Brick & London / November 25, 2025

Accidents and illnesses don’t wait. Your protection shouldn’t either.

Why Timing Matters More Than You Think

Accidents, sickness, and unexpected life events don’t send warnings. They arrive suddenly — and the financial impact can be overwhelming. Supplemental insurance is one of the smartest ways to protect your finances, support your recovery, and stay stable when life hits hard.

Supplemental insurance doesn’t replace your primary health plan — it strengthens it. It fills the gaps, pays cash benefits, and helps you manage costs your health insurance won’t cover.

The truth is simple: the right time to buy supplemental insurance is always now.

What Is Supplemental Insurance?

Supplemental insurance provides additional financial protection beyond your primary health coverage. It helps pay for:

• Deductibles
• Copayments
• Lost income
• Transportation
• Daily living expenses
• Other out-of-pocket medical costs

Through companies like Combined Insurance, policyholders have access to several powerful forms of supplemental protection, including:

• Accident Insurance
• Accident & Sickness Insurance
• SickPay Plus
• Life Insurance

Each type serves a specific purpose — and together, they create a strong layer of financial confidence.

Accident Insurance: Protection for Life’s Surprises
Accidents happen fast. Even with health insurance, you may still face ER bills, X-rays, follow-up appointments, and time away from work.

Accident Insurance provides cash benefits directly to you, helping you pay for:

Recovery and rehabilitation needs

Medical expenses

Lost income

Transportation to and from treatment

Why buy it now?

Coverage must be in place before the accident happens. Once you are injured, it’s too late to get coverage for that event.

Accident & Sickness Insurance: When Life Changes Overnight

A serious injury or illness can instantly change your financial situation. Medical bills, lost income, and added responsibilities can all appear at once.

Accident & Sickness Insurance offers cash benefits after a covered diagnosis or injury. Those funds can help with:

• Hospital stays and treatments
• Medical equipment and follow-up care
• Childcare and household support
• Everyday living costs during recovery

Why buy it now?

Coverage must be in force before the diagnosis. Waiting until something happens can limit your options or disqualify you entirely.

SickPay Plus: Income Protection You Can Count On

If you can’t work due to a covered sickness, your bills don’t stop — but your income might. That’s where SickPay-type benefits come in.

SickPay Plus provides short-term income replacement, paying cash for each day you’re unable to work due to a covered sickness. This can be especially important for:

• Hourly workers
• Commission earners
• Self-employed individuals and contractors
• Anyone without strong employer-paid sick leave

Why buy it now?

Eligibility is usually based on your current health and work status. You must apply before you’re already out sick and missing paychecks.

Life Insurance: A Gift That Protects Your Loved Ones

Life insurance is more than a policy — it’s a long-lasting gift of protection for the people you care about most. It helps cover:

• Funeral and final expenses
• Income replacement for your family
• Debt, rent, or mortgage payments
• Children’s education and future needs

Why buy it now?

Life insurance is typically more affordable and easier to qualify for when you are younger and healthier. Waiting often means higher premiums or fewer options.

“Protection delayed is protection denied. The best time to buy supplemental insurance is before you need it.”

Why Waiting Is the Most Expensive Decision

Many people delay purchasing supplemental insurance because they feel:

• “I’m healthy right now.”
• “I don’t think I’ll need it soon.”
• “I’ll get it later when things calm down.”

But the reality is:

• Accidents don’t wait.
• Bills don’t wait.
• Sickness doesn’t wait.
• Life doesn’t wait.

The right time to protect your health, income, and family is before something happens — not after.

How to Choose the Right Coverage Today

Here are a few questions to help guide your decision:

1. Would missing 2–4 weeks of income cause financial stress?

If yes, income protection through SickPay Plus or Accident & Sickness Insurance may be essential.

2. Do you have less than 3–6 months of savings?

Supplemental coverage can act as a critical backup plan, helping you avoid draining your savings when unexpected costs appear.

3. Do loved ones rely on your income?

If others depend on you financially, Life Insurance becomes a key part of your long-term protection strategy.

4. Could a single accident disrupt your budget?

Accident Insurance can soften the financial impact of an injury, giving you space to focus on healing instead of just surviving.

Final Word: The Best Time Is Now

You can’t predict the future — but you can prepare for it. Supplemental insurance gives you financial strength, flexibility, and peace of mind when life turns unexpectedly.

If you’ve been thinking about protecting your income, health, and family, the most important step is to explore your options today, while you qualify and before you need to file a claim.

The right moment to buy supplemental insurance isn’t someday — it’s now.