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Sam Bitensky Licensed Independent Agent Living Benefits Insurance.

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Sam Bitensky Licensed Independent Agent Living Benefits Insurance.
Sam Bitensky
Belleville, Ontario

1-833-959-2665 | toll-free
613-885-3294 | phone

Payment Methods
Visa MasterCard Direct Withdrawal
Hours of Operation
Please make an appointment.
Our Memberships


About Sam Bitensky:

 Why should you buy Living Benefits from Sam?  Sam believes that anyone can sell you insurance but to be successful in today’s business atmosphere you have to standout, customer service is the deciding factor.  Sam understands the needs of today’s self employed.  Sam Bitensky was self employed for over 25 years, running his own companies.  Sam understands the need for small business owners, self employed or even those that are under insured to have great living benefits coverage.  Working with Sam will always bring you a smile! Ask him he is happy to send you a smile.   

 

 
Your policy. Your way. Your budget.

Who benefits from Living Benefits?

Business owners, self employed, tradespeople, contractors, freelancers, realtors, retail employees, and so many more. Our accident policies have no exclusions.  No health or income questions. No waiting periods. Coverage starts the day you buy your premium and pay your first payment.  You are covered every day; 24 hours a day for 365 days of the year in Canada and in the USA. 

Benefits are paid directly to you, not a third party. ( Unlike other Insurance companies)
Established  in 1922 by W. Clement Stone , a Chubb Company rated  A+ by A. M. Best.
Combined Insurance came to Canada in 1956.  Our head office is in Markham, Ontario .

Our insurance coverage is supplemental insurance and pays on top of your existing insurance policies including government insurance programs. Ex: WSIB or 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 covers only a portion of the total costs you may need help with in 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 deaths from cancer.   - Canadian Cancer Society, (Cancer.ca) 2016.



Why should you choose Sam Bitensky and Combined Insurance?

We do it better than anyone else is why!

Here are a few of the keys differences between Combined Insurance and other companies:

  • Policy good to 85 years of age not 65.
  • Cash paid directly to you,  not a 3rd party.
  • Payments start from day one, yes day one!
  • Restrictions don’t exist after 24 months.
  • Pays 10 days recovery time.
  • Outpatient surgery pays 14 days recovery time.
  • Accident policies have no restrictions & cover you 24,7,365 days in  Canada and USA.


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