The Content

Combined Insurance and Chubb make no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind. Combined Insurance and ace limited hereby disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. In no event shall Combined Insurance nor Chubb be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action, including but not limited to contract, negligence or other tortuous actions, arising out of or in connection with the use, copying or display of the content. Although Combined Insurance and Chubb believe the content to be accurate, complete and current, Combined Insurance and Chubb make no warranty as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. From time to time changes are made to content herein. Combined Insurance and Chubb may make changes in the products and/or the services described herein at any time.

Links to Other Sites

Some of the sites listed as links herein are not under the control of either Combined Insurance or Chubb. Accordingly, Combined Insurance and Chubb make no representations whatsoever concerning the content of those sites. The fact that Combined Insurance or Chubb have provided a link to a site is not an endorsement, authorization, sponsorship or affiliation with respect to such site, its owners or its providers. Combined Insurance and Chubb have not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the internet, and Combined Insurance and Chubb caution you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the internet.


Combined Insurance, Combined Insurance Company of America and Combined Life Insurance Company of New York are registered trademarks of Combined Insurance. Chubb and the Chubb logo are service marks of the Chubb.

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.

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 below link or by calling the Assuris Information Centre at 1 866 878-1225.

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.

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

The term "Combined" as used herein means Combined Insurance Company of America and Combined Life Insurance Company of New York collectively and is applicable to business conducted within the United States.

Combined does not place marketing telephone calls (which for purposes of this Policy include text messages) to numbers appearing on a state or federal Do Not Call list (unless permitted by applicable law) or to the number of a person who has requested not to receive telemarketing calls made by or on behalf of Combined.

If you requested not to receive telemarketing calls from us, you will be placed on our internally-maintained Do Not Call list and will not be called during any future telemarketing campaigns within the next five years (or any longer period required by applicable law). Any request to be placed on our internally-maintained Do Not Call list will be processed within a reasonable amount of time, not to exceed 30 days (or any shorter period required by applicable law).

Residents of all U.S. jurisdictions except New York may request to be placed on the internal Do Not Call list by calling 1-800-225-4500. New York residents may make this request by calling 1-800-951-6206.

Combined employees receive training on how to use our internally-maintained Do Not Call list; how to document, process and honor requests to be placed on its internally-maintained Do Not Call list; and proper identification during telemarketing calls. Combined requires any third-party that initiates telemarketing calls on Combined's behalf to comply with this policy.

We reserve the right to revise this Do Not Call Policy.