Legal and Compliance
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.
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 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:
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:
Assuris
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.
This Privacy Policy (“Policy”) describes how Combined Canada (“Combined Canada”), a branch of Combined Insurance Company of America (“CICA”), collects, uses, discloses, and protects the Personal Information of individuals who apply for, purchase, or receive Combined Canada products and services.
The Policy (“Policy”) applies solely to the Personal Information practices of Combined Canada. This Policy expands on and specifies the application of the CICA Privacy Policy in the Canadian legal and regulatory context.
The Policy applies to Personal Information collected or used by Combined Canada in relation to Combined Canada products and services accessed via our website, mobile applications, and telephone or in person.
“Personal Information” means information about an identifiable individual. The Personal Information we collect may include:
a. Identifiers: Name, address, date of birth, social insurance number (“SIN”).
b. Contact information: Phone number, email address.
c. Financial information: Income, employment, assets & liabilities, payment information.
d. Personal Health Information: Medical history, condition, disabilities, etc.
e. Audio call recordings.
f. Online activity: IP address, browsing history, page visits, links clicked, duration on pages, location data such as IP address location, etc. are governed by our website’s Terms of Use posted on our website.
We collect Personal Information directly from individuals or from third party sources, always with appropriate consent when required:
a. Directly from individuals/customers through applications, forms, surveys, website use, etc.
b. Healthcare providers, Insurance databases such as MIB
c. Agents, Brokers, Service Providers acting for customers or on our behalf
d. Publicly available sources
We collect Personal Information to provide individuals with products and services. Specific purposes may include:
a. Establishing identity and determining eligibility
b. Providing quotes or advice
c. Underwriting and administering policies
d. Processing claims
e. Internal modeling, analytics, and improvement of products/services
f. Communicating, marketing, and providing customer service
g. Meeting legal and regulatory requirements
We limit collection, use, disclosure, and retention to what is necessary for identified purposes. We obtain consent where required by law before collecting, using, or disclosing Personal Information for a new purpose.
We may use or disclose Personal Information internally, between Combined Canada and CICA and Chubb Group of Insurance Companies, brands, affiliates, and subsidiaries, to provide individuals with products and services and for other purposes identified here.
We do not sell Personal Information. We may share Personal Information with third party service providers acting on our behalf and pursuant to contractual restrictions regarding information use and disclosure.
We may disclose Personal Information without consent to comply with legal requirements, for example in response to a court order or law enforcement request, as required or permitted by PIPEDA or other laws.
We may disclose anonymous, de-identified or aggregated information to third parties, but this information will not be identifiable to any individual.
We store your Personal Information outside of Canada.
We implement physical, technical, and organizational safeguards appropriate for the sensitivity of Personal Information in our custody or control. These safeguards aim to protect Personal Information from unauthorized access, use or disclosure.
We require third party service providers to protect the Personal Information they process on our behalf consistent with privacy and security obligations under our contractual agreements.
We retain Personal Information only as long as necessary to meet identified purposes or as legally required. When no longer required, we have a roadmap to securely destroy the information.
Individuals may request access, correction, withdrawal of consent or request deletion of their Personal Information. They may also file a complaint with Combined Canada, the Privacy Commissioner of Canada or other competent authority regarding our Personal Information practices.
We may update this Privacy Policy from time to time as our Personal Information practices evolve. The revised Privacy Policy will be made available via our website. These changes will apply to the way we handle your Personal Information going forward. We encourage you to check this policy periodically for updates.
If you have any requests, questions, or concerns regarding our Privacy Policy or practices, please contact our Chief Privacy Officer at:
Chief Privacy Officer
P.O. Box 3720, MIP
Markham (Ontario) L3R 0X5
Email: Compliance@ca.combined.com
To fill out a Personal Information request, please click on the link below.
We will respond to requests as soon as possible and generally within 30 business days.
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.
Accessibility Statement
At Combined, we pride ourselves on inclusivity and exceptional service, and we are actively engaged in an ongoing initiative to ensure Combined’s web content is accessible to the widest possible audience, regardless of technology or ability. We frequently change and improve our web content and strive to enhance the accessibility of our site for individuals with disabilities in accordance with the terms of the Worldwide Web Consortium’s Web Content Accessibility Guidelines (WCAG) 2.0, level A and AA and other applicable guidelines.