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Years of Experience
- Your Trusted Calgary Insurance Experts
Disability, Accident & Critical Illness Insurance for Real Life
- About Company
Combined Insurance in Calgary
Combined Insurance is a licenced company with rated A+(Superior) by A.M and has the best reputation of excellence through nine decades of service.
A.M best report is the one recognized authority used by eternity’s bankers and state insurance super attendants law courts in other insurance companies to impartially and actually report on the reliability of insurance companies and their financial strength and rating of their management.
In 2023 combined insurance paid 27.78 billion in benefits since the organization was established in 1922.
- Expert Disability & Income Protection Plans
- Flexible Accident Insurance with No Claim Limits
- Critical illness plans that pay lump sum
- Premium Return & Lifetime Benefits Available
- services we provide
Our Core Insurance Solutions in Calgary
Disability Insurance
Income protection when illness or injury prevents you from working. Payouts continue up to age 75.
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Calgary Clients & Families Protected
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Satisfaction Across All Plans
What Makes Us Different?
- No waiting period
- Pays you in addition to other insurance
- No limit to claims on accident insurance
- Rates are stable, no increase on accident insurance
- Teladoc offered on cancer and critical illness
- Paid-up benefits for lifetime coverage options
- Return on premium upon good health options
With personalized service an reliable coverage where the trusted choice for Albertans seeking financial Peace of Mind.
- Get Your Free Personalized Quote
Let’s Secure What Matters Most — Together
At Calgary Health Insurance, we don’t just sell policies — we protect people. From your first quote to your first claim, you’ll work with a real local advisor who listens, understands, and builds a plan that truly fits your needs. Whether it’s disability, accident, or critical illness insurance — we’ve got you covered.
Take the first step toward peace of mind today.
- - An estimated 239,000 new cases of cancer occur each year in Canada
- - Estimated that there are 70,000 heart attacks each year.
- - That's one every 7 minutes in Canada
- - There are over 108,000 strokes in Canada each year.
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According to LIMRA 46% of middle income families with children under 18 say they will face financial hardship within six months should a wage earner get injury or get sick.
We’re Local, We’re Licensed, and We’ve Got You Covered
Christina walden
- Why Our Clients Choose Us
We Provide the Best Insurance Policy
We’re proud to offer plans backed by Combined Insurance — a name trusted across North America. Whether you’re looking for tax-free lump-sum protection, injury income support, or lifelong coverage, we’ll help you build the perfect plan.
- Testimonials
What Our Client say
"Christina made the whole process simple and stress-free. I got great coverage at a fair price. Highly recommend Combined Insurance for reliable, local protection in Calgary!"
Mike M.
Calgary AB
"After my accident, I didn’t know how I’d manage bills while off work. Christina walked me through everything and my claim was paid fast. I’m so grateful I had this coverage."
Jason L.
Construction Worker, Calgary
"As a self-employed designer, I never thought about disability insurance — until I got sick. Their plan kept me financially stable when I couldn’t work. Worth every penny."
Ayesha M.
Graphic Designer, Airdrie
"The critical illness policy helped cover my family’s expenses after my diagnosis. No delays, no stress — just support when we needed it most. I recommend them to everyone."
Darren K.
Father of Two, Chestermere
- Have Questions?
Frequently Asked Question
We specialize in Disability Insurance, Accident Insurance, and Critical Illness Insurance tailored for individuals and families in Calgary and surrounding areas.
Your coverage starts on Day 1 — there’s no waiting period for claims, so you’re protected immediately.
Will my premiums go up after I make a claims: NO, not under our accident insurance plans. Unlike many providers are plans come with great stability meaning your premiums won't increase after you file claim.
Our accident insurance plans-we do not exclude high-risk occupations or hobbies. Whether in construction, Roofing or enjoy motor sports, you're covered!
Yes, many of our plans offer return of premium riders, so if you remain in good health, you can get 100% of your premiums back after a set term.
Absolutely. We can build a custom insurance bundle that fits your lifestyle and budget — including disability, accident, and critical illness in one plan.
Simply click “Get a Free Quote”, or call us directly at 403-400-5257. A licensed Calgary insurance advisor will guide you through every step.
We serve clients in Airdrie, Okotoks, Cochrane, Chestermere, Strathmore, Turner Valley, and nearby communities. We proudly help all Albertans find the right protection.