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Vision Death Coverage with Savings

Is this coverage right for you?

It's right for you if you're looking for flexible coverage that lets you continue to save tax-free if, for example, you've maxed out your RRSP contributions.

Features and advantages

Eligibility	Ages 0 to 75
Coverage period	A set period based on your needs, or for life
Benefit amount	A financial security advisor1 will help you choose the amount that's right for you When you die, your insurance, savings, interest and investment income are paid to your beneficiaries, tax-free The Accelerated Savings option lets you reduce the benefit amount to maximize the investment portion
Cost of the insurance component	Based on the benefit amount chosen and your personal situation (age, gender, smoking habits, state of health, etc.) The Accelerated Savings option is a great idea if you want to pay off your policy in just a few payments (a single premium, premiums paid in full over 2 or 3 years, etc.)
Investment component	A variety of investment options (daily interest, fixed interest and index funds) are available, including Desjardins Funds Funds can be withdrawn or transferred from one investment to another with no administration fees Withdrawals are usually taxable, but with the Health Withdrawal Option you can make tax-free withdrawals if you: are recovering from an illness are totally disabled have been diagnosed with a critical illness or need to have a surgical procedure as defined in the contract
Surrender fees	No surrender fees if you decide to terminate your contract The Accelerated Savings option lets you grow your savings more quickly by charging surrender fees for the first 5 years if you reduce or cancel your coverage
Other	Lets you: insure 2 to 5 people using a joint insurance (the accumulated funds are paid to the survivor at the first death tax-free) adjust your policy, penalty-free add insureds or coverages like critical illness insurance, disability insurance or healthcare insurance Offers all the benefits of the Vision contract
Assistance services	Provides access to several GPS Program assistance services at no extra charge: Business Assistance Convalescence Assistance – referrals Legal Assistance Estate Settlement Assistance Travel Assistance

	At the caisse	Make an appointment with a financial security advisor at a caisse.
	At a Desjardins Business Centre	Make an appointment with a financial security advisor at a Desjardins Business Centre.

	By e-mail	Fill out the form
	By phone	1-866-838-7661

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. 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.