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You are here: Home > Business > Insurance > Life and health insurance > Health and disability insurance > Long-term care insurance > Vision Accelerated Independence Option

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Vision Accelerated Independence Option

Enhanced life insurance: Access to your money when you need it most!

  • Combines the best of life and loss of independence insurance
  • Balances your need for coverage in the event of health problems and your desire to leave something for your loved ones
  • Is a one-of-a-kind offer
  • Is intended for people up to age 55

Life insurance enhanced with Accelerated Independence gives you access to a portion of your life insurance in the event of a loss of independence.

Eligibility

Ages 0 to 55

Coverage Period

Starting at age 65, up until death

Monthly benefit period

Maximum of 100 months

Monthly benefit amount

A financial security advisor1 will help you arrange to get 1% of your life insurance benefit (up to $2,500/month).

Waiting period

90 days

Availability

Option can be added when you first take out Death Paid-up at Age 65 or After 10, 15 or 20 Years coverage or Death with level costs to Age 100 coverage.

Cost

Based on the benefit amount chosen and your personal situation (age, gender, smoking habits, state of health, etc.).

Assistance services

Provides access to:

Provides access to several Guide, Protect and Support Program assistance services at no extra charge:

If an insured is diagnosed with a loss of independence after age 65, Desjardins Insurance will pay them 1% of their life insurance amount each month, up to 100 months.

Example?

  • If you have $100,000 in life insurance, you’ll receive $1,000 a month if you lose your independence.
  • Even after you’ve received 100 payments of $1,000 each, your loved ones will still be entitled to 25% of the initial $100,000 life insurance amount when you die, meaning they’ll get $25,000.

3 good reasons to choose life insurance enhanced with Accelerated Independence

  1. Lets you enjoy a better quality of life and maintain your dignity in the event of a loss of independence
  2. Protects your loved ones’ financial security
  3. Allows you to leave an inheritance no matter what happens

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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