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Permanent life insurance

Insurance that lasts a lifetime, no matter your age or how your health changes.

Already have permanent life insurance?

What is permanent life insurance?

Permanent life insurance, which includes whole life insurance, covers you for your entire life. As long as you pay your premiums, your policy won't expire—even if your health changes.

Over the long run, it's more cost-effective than term insurance, which covers you for a set period of time.

Is permanent life insurance worth it?

When you take out permanent life insurance, you can rest easy knowing that your loved ones will receive financial support after your death. The tax-free payment can help them cover expenses and give them financial security.

Cover final expenses

Funeral costs, taxes, etc.

Leave an inheritance for your family

A way to build your estate.

Give to a cause

And make a difference to an organization you care about.


Payment period options

Pay your premiums for 10, 15, or 20 years, or up to age 65 or 100.

Fixed premiums

Count on a premium that won't change during the payment period.

Cash out options

Get back a portion of the premiums paid if you have to reduce or end your coverage. 2

How much does life insurance cost?

Answer 3 questions to find out approximately how much life insurance will cost you.

Advantages of permanent life insurance

Cash surrender value

You can cash out your policy as of the fifth year. 2  This can be handy if you need money for a project or to cover unexpected expenses.

Reduced paid-up insurance

You can stop paying your premiums as of the eighth year and still be covered. 2 But your insurance amount will be lower.

Coverage options

You can top up your coverage with a critical illness or long-term care advance 3 . This means you'll have 2 permanent coverages in 1 policy.

Critical Illness Advance

If you're diagnosed with a serious illness that's covered like cancer, heart disease or an infectious disease, this coverage helps you pay for expenses. That way, you can focus on getting better.

Long-Term Care Advance

If you're unable to care for yourself due to an accident, illness or your age, this coverage helps cover costs.

Additional coverages

Boost your protection with our add-ons.

  • Accident
  • Accidental death, dismemberment or loss of use
  • Accidental dismemberment or loss of use
  • Accidental fracture
  • Business insurability coverage
  • Children's accidental fracture
  • Children's life protection
  • Guaranteed insurability benefit
  • Waiver of premiums in case of disability

Assistance services

If you're looking to get help with daily activities or support in difficult times, we're here for you. Access to services varies depending on your coverage.

Phone assistance

Call anytime for advice from a nurse on nutrition, vaccinations, the use of prescriptions drugs and other health matters.

Second medical opinion

Get a second opinion on a diagnosis from specialist physicians, who will review your medical record and history.

Autonomy assistance

Receive home care services to make day-to-day life easier for you and your caregivers if you lose your independence.

Home assistance

Get help planning home renovations, referrals for professional services or advice. We also offer a 24/7 emergency service.

Psychological assistance

Talk to a psychological health specialist, in person or on the phone, for help in hard times.

Multi-coverage discount

Get a reduced premium when you buy 2 or more eligible insurance coverages at the same time for the same policy.

Get a life insurance quote


Find out which type of life insurance is best for you and get a quote. 1

By phone

We can also call you when it's convenient.

Explore our other insurance options

Participating life insurance

Insurance that covers you for life and builds cash value.
Learn more about Participating life insurance

Universal life insurance

Lifelong insurance protection with investment options.
Learn more about Universal life insurance
Life insurance and living benefits products are manufactured by Desjardins Financial Security Life Assurance Company.
This quote is not a formal proposal. Only our financial security advisors can assess your needs, check your insurability and offer the insurance product that's best for you. The reduced paid-up insurance option and cash surrender value apply to all permanent products, except for our Term to 100 product. The conditions covered by Critical Illness Advance and Long-Term Care Advance are indicated in your contract.