Direct cash payment
Benefits go to you, not to a hospital or service provider.
Protection for real life
Cash benefits when you need them most.
An accident or illness can interrupt your income, but your bills keep moving. Supplemental coverage can put cash directly in your hands so you can focus on recovery, not financial panic.
Paid directly to youWorks alongside other coveragePersonal guidance
Bettina DerksenLiving Benefits Representative
Serving Alberta & British Columbia403 797 1524Bettina.Derksen@combinedagent.com
Serving Alberta & British Columbia403 797 1524Bettina.Derksen@combinedagent.com
Why cash benefits?
Life keeps charging you even when life happens.
Your mortgage, groceries, fuel, and everyday expenses do not pause because you are injured or sick. Cash benefits are designed to help fill the gap. If a covered event happens, eligible benefits are paid directly to you. You decide where the money is needed most.
Your choice
Use the money toward bills, recovery costs, childcare, groceries, or other needs.
Extra protection
Designed to complement eligible workplace, government, or personal coverage.
Coverage options
Protection built around your life.
Every household is different. Bettina helps you compare the options and build coverage around your priorities and budget.
H
Hospitalization
Benefits that can help with the extra costs that come with a covered hospital stay.
D
Disability
Cash benefits designed to help when a covered accident or sickness keeps you from working.
I
Income Protection
Protection that can help keep money coming in while your regular income is interrupted.
C
Cancer
Cash benefits for covered cancer diagnoses and treatment, helping create financial breathing room.
CI
Critical Illness
Financial protection for covered critical conditions when you need to focus on recovery.
Simple, personal, clear
Know your options before you need them.
No pressure. No confusing insurance jargon. Just a straightforward conversation about what matters to you.
01
Tell me what matters
We talk about your work, family, existing coverage, and budget.
02
Compare your options
I explain the benefit details in plain language and answer your questions.
03
Choose with confidence
You decide what fits. I am here to help before, during, and after your application.
Free quote request
Let’s find the protection that fits.
Share a few details and Bettina will connect with you to review your options. Quotes are free, and there is no obligation.
Real support: You get an agent who listens, puts clients first, and has your back when it matters.