Living benefits awareness survey

Financial Preparedness with Living Benefits

Most families do not get much support when life brings unexpected sickness or accidents. This quick survey helps identify blind spots and explore options before an emergency creates financial pressure.

Community Financial Preparedness Survey

Answer the questions below as honestly as possible. The goal is to help you think through income security, current protection, emergency cash, and practical next steps.

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Q1. Income Security

If you got sick or injured tomorrow and could not work, how long could your household run smoothly before you would need outside help?

Q2. Current Protection

What coverage do you currently have in place?

Q3. Dependence on Your Health

What percentage of your household income depends on you personally being healthy and able to work?

Q4. Family Support

If a loved one needed care and you had to step away from work, would you have outside financial support?

Q5. Emergency Cash

Do you currently have a plan that gives you emergency cash when you cannot work due to a critical illness?

Canadian Cancer Society reference: approximately $33,000 may be needed when critical illness hits.

Q6. Options Awareness

Would you rather pay as little as 58ยข a day for protection with a potential 1370% return, or risk draining your savings when emergencies happen?

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Additional Notes

Why financial preparedness matters

While most of us think, "It will never happen to me," critical conditions can touch anyone, anywhere, at any time, often without warning. Thanks to modern medicine, more people are surviving these events than ever before. However, you are likely to lose income during treatment and recovery, and in addition, your family may need help paying out-of-pocket medical expenses, plus everyday costs.

Cancer can affect anyone. Anywhere. Anytime.

Thanks to modern medical treatments, over 65% of Canadians diagnosed with cancer are expected to survive for five or more years after diagnosis. But diagnosis, treatment, and recovery can be expensive. Covering these unexpected costs, plus everyday expenses, can put a significant strain on your family's budget, especially if you lose income. The good news is a cancer insurance plan can make a difference.

As an independent contractor, these plans are underwritten by Chubb, founded in 1882, and Combined, founded in 1922. Hardworking people are often not protected for regular bills and expenses when they get sick or injured, including mortgage, rent, food, gas, entertainment, childcare, phone, utilities, travel, business, taxes, and more. W. Clement Stone, founder of Combined and a peer of Napoleon Hill and Dale Carnegie, was nominated for the Nobel Prize. Learn more from the Napoleon Hill Foundation.

Warren Buffett's investment into Chubb confirms the strength of the company. These plans are underwritten by Combined since 1922 and owned by Chubb since 1882. Source provided: Warren Buffett and Chubb search.

There are two gaps that we fill

1. Cash gap

Cash for living expenses and wealth protection when sickness or accident hits, with 24/7 coverage in Canada and the USA.

2. Critical illness gap

Critical illness gaps for 35 conditions all the way until end of life for the whole family, including children, with return of premium when there is no claim.

Affordable and for everyone, including children and nonworking spouses. These plans are designed to provide peace of mind when you have coverage, support when you receive a diagnosis or injury, and value when there is no claim through return of premium. The core premise is simple: bills and expenses do not stop coming when someone is sick or injured.