Guaranteed Life
critical care icon
Life on your
own terms

Hassle-free life insurance
with guaranteed acceptance.

80%

Of Canadian homeowners are either underinsured or uninsured1

$8,000+

The average cost of a funeral in Canada – often paid by grieving families 2

4 in 10

Would face financial hardship within 6 months if primary wage earner died 3

The right coverage at the right time

End of life expenses can make a difficult time even harder for families and loved ones. When you're already dealing with loss, the financial burden can feel overwhelming, especially because it comes at such a vulnerable moment.

That's when you need the right coverage to give your loved ones what they need – help with those end-of-life expenses.

That's where Combined Guaranteed Life comes in

It's straightforward, easy, and acceptance is guaranteed. Just financial protection you and your loved ones can count on – you choose the coverage amount you need, and you're insured.

It's as simple as that.

 

Insurance designed for real life

Combined Guaranteed Life features:

  • Fast, hassle-free application process
  • No medical or health questionnaires to complete
  • Immediate acceptance with no delays
  • Coverage stays with you for life as long as premiums are paid
  • Coverage can't be cancelled due to health changes
  • No more premium payments after age 90
  • At age 100, you get full benefits plus ten years of premiums

 

GET YOUR QUOTE TODAY

Combined Guaranteed Life is simple

Choose coverage from $5,000 to $50,000




No
medical exam





No
health questions





No
waiting


Ready to help protect your future?

 

 

Click below and send us your name, phone number, and any details you'd like to share — and we’ll help you get protected with Combined Guaranteed Life.
EMAIL US

Here's how Robert used Combined Life Insurance to help protect his daughter's future

ROBERT'S STORY

Robert had always meant to get life insurance. At 52, the divorced contractor knew he needed coverage, but between running his business and the hassle of medical exams, he kept putting it off. A previous heart attack and high blood pressure made him worry that traditional insurers would reject him anyway. But when his daughter announced her pregnancy, Robert realized he needed to get his affairs in order. The last thing he wanted was to leave her without financial assistance if she needed it. Robert discovered Combined Guaranteed Life and was surprised by how straightforward it was. No medical exams, no waiting periods, no rejection based on his health history. The online application was quick, and his coverage started immediately.

Where confidence 

meets coverage

Combined Insurance has been leading the way for over 100 years

An affiliate of Chubb, we provide individuals, families and businesses with supplemental benefits they can use to help bridge coverage gaps and take their insurance protection further. With Combined you get an efficient claims experience, seamless support tailored to your needs and a team that's by your side along the way.

GET YOUR QUOTE TODAY
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1 Canadian Association of Financial Institutions in Insurance (CAFII). "Insurance Among Canadian Homeowners. Research conducted by LIMRA. March 2024. 

2 MyChoice. “How Much Does a Funeral Cost in Canada in 2025?” January 15, 2025. 

3 Advisor Magazine. "Nearly One Third Of Canadian Adults Report Living With A Life Insurance Coverage Gap. July 15, 2024.