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Desjardins Life Insurance

Desjardins Groups is among Canada’s largest insurers, offering a diverse selection of life and living benefits products through their network of credit unions and brokers. Ideal for individuals, families, and businesses, Desjardins can help you create a plan that works within your budget to cover your needs.

Desjardins offers the following insurance plans:

Desjardins Term Life Desjardins Permanent Life Desjardins Universal Life Desjardins Critical Illness Desjardins Disability Insurance
Type of PlanTerm LengthEligibilityBenefits
Life Term 1010 yearsAges 18 to 75Coverage up to $10,000,000. Additional coverage options available to maximize your plan. Renewable every 10 years.
Life Term 10, 20, 3010, 20 or 30 years or up to age 65Ages 18 to 75Coverage starts at $25,000. Guaranteed premiums for life of the term. Additional coverage options available to maximize your plan.
Desjardins Term Life
Type of PlanTerm LengthEligibilityBenefits
Life Term 1010 yearsAges 18 to 75Coverage up to $10,000,000. Additional coverage options available to maximize your plan. Renewable every 10 years.
Life Term 10, 20, 3010, 20 or 30 years or up to age 65Ages 18 to 75Coverage starts at $25,000. Guaranteed premiums for life of the term. Additional coverage options available to maximize your plan.
Desjardins Permanent Life
Type of PlanTerm LengthEligibilityBenefits
Life to Term 100For LifeAges 0 to 75Coverage starts at $25,000. Premiums are payable to age 100. Additional accidental death and injury coverage to maximize your plan.
Whole Life Guaranteed to 100 (Golden Edge)For LifeAges 0 to 80Up to $10,000,000 in coverage. Cash surrender value available as of the 5th year. Guaranteed level premiums.
Whole Life Guaranteed to 65For LifeAges 0 to 49Up to $10,000,000 in coverage. Premiums are payable to age 100. Cash surrender value available as of the 5th year. Guaranteed level premiums.
Whole Life Guaranteed 20 PayFor LifeAge 0 to 75Up to $10,000,000. Premiums are payable in 20 years. Cash surrender value available as of the 5th year. Guaranteed level premiums.
Whole Life Guaranteed 10 PayFor LifeAge 0 to 75Up to $10,000,000. Premiums are payable in 10 years. Cash surrender value available as of the 5th year. Guaranteed level premiums.
Desjardins Universal Life
Type of PlanTerm LengthEligibilityBenefits
Universal Life Term10 or 20 yearsTerm 10: Ages 18 to 75
Term 20: Ages 0 to 65		Up to $10,000,000 in coverage. Accumulate funds with the plan to cover insurance costs or increase retirement income.
Universal Life PermanentFor LifeAges 0 to 75Up to $10,000,000 in coverage. Accumulate funds with the plan to cover insurance costs or increase retirement income.
Desjardins Critical Illness
Type of PlanTerm LengthEligibilityBenefits
Health Priorities – Term10 or 20 years; to age 65 or 75Term 10: Ages 18 to 65.
Term 20: Ages 0 to 55.
To age 65: Ages 18 to 44.
To age 75: Ages 18 to 75.		Up to $2,500,000 in coverage. Plan covers 26 critical illnesses. Advance paid for more than 15 treatments of some less severe conditions.
Health Priorities – PermanentFor LifeHealth Priorities 10 Pay: Ages 18 to 60.
Health Priorities 20 Pay: Ages 18 to 50.
Health Priorities To 100: Ages 18 to 65.		Up to $2,500,000 in coverage. Level and paid up premiums after 10 or 20 years. Or level premiums to age 100. 26 critical illnesses. Advance paid for more than 15 treatments of some less severe conditions.
Desjardins Disability Insurance
Type of PlanTerm LengthEligibilityBenefits
SOLO Disability2 or 5 years or to age 65Ages 18 to 60Up to $10,000 in monthly benefit amounts. Guaranteed renewable until age 65.
SOLO Essential Disability IncomeAccident coverage:
5 years; 5 years or up to age 70
Illnesses coverage:
5 years; 5 years or up to age 70.		Accident coverage: Ages 18 to 69
Illness coverage:
Ages 18 to 64		Guaranteed acceptance and simplified issue plan. Up to $6,000 in monthly benefit amounts.
SOLO Loan Insurance2 or 5 years or to age 65Ages 18 to 60Up to $5,000 in monthly benefit amounts. Guaranteed renewable until age 65.

We are pleased to offer all life insurance products provided by Desjardins. For a quote on all available life insurance plans, please use our no-obligation quote provided on the right to explore your options and find the right fit for your needs.

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