Participating life insurance

More than just insurance

  • Use the savings component to grow your money tax-free in the medium or long term
  • Add to or withdraw from your savings as needed
Get this product - More than just insurance.

Why choose Desjardins?

Diversification

A safe way to diversify your investments

Expertise

Desjardins’s asset managers are known for their expertise

Flexibility

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!

Policy duration

Lifetime coverage.

Payment period

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

Additional coverage

Choose how you want to use your dividends:

  • Keep them in your account
  • Get cash back
  • Reduce your annual premium
  • Increase your coverage
  • Use them to pay your premiums

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:

  • A health and well-being platform with reliable resources to help you make informed decisions
  • 24/7 phone assistance services

Did you know?

You can stop making payments and keep your coverage!

Client services

Get this product

Make an appointment with a representative today. They’ll assess your financial needs and recommend a solution best-suited to your priorities.

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

1-866-838-7661 This link will launch your default phone software.

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.