Sam Bitensky Independent Agent Combined Insurance



About Us

Sam Bitensky Independent Agent for Combined (supplemental not classical) Insurance. Started in 1922 by W. Clement Stone now a Chubb Company Rated by A. M. Best A + (Superior). In Canada since 1956 Head Office in Markham Ontario

Combined Insurance is supplemental insurance and pays on top of your existing policies including government programs i.e. workers compensation and employment insurance.

At first, the idea of supplemental insurance may sound redundant: If you already have insurance, why would you consider more?

The answer, quite simply, is that most insurance providers cover only a portion of the total costs you may need help within the event of sickness or injury.

It's great that you have insurance ? but what about the non-covered costs?

What about replacing lost income, paying rent, buying food ? even just covering the expense of transporting loved ones to visit you at a recovery facility?

That's why Combined Insurance offers supplemental disability insurance, accident insurance, sickness insurance and life insurance. Our policies are easy to understand so you can make the right decisions about your coverage. It's a lot to worry about. Supplemental insurance simply helps you rest a little easier.

Combined Insurance supplemental insurance products are designed to help fill in the gaps your other insurance doesn't cover and assist in ensuring nothing falls through the cracks.

Every year in Canada there are an estimated 202,400 new cases of cancer and 78,800

Rep/Contact Info

Sam Bitensky
Independent Agent