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You are here: Home > Personal > Insurance > Life and health insurance > Life insurance > Permanent > 50+ Life Insurance

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50+ Life Insurance

Financial security is within your reach!

  • No medical exam; only 4 eligibility questions
  • Fixed tax-free insurance amount
  • Level premiums based on age at time of purchase
  • Free assistance services included
  • Premiums among the lowest on the market

Features

With 50+ Life Insurance, you get:

  • A product exclusively for people aged 50 to 75
  • Immediate coverage and a benefit that's paid even if death occurs during the first 2 years of coverage
  • Lifetime coverage, as long as premiums are paid
  • 5 times the insurance amount in the event of an accidental death before age 85
  • Advance payment of up to 50% of the insurance amount
  • A 30-day money back guarantee
  • Free access to certain Guide, Protect and Support Program telephone assistance services:

To be eligible for 50+ Life Insurance, you must:

  • Be a Canadian resident
  • Be between the ages of 50 and 75
  • Answer "no" to the following 4 eligibility questions:
    1. In the past 5 years, have you had a life, disability or health insurance application that you submitted to an insurer (including Desjardins Insurance1) declined, modified, or approved with an extra premium?
    2. Do any of the following situations currently apply to you?
      • You are bedridden or confined to a wheelchair
      • You are hospitalized
      • You are staying in a convalescent home or long-term care facility
      • You require help, on a permanent basis, to carry out any of the following activities of daily living: eating, dressing, transferring, bathing or toileting
    3. Do any of the following situations apply to you?
      • In the past 2 years, you have received treatment or consulted a healthcare professional for any of the following conditions: heart attack, angina, stroke, transient ischemic attack, diabetic coma, malignant tumour or cancer (excluding follow-up exams)
      • You are currently waiting for treatments or test results (excluding follow-up exams) for any of the conditions listed above
      • You have, or have been advised to have, yearly follow-up exams for a malignant tumour or cancer treated less than 5 years ago
    4. Do you suffer from Alzheimer's disease, kidney failure, pulmonary emphysema, cirrhosis of the liver or an HIV infection (AIDS virus), or have you ever been treated for any of these conditions?

1. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

  • Natural death: choice of $5,000, $7,500, $10,000, $15,000 or $20,000 in insurance
  • Accidental death before age 85: 5 times the sum insured
  • Advance payment: up to 50% of the insurance amount chosen if the life expectancy declared by a physician is less than 2 years

Premiums are calculated based on the:

  • age
  • sex
  • smoking habits
  • insurance amount selected

Don't wait! The sooner you sign up, the lower the premium.

30-day money back guarantee

Guide

To learn more about 50+ Life Insurance, check out the Distribution Guide (PDF, 255 KB) - This link will open in a new window.. It contains everything you need to know about the product, including exclusions and restrictions.

Exclusions and restrictions

Some exclusions and restrictions apply. For a complete list, see the 50+ Life Insurance Distribution Guide (PDF, 255 KB) - This link will open in a new window. or the insurance policy you received from Desjardins Insurance1.

Legal notice

The information appearing on this site summarizes the terms and conditions of this insurance and has no contractual value. It's intended to be clear and simple, so you can easily understand the product.

Only the policy and insurance application will be used to settle legal disputes. The insurance policy contains all the terms and conditions of this coverage.

1. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

Some exclusions and restrictions apply. See Notices.

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