Protecting active families with Living Benefits
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Thank you to our client and friend, Dayna Alkok from Combined Insurance, for this guest post!
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Protecting Active Families with Living Benefits
Life is full of unexpected twists and turns, and for active families, those surprises can come in the form of injuries, illnesses, or other challenges that impact their ability to work and provide. That’s why living benefits—coverage that pays you directly when life throws you a curveball—are so essential.
A Little About Me
I work with Combined, helping individuals and families protect what matters most with flexible, affordable coverage. As someone who values family, I know firsthand how important it is to have a safety net in place. Whether it’s an unexpected accident on the ski hill, an illness that sidelines a parent from work, or a child’s injury that requires time away from a job, the financial impact of these events can be significant. That’s where living benefits come in.
Peace of Mind for Every Adventure
Alberta is an incredible place to live, especially for families who love the outdoors. With the mountains in our backyard, it’s second nature for many of us to spend weekends hiking, biking, skiing, or exploring everything this region has to offer. We raise our kids in an environment that encourages adventure, but with that active lifestyle comes risk. A broken leg from a weekend ski trip, a concussion from mountain biking, or even something as common as a child’s sports injury can put financial strain on a family—especially when time off work is needed for recovery or caregiving.
Living benefits provide that extra layer of protection, offering cash payouts that families can use however they need. Whether it’s covering household bills while a parent recovers, helping with medical travel costs, or simply easing financial stress during a difficult time, this type of coverage ensures that an unexpected injury or illness doesn’t derail your family’s financial stability.
I’ve seen firsthand how this kind of protection has helped families. One student dislocated her knee playing soccer, and thanks to her claim, her family was able to take time off work to support her recovery. A client who sprained his knee while skiing used his payout to cover expenses while he healed. Another client crashed his motorcycle and relied on his benefits to replace lost income during his time off work. Even everyday accidents can have an impact—a homemaker who tore her meniscus slipping on a sock used her claim money to supplement her husband’s time off work to care for her, with a little extra to treat herself.
Affordable Protection for Families
One of the reasons I’m so passionate about what I do is because I believe every family should have access to financial security, no matter what life throws their way. That’s why I love that Combined offers family discounts to make coverage even more affordable. Because when we prioritize protecting our families, we give ourselves the freedom to embrace every adventure—without hesitation or worry.
If you’d like to learn more about how this type of coverage can work for your family, I’d love to chat. Because at the end of the day, protecting what matters most is what I do best.
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For more information, please reach out to Dayna here:
Phone: 780-932-1532
Social: https://www.instagram.com/cochranelivingbenefits/
Thank you!
Your Costen Insurance Team