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You are here: Home > Business > Insurance > Life and health insurance > Life insurance > Term > Vision Business - Guaranteed Insurability

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Vision Business - Guaranteed Insurability

  • Increase your death coverage as the market value of your business grows
  • Get up to 3 times the original benefit amount
  • Available for the first 10 years your contract is in force
  • No proof of good health required

Features

Eligibility

Ages 18 to 65

Coverage period

Ends on the earliest of the following:

  • After the first 10 years your contract is in force
  • Upon the insured’s death
  • When the maximum benefit amount has been reached (3 times the original benefit amount)
  • When the basic death coverage ends
  • When there’s a change in policyholder

Benefit amount

A financial security advisor1 will help you choose the amount that’s right for you, from $100,000 to $3.3 million. The benefit amount may not exceed the lesser of the following: the value of the insured’s share in the fair market value of the business or 200% of the benefit amount for the insured’s death coverages under the contract. Financial proof required when establishing the Vision Business – Guaranteed Insurability benefit amount.

Cost

Based on the benefit amount selected and your personal situation (age, sex, smoking habits, etc.)

Other

Lets you:

Assistance services

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

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

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 Financial Security Life Assurance Company. In Quebec, this refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.

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