Permanent life insurance

You’ll be covered for the rest of your life

  • Beneficial

    Opt for the most cost-effective long-term solution

  • Consistent

    Take advantage of a set premium that’s guaranteed as long as the coverage is in force

  • Accommodating

    Choose from different payment periods

Why choose Desjardins?

Flexibility

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.

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?

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.

Claim forms External link. Opens in a new window.

Assess your coverage needs

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

Meet with an advisor - External link. Opens in a new window. Assess online 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.