Combined Insurance

My name is Joe Varecha and I am Licensed NYS Sales Agent working for Combined Insurance. I will be
your sales liaison working under the direction of Chris Daniello, Executive Director at LIGRA , to
assist you with your enrollment, if you so choose?

Combined was founded in 1922 and is the original pioneer in the supplementary insurance business.
We provide cash benefits paid directly to you to offset high deductibles and co-payments. Many use
these benefits for daily living expenses such as rent, mortgage, car payments, utility costs and
even food.

Combined has a very diverse product portfolio:

-Accident coverage for as low as $15.17 per month

-Sickness protection for as little as $26.85 per month

-Cancer coverage starting at just $13.42 per month.

-Critical Care policy will pay you up to a $100,000 lump sum just for being diagnosed with any of
several critical illnesses: Kidney Failure, Cancer, Heart disease or attack, MS, Stroke, organ
transplants:

(heart, kidney, liver, lung, pancreas)

-Short-term disability policies that pay as much as $500 per week with first

day coverage and long-term coverage that pays you up to $5,000 per month for up to 5 years and it
even has a waiver of premium if disabled. We also offer whole life insurance with accident and term
riders and a final expense or gap policy for those that have some health issues & term-single pay
juvenile life protector.

I have been serving the Long Island community for many years, and I believe my clients deserve
premier service, which I provide. This means making things easier, assisting whenever there is a
need, and making sure you get paid promptly.

Take advantage of these valuable protection plans like so many others have? Let me show you how
easy it is to get started? Please call, text, or email me?

Joe Varecha Joseph.Varecha@Combined.Com Sales Agent- 516-236-6858

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