Critical illness insurance

Critical illness insurance provides access to the cash you need when you need it most. It can help cover operating expenses if you or one of your partners becomes critically ill. And thanks to the benefits it offers, it's also a good way to retain key employees.

This type of insurance is right for you if you want to protect yourself, your business, your partners and your key employees against the financial impact of a critical illness.

Features

• Pays you a set benefit amount while you're alive, following the diagnosis of a covered critical illness or surgical procedure.
• A tax-free benefit that can be used however you want, so you can:
  • avoid having to dip into money you've set aside for company projects or retirement
  • compensate for lost productivity or hire a replacement
• The option to get all or some of your premiums back at the end of the contract period, if you die while the contract is in force or if you terminate the coverage.
• It can be combined with other coverages, such as:
  • term life insurance
  • permanent life insurance
  • universal life insurance
  • disability insurance
  • healthcare insurance

Products

Vision Critical Illness Coverage	Pays a benefit if you become critically ill (up to 33 illnesses and surgical procedures are covered) and reimburses certain homecare services. Also offers personalized assistance to help you find a homecare provider.
Vision Duo Solution	Covers you for life and combines the benefits of life and critical illness insurance. Plus, you can choose to pay off your insurance for 10 years, 20 years, or by age 100. Surrender values are guaranteed.

	By e-mail	Fill out the form
	By phone	1-866-838-7661
	At the caisse	Make an appointment with a financial security advisor3 at a caisse.
	At a Desjardins Business Centre	Make an appointment with a financial security advisor at a Desjardins Business Centre.

This coverage is a product of Desjardins Financial Security Life Assurance Company. In Ontario, it's distributed through Desjardins Financial Security Life Assurance Company, and in Quebec through Desjardins Financial Security, Financial Services Firm.

This webpage is for information purposes only. Only the policy and insurance application will be used to settle legal disputes. Some exclusions and restrictions apply.

1. Source: Heart and Stroke Foundation of Canada.
2. Source: Canadian Cancer Society.
3. Life and health insurance agent in Ontario. In Quebec, it refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.