are available at or by calling the Assuris Information Centre at 1 866 878-1225.

Web Privacy Policy

We know that privacy is very important to most people and we want to let you know that it is important to us, too. The following is a summary of our privacy practices to let you know:

  • What information we might collect
  • What we do with the information we collect
  • What security measures we have in place.

General Information

We respect your right to privacy. Whether you are a current customer of Combined Insurance or if you are just visiting this site, we assure you that we do not collect personal information about you unless you provide it to us. Combined Insurance's web site contains links to other sites. We cannot comment on the privacy practices of these other sites and strongly urge you to review the privacy policy on each site you visit.
Ten principles of confidentiality for Combined InsurancePDF file opens in a new window

Your Information

Personal information is not collected unless you give it to us. If you are simply browsing this site, we do not collect any personal information. From time to time, we may compile statistics on the use of our site. We may monitor statistics such as how many visitors we've had or which browsers people use but this data does not identify anyone personally.


Combined Insurance uses links through its site to allow you to elect to contact us via e-mail. Although we will ask you to call or write us about many topics we consider too sensitive to be done via e-mail, we do accept questions and welcome your comments and suggestions. In addition, you may also be offered the opportunity to have one of our representatives contact you. To better serve you in this regard, we may require that minimal personal information be provided to us, such as your name and telephone number. We may keep this information on file to help us help you in the future. We may also share this information with a subsidiary, business partner, representative or affiliate of Combined Insurance so that they may contact you about other goods and services or to assist you in the support, renewal or purchase of Combined Insurance products and services.


A “cookie” is a piece of information that our web site sends to your browser which then stores this information on your system. If the cookie is stored, the web site remembers information about you and your preferences. If the cookie is temporary it will only remember information about you until you exit the current browser window. If your cookie is permanent it will retain information about you until you disable or delete the cookie. Many people like to use cookies to save time. Remember – cookies only contain information which you have already provided to us. They are not able to get into your hard drive and return to the sender with personal or other information from your computer.

We only use cookies in two ways. The first is for temporary cookies. When you visit our site, our web server automatically sends your browser a temporary cookie which is used to help your browser navigate our site. Any information is erased when you close your current browser window. If you visit our site from one of our business partners our web server may send your browser a temporary cookie that reflects an “origination code” for that business partner. This information is used for statistical and marketing purposes.

If you visit our web site and request information from us, we may also use cookies. If you click on a box that says something like “please remember my profile” we'll send a cookie. If you want more information check out the following:
Microsoft Internet Explorer users visit
Questions regarding this Privacy Statement should be directed to:
Canadian Privacy Officer
700- 150 Commerce Valley Drive West
Markham, Ontario L3T 7Z3
1 888 234-4466

Privacy Information

Canada's national privacy legislation, the Personal Information Protection and Electronic Documents Act came into force on January 1, 2001. Since January 1, 2004, this privacy legislation applies to all businesses that collect, used or disclosed Personal Information

Below is Combined Insurance's notice of privacy practices
Ten principles of confidentiality for Combined InsurancePDF file opens in a new window

For Business

Combined Insurance is no longer accepting new enrollments into the Worksite Solutions program, but will still offer protection through our normal product line.

Existing customers will still enjoy the benefits of Worksite Solutions. If you have questions or require assistance with your account, please contact us at 1 888 815-3688.