Permanent life insurance

So you can make the most of your estate

  • Split up your estate among your children, including those who won’t be taking over the family business
  • Hire a replacement in the event that a key employee dies
  • Get long-term care coverage

Why choose Desjardins?


Modify your policy without penalty to use part of your investment during your lifetime

A wide range of options

Choose from additional à la carte coverage options

Multi-coverage discount

Get a competitive rate by combining 2 or more eligible coverage options in the same policy

How does it work?

  • You’ll be covered for the rest of your life, even if your health changes.
  • When you die, your loved ones will receive a tax-free lump-sum payment.
  • Leave more for your family, including funds to help pay for your final expenses.

Set premium

Choose what works best for you (for 10, 15 or 20 years, or until age 65 or 100).

Policy duration

Lifetime coverage.

Additional coverage

Choose how you want to use your dividends:

  • Health: Add a coverage option that will pay you an advance in the event of a covered critical illness or surgery.
  • Independence: With long-term care coverage, receive a tax-free monthly benefit to help you access care when you really need it.
  • Accident: In case of an accident, you and your children are covered.
  • As a couple: You can take out a joint policy.
  • 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?

If you decide to reduce or cancel your coverage, you can get back a significant portion of your investment!

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.

Assess your coverage needs

Find the insurance amount that’s right for you by assessing your coverage needs and getting a quote —in person or online!

Get a quote External link. Opens in a new window. Meet with an advisor - 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.