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Participating life insurance

  • This life insurance solution protects you for as long as you live. It also includes guaranteed premiums and a guaranteed death benefit, partially guaranteed cash values and non-guaranteed dividends.
  • When you die, the death benefit is paid to your life insurance beneficiaries in a single, tax-free payment.
  • It’s right for you if you have long-term financial obligations or you want coverage that will keep pace with inflation.

Features

Eligibility

Ages 0 to 80

Coverage period

Provides you with lifetime coverage

Benefit amount

A financial security advisor1 will help you choose the amount that's right for you

Cost

Choose between a fixed premium or premiums that vary based on your age

Other

Perfect if you’re looking for:

  • Joint coverage for 2 to 5 people
  • Guaranteed premiums that will never go up
  • Guaranteed surrender values
  • Other unique advantages available from your financial security advisor

What is the "participating" in participating life insurance?

A "participating" insurance policy pays dividends back into your policy. You can use these dividends to:

  • Increase your coverage
  • Reduce your annual premium
  • Get cash back

2 participating life insurance products are available:

  • Estate Enhancer: For higher dividends over the long-term
  • Accelerated Growth: For higher dividends over the mid-term

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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