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