Participating life insurance

So you can get the funding you need to seize business opportunities

  • Get tax-efficient coverage with dividend options
  • Use dividend payments to increase your cash value and boost your retirement income, while maintaining your basic coverage
  • Increase the value of your estate
Get this product - More than just insurance.

Why choose Desjardins?


A safe way to diversify your investments


Desjardins’s asset managers are known for their expertise


5 options for using your policy dividends

How does it work?

  • It’s a tax-efficient permanent life insurance product with a dividend option.
  • Premiums are guaranteed and will never go up.
  • The product is divided into 2 parts:
    • Guaranteed values: cash value, cost of insurance and life insurance amount
    • Non-guaranteed values: higher potential, but higher risk
  • Use your funds to provide financial security for your loved ones, finance the growth of your company or supplement your retirement income—you decide! note

Policy duration

Lifetime coverage.

Payment period

Pay for your coverage over 5 years, 10 years, 20 years or until age 100.

Additional coverage

Choose how you want to use your dividends: note

  • Keep them in your account
  • Get cash back
  • Reduce your annual premium
  • Increase your coverage
  • Use them to pay your premiums
  • Increase your coverage based on the market value of your share of the business during the first 10 years after the policy is issued
  • Benefits:
    • No proof of good health required
    • Sound financial risk management
  • Get the right coverage for your growing business

You and your loved ones always have access to our complimentary assistance services, whether you’re looking for general information or need help getting through a difficult time:

  • 24/7 phone assistance services where you can get advice from a nursing professional on various health matters, including nutrition, vaccination, childcare, medication and the use of natural products

Did you know?

You can stop making payments and keep your coverage!

Client services

For information about your contract or to change your address

1-888-558-5525 This link will launch your default phone software.

File a claim External link.

Get an insurance coverage

Our financial security advisors are here to help. Let’s discuss your needs and find the coverage that’s right for you.

Fill out the form External link. Opens in a new window.

You can also reach an advisor by calling 1-866-838-7661 This link will launch your default phone software.
Monday- toFriday, 9 a.m. to 5 p.m. (ET)

This coverage is a product of Desjardins Insurance distributed in Quebec through financial security advisors employed by Desjardins Financial Security, Financial Services Firm. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

  1. Certain conditions apply. Options may vary depending on the underwritten project. Retour à l'appel de la note [1]