About Us
I am a client-first insurance consultant with over a decade of experience in financial services and insurance. I provide a full suite of supplemental products for individuals, families, & businesses.
How We Got Started
Combined Insurance is one of the leading providers of supplemental insurance products, with offices throughout North America. We’re rated A+ (Superior) by A. M. Best, the most widely recognized provider of insurance industry ratings, and we have over 5 million supplemental insurance policies in force in North America and pay out almost half a billion dollars in claims every year – nearly $1 million every business day.
Now part of Chubb, the world’s largest publicly traded property and casualty insurer, Combined Insurance has been serving customers since 1922
The products and services we offer
Products & Services
4 out of 10 people are treated in the hospital emergency rooms annually. Accident & Sickness Protector covers you on or off the job, 24 hours a day...
Coverage that pays cash directly to you if you're sick or hurt and can't work. Day one coverage. Covers all occupations. Easy to qualify.
this policy provides lump sum cash benefits up to $50,000 directly to you upon diagnosis of a qualifying condition.
Recommendations Given (74)
"Steven provides a much needed service especially during these current times. I look forward to..."
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"Steven provides a much needed service especially during these current times. I look forward to having some interesting conversations with him soon!"
"I have seen Mannys work before and been on set to witness his artistry. He is simply fantastic!"
Recent Activity
Building partnerships and relationships with real estate agents is definitely a face-to-face mission; As a former mortgage professional I learned the key to a real estate agent’s heart is food/drinks and the opportunity for a platform. I would regularly stop by real estate offices, bring food or...
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Building partnerships and relationships with real estate agents is definitely a face-to-face mission; As a former mortgage professional I learned the key to a real estate agent’s heart is food/drinks and the opportunity for a platform. I would regularly stop by real estate offices, bring food or gift bottles of wine, lots of lunches, and also, if you can host an event for the general public (like a lunch & learn or a networking happy hour) and partner with said agent or broker, it more often than not will win them over. Don’t forget holidays (Christmas baskets and cards, etc.) and Birthdays!
What I’ve learned from dealing with people’s finances over the years is that transparency and accessibility are the most important ingredients for building trust. As long as a company discloses all aspects of their products, realistic expectations, and fair pricing they can win over customers....
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What I’ve learned from dealing with people’s finances over the years is that transparency and accessibility are the most important ingredients for building trust. As long as a company discloses all aspects of their products, realistic expectations, and fair pricing they can win over customers. Being accessible to your clients at all times is also powerful. Even when problems arise or questions that keep customers awake a night, the ability for them to pick up the phone and reach you or get a response back quickly builds long lasting trust and loyalty for the long haul :)
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I would say social media and partnering with influencers with a large platform. It is the most affordable and most efficient way to cast a large net and build your prospective client base.
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I would say social media and partnering with influencers with a large platform. It is the most affordable and most efficient way to cast a large net and build your prospective client base.