HOW MY PRODUCTS HELP YOU 

- No medical exam required (answer a few short questions)
-You get on and off the job coverage
-Cash paid to you directly 
-Covers you internationally
-You own it and it follows you wherever you go even if you change jobs or move to another state
-Paid on top of your other benefits such as sick days, workers compensation, (V.I.P, assault grant, Farmington, Aflac, Unum, etc)
-Get paid when you go to ER or urgent care for any injury or illness 


WHY I DO WHAT I DO!
I became the change I needed to see.

I am Valentine Saint Martin, a licensed insurance agent, and worksite benefit provider.  I help self-employed business owners protect their families, their businesses, and their legacy.

 I help protect the front line healthcare workers and first responders of New York City. I make sure that hard-working individuals have a safety net in place that prevents hardship in the event of a disability, sickness, or injury. 

I do all of this by providing tax-free or tax-deferred income for themselves and their families for life. 

 I worked in the healthcare business for twenty years helping patients understand their insurance, I performed claims billing, and collecting for the physicians when insurance companies had difficulties in paying claims.  I set out to bridge the gaps between the client, the provider, and the insurance company because I noticed there was a lack of communication and education, between all involved parties.  

 I became a licensed insurance agent to better educate as many people as I can about their policies, to help them choose the best coverage, and how to use the products I provide for them. 
 I am fingerprinted by the FBI with a full background check  I have a legal, moral, ethical, and fiduciary responsibility to all.

HOW MY PRODUCTS HELP YOU 

-You get on and off the job coverage
-Cash paid to you directly 
-Covers you international
-You own it and it follows you wherever you go even if you change jobs or live to another state
-Paid on top of your other benefits such as sick days, workers compensation, (V.I.P, assault grant,, Farmington, Unum, etc)
-Get paid when you go to ER or urgent care for any injury or illness 


WHY I DO WHAT I DO!
I became the change I needed to see.

I am Valentine Saint Martin, a licensed insurance agent, and worksite benefit provider.  I help self-employed business owners protect their families, their businesses, and their legacy.

 I help protect the front line and first responders of New York City. I make sure that hard-working individuals have a safety net in place that prevents hardship in the event of a disability, sickness, or injury. 

I do all of this by providing tax-free or tax-deferred income for themselves and their families for life.  I worked in the healthcare business for twenty years helping patients understand their insurance, I performed claims billing, and collecting for the physicians when insurance companies had difficulties in paying claims.  I set out to bridge the gaps between the client, the provider, and the insurance company because I noticed there was a lack of communication and education, between all involved parties.  

 I became a licensed insurance agent to better educate as many people as I can about their policies, to help them choose the best coverage, and how to use the products I provide for them. 
 I am fingerprinted by the FBI with a full background check  I have a legal, moral, ethical, and fiduciary responsibility to all.

Insurance Benefits Manager

File

Claim Form 

Your DropDown text

HOW TO FILE A CLAIM

WHY CHOOSE COMBINED

SIGNING UP OVER THE PHONE

INSURANCE EDUCATION CORNER

DEFINITIONS (OUTPATIENT SURGERY) 

WHOLE LIFE INSURANCE

HEALTHCARE SCREENING BENEFITS

Health Screening Test

Any app/website link 

What's Supplemental Insurance 

Video

Embedded Video

Read this book

Website link

Website

Your App link

My Combined App Google Play

IPhone Combined App

Email

Text

Call or Text

LinkedIn profile link

LinkedIn

Link to Spotify

Spotify

Facebook profile link

Facebook

Twitter username

Twitter

Instagram link

Instagram

Youtube channel link

YouTube

TikTok Username

TikTok

WhatsApp number

WhatsApp

CashApp username

Cash App

paypal.me link

PayPal

AP/ASP Price Chart

Combined +(Accident Protector And Accident Sickness Protector Combined Together) 

Accident Protector 

Accident Sickness Protector 

Sick Pay Plus(Short Term Disability) 

Income Protector (Long Term Disability) 

Life Protector (Whole Life Insurance) 

Critical Care Protector 

Cancer Care Protector 

Universal Life Protector 

Critical Illness Diamond

How To File A Claim

HOW MY PRODUCTS HELP YOU 

- No medical exam required (answer a few short questions)
-You get on and off the job coverage
-Cash paid to you directly 
-Covers you internationally
-You own it and it follows you wherever you go even if you change jobs or move to another state
-Paid on top of your other benefits such as sick days, workers compensation, (V.I.P, assault grant, Farmington, Aflac, Unum, etc)
-Get paid when you go to ER or urgent care for any injury or illness 


WHY I DO WHAT I DO!
I became the change I needed to see.

I am Valentine Saint Martin, a licensed insurance agent and worksite benefit provider.  I help self-employed business owners protect their families, their businesses, and their legacy.

 I help protect the front-line healthcare workers and first responders of New York City. I make sure that hard-working individuals have a safety net in place that prevents hardship in the event of a disability, sickness, or injury. 

I do all of this by providing tax-free or tax-deferred income for themselves and their families for life. 

 I worked in the healthcare industry for twenty years, helping patients understand their insurance, I performed claims billing and collecting for the physicians when insurance companies had difficulties in paying claims.  I set out to bridge the gaps between the client, the provider, and the insurance company because I noticed there was a lack of communication and education between all involved parties.  

 I became a licensed insurance agent to better educate as many people as I can about their policies, to help them choose the best coverage, and how to use the products I provide for them. 
 I am fingerprinted by the FBI with a full background check. I have a legal, moral, ethical, and fiduciary responsibility to all.

Independent Insurance Benefits Broker

Valentine Saint Martin Supplemental Benefits And Life Insurance Broker 

Valentine Saint Martin