Aspects of the disclosure describe systems and methods for providing a combined insurance and assistance product to an insured. Insurance coverage can be provided to the insured for at least one insured loss event in conjunction with assistance services coverage based upon the at least one insured loss event. A base premium for the combined insurance and assistance product can be calculated based at least in part on a premium for the insurance coverage and a premium for the assistance services coverage. Assistance services can include preventive services directed to helping avoid the occurrence of at least one insured loss event and/or rehabilitative services directed to providing assistance after an occurrence of at least one insured loss event.