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Select Business Expense

  • Monthly benefit: A benefit paid each month to cover your overhead and operating expenses if you become disabled due to an accident or illness.
  • Many unique advantages: Premiums are deductible from the business's taxable income. Coverage may be extended to age 70.

Features

Eligibility

Ages 18 to 60

Monthly benefit period

2 possible choices:

  • For 2 years
  • For 3 years

End of coverage

  • Age 65
  • Possibility of extending to age 70

Monthly benefit amount

  • From $400 to $6,000

A financial security advisor1 will help you choose the amount that's right for you based on your business expenses and your needs

Benefit paid in the event of total disability Invoices required based on eligible expenses

Waiting period before first benefit payment

3 possible choices:
30, 90+ or 120 days

For waiting periods of less than 120 days, the monthly benefit is paid starting on the first day in the event of hospitalization or day surgery

The + sign means that the monthly benefit is paid starting on the first day in the event of an accident.

Cost

  • Level premium to age 65

Varies based on the benefit amount, options selected and your personal situation (age, sex, smoking habits, job category, home province, etc.)


  • Payroll
  • Rent, hydro, telephone and other public utilities
  • Interest charges
  • Amortization or periodic payments of capital, including mortgages
  • Professional services of an external accountant
  • Property taxes for the place of business
  • Fire, theft and casualty insurance premiums
  • Leasing and amortization of equipment, including cars
  • And many others…

Valuable bonus!

With SELECT, you can take advantage of free assistance services that provide you with preferred access to medical experts.

Advance Medical

  • Reputable medical expert opinion program
  • Available at no cost as soon as your doctor thinks you may be suffering from a critical illness
  • Support and case management for a second medical opinion

This coverage is a product of Desjardins Insurance. In Ontario, it's distributed through life and health insurance representatives employed by Desjardins Insurance, and in Quebec, it's distributed through financial security advisors employed by Desjardins Financial Security, Financial Services Firm. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

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

1. In Ontario, this refers to a life and health insurance representative employed by Desjardins Insurance. In Quebec, this refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

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