Living Benefits is Insurance you get to use while alive!

Are you Protected against the unexpected?



We pay YOU cash when you are sick or injured. On or off work, 24/7 no dangerous activity restictions.

One thing in life that is guarenteed is BILLS.

It's likely that if you are sick or injured you may be struggling to keep up with your bills.

We pull out insurance on all our assets; cars, houses, electronics and so on.

Living Benefits protects your biggest asset, your ability to earn an income!

We protect your paycheck!

  • No proof of income needed.

  • Discounted family plans.

  • Low and customizable premiums.

  • Pays cash directly to YOU.

  • Tax free.

  • Easy claim processing & Direct deposit


I'm Ciara Graham, an expert in Insurance so you don't have to be!



Licensed in Accident and Sickness Insurance.

Specializing in Living Benefits.

Insurance you can you while ALIVE!

Booking a free 1:1 consultation allows me to share our different plans as well as see what gaps you may have in your current insurance. Let me help you feel secure in knowing that your bills are covered if ever sick or injured.


WHO DO I PROTECT?

Mechanics, Lineman, HealthCare Aids, Nurses, Teachers, Network Marketors, Housekeepers, Labourers, Self Employed, Stay at home parents, Accountants.

EVERYONE can benefit from Living Benefits.



Even if you have pre existing conditions we can chat and see if you qualify for BOTH accident and sickness insurance.

Good news, EVERYONE qualifies for accident coverage and our premiums are customizable and affordable!

"I have heard of house insurance, car insurance and group benefits but NEVER have i heard of Living Benefits, insurance that pays me CASH when i'm sick or injured!!"

"Ciara helped get us feeling safe. She got us set up with a hospital family plan that is so afforable for my 5 children and myself and husband. She helped protect my husbands income as well as set us both up with critical illness coverage. I feel like i can breathe knowing that if anything happens we are covered for the bills and able to focus on getting better. With kids, you just never know! So thankful she shared Living Benefits with me"



Gypsy. H

Contact me- Text/Call1(431)541-7858

Email : Ciara.Graham@combinedagent.com