Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]
Can you take out personal insurance at any age?
At Desjardins, anyone under age 79 can purchase a life insurance policy, and there is no limit on the term.
Even elderly people in poor health can take out life insurance. Usually, the insurer is able to evaluate a person's general state of health through questions on the application form. In some cases, a more in-depth medical questionnaire, a medical report or blood tests may be required.
Did you know?
Some insurance policies can be purchased without a medical exam. Beware! These policies are generally more expensive than regular policies. Moreover, they entail long waiting periods1. This insurance is not payable upon death until the policy has been in effect for 2 to 3 years. If the policyholder dies before the end of this waiting period, the insurer simply refunds the premiums already paid.
Don't hesitate to meet with a financial security advisor2; he can recommend life and health insurance coverage tailored to your needs.
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 At the caisse
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Make an appointment with a financial security advisor at a caisse.
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1. Period of time during which the benefits for certain risks covered are not payable.
2. Ontario Life and Health Insurance Agent.
Money question
Do you have disability insurance?