Desjardins

Products & Services

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  Term Life Insurance

  Term Life Insurance is a Term Life Insurance product from Desjardins Insurance that provides affordable financial protection for a specified period of time. Coverage is available for terms of 10, 15, 20, 25 or 30 years, or up to age 65, helping protect your family during key financial obligations such as raising children, paying off a mortgage, or managing other debts. Policies are renewable without new medical evidence (subject to policy terms) and can be converted to eligible permanent life insurance before the conversion deadline. Coverage amounts can also be adjusted as your needs change, and optional riders are available to enhance your protection.

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  Whole Life Insurance

  Whole Life Insurance is a permanent life insurance solution from Desjardins Insurance that provides lifetime coverage as long as the required premiums are paid. According to Desjardins, permanent life insurance includes whole life insurance and continues to protect the insured regardless of age or changes in health. The policy offers fixed premium payment options and may accumulate cash surrender value, allowing policyholders to access a portion of the policy value under the terms of the contract. It is designed for individuals seeking lifelong financial protection, estate planning, and financial security for their beneficiaries.

• Participating Life Insurance

  Participating Life Insurance is a participating whole life insurance product from Desjardins Insurance that provides lifetime life insurance coverage while offering the opportunity to receive non-guaranteed policy dividends. Eligible dividends may be used in several ways, including purchasing additional paid-up insurance, reducing premiums (where permitted), accumulating with interest, or receiving cash, subject to the policy terms and dividend performance. In addition to guaranteed life insurance protection, the policy builds guaranteed cash values and is designed to help with long-term wealth accumulation, estate planning, and leaving a financial legacy for beneficiaries.

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  Universal Life Insurance

  Universal Life Insurance is a permanent life insurance product from Desjardins Insurance that combines lifelong insurance protection with tax-advantaged investment opportunities within a single policy. It offers flexible premium payments and allows policyholders to allocate the investment portion among a variety of available investment options based on their financial objectives and risk tolerance. The policy is designed for individuals seeking permanent life insurance coverage while building wealth in a tax-efficient manner and supporting long-term financial and estate planning.

• Life Insurance Over 50

  Life Insurance Over 50 is a permanent life insurance product from Desjardins Insurance designed specifically for individuals aged 50 to 75. It provides lifetime coverage with no medical exam required. Applicants simply answer 4 health questions to determine eligibility. Coverage starts immediately upon approval, with no waiting period, and premiums do not increase because of age. Policyholders can choose coverage amounts ranging from $5,000 to $20,000, helping loved ones cover final expenses, outstanding debts or leave a financial gift. The policy also includes an accidental death benefit before age 85, an advance payment option for eligible terminal illness cases, and access to several assistance services.

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  Critical Illness Insurance – Health Priorities (Term)

  Critical Illness Insurance – Health Priorities (Term) is a term critical illness insurance product from Desjardins Insurance that provides financial protection if the insured is diagnosed with one of the covered critical illnesses during the selected coverage period. The policy pays a tax-free lump-sum benefit upon the diagnosis of a covered condition that meets the policy requirements, helping individuals and families manage medical costs, replace lost income, pay off debts or maintain their lifestyle during recovery. Health Priorities (Term) offers coverage for a specified period, making it a flexible solution for individuals who want protection during their working years, while raising a family or while financial obligations such as a mortgage are at their highest. Because the benefit is paid as a lump sum, the insured can use the money for any purpose without restrictions. Coverage, eligible illnesses, benefit amounts and optional features are subject to the policy's terms, conditions, limitations and exclusions.

• Critical Illness Insurance – Health Priorities (Permanent)

  Critical Illness Insurance – Health Priorities (Permanent) is a permanent critical illness insurance product from Desjardins Insurance that provides lifelong financial protection against covered critical illnesses. If the insured is diagnosed with a covered condition that meets the policy requirements, the policy pays a tax-free lump-sum benefit, helping cover medical expenses, replace lost income, reduce financial pressure or support any other personal or family needs during recovery. Unlike term critical illness insurance, Health Priorities (Permanent) provides coverage for life as long as the policy remains in force, offering long-term protection and greater peace of mind. The lump-sum benefit can be used without restrictions, allowing the insured to focus on recovery rather than financial concerns. Depending on the policy selected, additional features and optional benefits may also be available. Coverage, eligible illnesses, benefit amounts and optional features are subject to the policy's terms, conditions, limitations and exclusions.

• Critical Illness Insurance – Health Priorities (Child)

  Critical Illness Insurance – Health Priorities (Child) is a critical illness insurance product from Desjardins Insurance designed specifically for children. It provides financial protection if the insured child is diagnosed with a covered critical illness that meets the policy requirements. Upon an eligible diagnosis, the policy pays a tax-free lump-sum benefit that parents or guardians can use in any way they choose, including covering medical expenses not funded by provincial healthcare, replacing lost income while taking time off work, paying for travel or accommodations, or supporting the child's recovery and well-being. This coverage helps families focus on their child's care rather than financial concerns during a difficult time. Depending on the policy provisions, additional options and future conversion opportunities may be available as the child grows. Coverage, eligible illnesses, benefit amounts and optional features are subject to the policy's terms, conditions, limitations and exclusions.

• Critical Illness Insurance – Health Priorities (Business)

  Critical Illness Insurance – Health Priorities (Business) is a critical illness insurance solution from Desjardins Insurance designed to help protect businesses and business owners against the financial impact of a covered critical illness. If the insured business owner, key employee or eligible insured person is diagnosed with a covered critical illness that meets the policy requirements, the policy pays a tax-free lump-sum benefit to help the business manage unexpected financial challenges. Critical Illness Insurance – Health Priorities (Business) is a critical illness insurance solution from Desjardins Insurance designed to help protect businesses and business owners against the financial impact of a covered critical illness. If the insured business owner, key employee or eligible insured person is diagnosed with a covered critical illness that meets the policy requirements, the policy pays a tax-free lump-sum benefit to help the business manage unexpected financial challenges. The benefit can be used for any business purpose, including maintaining cash flow, covering operating expenses, hiring temporary staff, repaying business debt, protecting business continuity or supporting recovery during a period of reduced productivity. This flexible coverage helps businesses remain financially stable while allowing owners and key personnel to focus on recovery and the continued operation of the business. Coverage, eligible illnesses, benefit amounts and optional features are subject to the policy's terms, conditions, limitations and exclusions.

• SOLO Loan Insurance

  SOLO Loan Insurance from Desjardins Insurance is an individual credit insurance product designed to help borrowers meet their financial obligations when unexpected events occur. Depending on the coverage selected, it can provide benefits for death, disability, critical illness and involuntary job loss. The insurance can help cover eligible loans, lines of credit, credit cards and leasing agreements, subject to the terms and conditions of the policy. As an individually owned policy, SOLO Loan Insurance provides coverage that is independent of a specific lender and remains under the policyholder's ownership.

• SOLO Essential Disability Income

  SOLO™ Essential Disability Income is a guaranteed issue disability income insurance product from Desjardins Insurance designed for individuals who may not qualify for traditional disability insurance because of their occupation, health history, or affordability. It provides long-term financial protection by paying a tax-free monthly benefit if the insured becomes disabled due to a covered accident and is unable to work, with optional illness coverage available upon completion of a health questionnaire. Applicants can qualify for accident coverage by correctly answering three simple eligibility questions, with no medical questionnaire or paramedical examination required. The plan offers flexible coverage options, including 24-hour or non-work-related accident protection, customizable waiting periods and benefit periods, partial disability benefits, waiver of premium during total disability, rehabilitation support, and complimentary assistance services. Coverage is available subject to eligibility requirements and the terms, conditions, limitations, and exclusions of the policy.

• SOLO Healthcare

  Health and Dental Insurance from Desjardins Insurance helps cover eligible healthcare expenses that may not be included in provincial health insurance plans. Depending on the plan selected, coverage may include prescription drugs, dental care, vision care, paramedical services such as physiotherapy and massage therapy, medical equipment, ambulance services, and travel emergency medical coverage. With a choice of flexible plans, individuals, families, self-employed professionals, and retirees can select coverage that best fits their healthcare needs and budget.

• SOLO™ Agriculture

  SOLO™ Agriculture is a disability income insurance solution from Desjardins Insurance designed specifically for farm producers. It provides a tax-free monthly benefit if the insured is unable to work because of a covered accident or illness, helping replace lost income during a partial or total disability, depending on the coverage selected. The benefit is intended to help farmers maintain their financial stability, cover personal living expenses and support the ongoing operation of their farm while focusing on recovery. The coverage is tailored to the unique needs of agricultural businesses and can help protect farm income, preserve financial security and reduce the financial impact of an unexpected disability. Coverage is subject to the terms, conditions, limitations and exclusions of the policy.

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  SOLO Disability Income

  SOLO Disability Income from Desjardins Insurance provides a monthly income benefit when an insured person is unable to work because of an illness or accident. The monthly benefit is based on the insured's monthly income and is payable as long as the insured meets the policy's definition of disability, up to the selected benefit period. The policy is guaranteed renewable to age 65, meaning Desjardins Insurance cannot cancel the contract, modify existing provisions, or add new restrictions while the policy remains in force. Coverage offers flexible benefit amounts, waiting periods and benefit periods to help meet the insured's financial protection needs.

• Life with Long-term Care Advance

  Life with Long-term Care Advance is a hybrid life insurance solution from Desjardins Insurance that combines permanent life insurance with Long-term Care Advance benefits in a single policy. It is designed to provide lifelong life insurance protection while offering financial support if the insured requires long-term care in the future. If the insured becomes eligible for long-term care benefits under the terms of the policy, a tax-free monthly benefit is paid to help cover the cost of daily care and other eligible expenses. These payments are made as an advance of the life insurance benefit, meaning the total life insurance amount is reduced by the benefits paid for long-term care. If no long-term care benefits are used, the full eligible life insurance benefit remains payable to the beneficiary upon the insured's death. Coverage is subject to the policy's terms, conditions, limitations and exclusions

• Life with Critical Illness Advance

  Life with Critical Illness Advance is a hybrid life insurance solution from Desjardins Insurance that combines permanent life insurance with Critical Illness Advance benefits in a single policy. It is designed to provide lifelong life insurance protection while also offering financial support if the insured is diagnosed with a covered critical illness. If the insured is diagnosed with a covered critical illness that meets the policy requirements, a tax-free lump-sum advance is paid from the life insurance benefit, with no survival period required. This advance can be used for any purpose, including medical expenses, replacing lost income or supporting personal and family needs during recovery. Because the payment is made as an advance of the life insurance benefit, the remaining death benefit is reduced by the amount paid for the critical illness advance. If the insured is never diagnosed with a covered critical illness, the full eligible life insurance benefit remains payable to the designated beneficiary upon death. Coverage is subject to the policy's terms, conditions, limitations and exclusions.

• First Home Savings Account (FHSA)

  The First Home Savings Account (FHSA) is a registered savings and investment account designed to help eligible Canadians save for the purchase of their first home. It combines key advantages of both an RRSP and a TFSA by allowing eligible contributions to be tax-deductible while permitting tax-free withdrawals when the funds are used to purchase a qualifying first home. An FHSA can hold a variety of eligible investment products, including Guaranteed Investment Certificates (GICs), mutual funds, segregated funds and other qualified investments, allowing savings to grow on a tax-free basis while they remain in the account. If the funds are used for an eligible first home purchase, qualified withdrawals are generally tax-free. If the account is not used to purchase a home, under certain conditions the accumulated savings may be transferred to an RRSP or RRIF without immediate tax consequences. Annual and lifetime contribution limits are established by the Government of Canada. Eligibility, contribution rules, transfers, withdrawals and investment options are subject to applicable legislation and the terms of the financial institution.

• Tax-Free Savings Account (TFSA)

  The Tax-Free Savings Account (TFSA) is a registered savings and investment account that allows Canadians to grow their savings and investments tax-free. Investment income earned within a TFSA—including interest, dividends and capital gains—is not taxed, and qualified withdrawals can generally be made without paying income tax. A TFSA offers flexible access to your money, making it suitable for both short-term and long-term financial goals. It can be used to save for emergencies, major purchases, travel, education, retirement or any other personal objective. Depending on your investment strategy, a TFSA can hold a variety of eligible investments, including Guaranteed Investment Certificates (GICs), mutual funds, segregated funds and other qualified investment products. Annual contribution limits are established by the Government of Canada, and unused contribution room can generally be carried forward to future years. Eligibility, contribution rules and investment options are subject to applicable legislation and the terms of the financial institution.

• Registered Retirement Savings Plan (RRSP)

  The Registered Retirement Savings Plan (RRSP) is a registered retirement savings and investment account designed to help Canadians build long-term wealth for retirement while benefiting from valuable tax advantages. Eligible contributions to an RRSP are generally tax-deductible, helping reduce taxable income in the year they are made, while investment earnings grow on a tax-deferred basis until funds are withdrawn. An RRSP can hold a wide range of eligible investments, including Guaranteed Investment Certificates (GICs), mutual funds, segregated funds and other qualified investment products, allowing investors to build a diversified retirement portfolio based on their financial objectives and risk tolerance. Funds are generally intended for retirement income, although certain government programs, such as the Home Buyers' Plan (HBP) and the Lifelong Learning Plan (LLP), may allow eligible withdrawals under specific conditions. Annual contribution limits are established by the Government of Canada, and unused contribution room can generally be carried forward to future years. Eligibility, contribution rules, withdrawals and investment options are subject to applicable legislation and the terms of the financial institution.

• Registered Retirement Income Fund (RRIF)

  The Registered Retirement Income Fund (RRIF) is a registered retirement income account designed to provide Canadians with a tax-efficient way to convert their retirement savings into a regular source of income. An RRIF is commonly established by transferring assets from a Registered Retirement Savings Plan (RRSP) when retirement begins or before the RRSP maturity deadline. Investments held within an RRIF continue to grow on a tax-deferred basis while the account remains active. Unlike an RRSP, contributions cannot be made to an RRIF. Instead, the account is intended to provide retirement income through mandatory minimum annual withdrawals, while allowing account holders to choose when and how to withdraw additional funds based on their financial needs. An RRIF can hold a variety of eligible investments, including Guaranteed Investment Certificates (GICs), mutual funds, segregated funds and other qualified investment products. Withdrawals are generally taxable as income in the year they are received. Eligibility, withdrawal requirements, investment options and tax treatment are subject to applicable legislation and the terms of the financial institution.

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  Non-Registered Investments

  The Non-Registered Investment Account is an investment account that allows individuals to invest without the contribution limits and withdrawal restrictions associated with registered plans. It is designed for investors who have maximized their registered accounts or who wish to invest additional funds while maintaining flexibility in how they save and access their money. A Non-Registered Investment Account can hold a variety of eligible investment products, including Guaranteed Investment Certificates (GICs), segregated funds and other available investment solutions offered by Desjardins. Unlike registered plans such as a TFSA or RRSP, contributions to a non-registered account are not tax-deductible, and investment income—including interest, dividends and capital gains—is generally taxable according to applicable tax rules. Investors can add or withdraw funds at any time, subject to the terms of the selected investment products. Investment options, taxation and account features are subject to applicable legislation and the terms of the financial institution.

• Guaranteed Investment Funds (GIF) – Helios2 Contract

  Desjardins Financial Security that combines professionally managed investment funds with insurance guarantees. It is designed for investors seeking long-term growth potential while benefiting from guarantees that help protect their investment and facilitate estate planning. Under the Helios2 Contract, investments are allocated to Guaranteed Investment Funds (segregated funds), where the value fluctuates according to market performance. Depending on the selected guarantee option, the contract provides maturity and death benefit guarantees that may protect part or all of the original investment if the contract is held according to its terms. Additional features may include beneficiary designation outside the estate, potential creditor protection in eligible situations, inflation protection on certain guarantees and periodic guarantee resets. Eligible registered and non-registered accounts, available investment funds, guarantees and contract provisions are subject to the applicable Helios2 Contract terms and conditions established by Desjardins Financial Security.

• MLTI – Guarantee Advantage® (Market-Linked Term Investment)

  MLTI – Guarantee Advantage® is a market-linked term investment (MLTI) issued by Desjardins Financial Security Life Assurance Company. It combines 100% principal protection with the opportunity to earn a return linked to the performance of selected baskets of securities, making it suitable for investors seeking growth potential without risking their original investment. Depending on the selected investment option, Guarantee Advantage may provide a guaranteed minimum return at maturity together with the potential for additional market-linked growth within predetermined limits. The investment carries no management fees, requires a minimum investment of $500 and is available in eligible registered and non-registered plans, including RRSPs, TFSAs and RRIFs. As an insurance contract issued by a life insurer, it also provides a 100% death benefit guarantee, allows beneficiary designation for faster transfer of proceeds outside the estate where applicable, and may offer creditor protection in eligible circumstances. Investment terms, participation rates, return calculations, surrender provisions and product availability are determined by the applicable campaign and contract terms established by Desjardins.

• Redeemable Savings

  Redeemable Savings is a guaranteed investment product designed for individuals who want to earn a guaranteed return while maintaining the flexibility to access their money before maturity. It is suitable for short-term financial goals where capital preservation and liquidity are both important. The principal investment is guaranteed, and interest is earned at a fixed rate according to the product terms. Unlike non-redeemable term investments, Redeemable Savings allows investors to redeem their investment before the maturity date, subject to the applicable conditions. Depending on the selected account type, this investment may be held in eligible registered and non-registered plans. Interest rates, redemption conditions, eligibility requirements and investment terms are determined by Desjardins and may change over time.

• Non-Redeemable Term Investment

  Non-Redeemable Term Investment is a guaranteed fixed-term investment that provides a guaranteed interest rate for a predetermined investment period in exchange for keeping the invested funds locked in until maturity. It is designed for individuals seeking capital preservation and predictable returns over a fixed term. The principal and the agreed interest rate are guaranteed when the investment is held until the maturity date. Because the investment is non-redeemable, funds generally cannot be withdrawn before maturity except in circumstances permitted under the applicable contract. A variety of investment terms and interest payment options may be available depending on the selected product. Non-Redeemable Term Investments can be held in eligible registered and non-registered plans, including RRSPs, TFSAs, RRIFs and FHSAs. Minimum investment requirements, available terms, interest rates and other conditions are subject to the terms and conditions established by Desjardins.

• Daily Interest Investment

  Daily Interest Investment is a guaranteed interest investment that provides daily interest earnings while allowing investors to maintain access to their funds. It is designed for individuals seeking a secure place to hold short-term savings without committing to a fixed investment term. Interest is calculated daily and paid according to the applicable product terms. Funds remain available without the long-term commitment associated with traditional term investments, making this product suitable for managing temporary cash balances, emergency savings or funds awaiting future investment. Daily Interest Investment offers capital preservation together with liquidity and may be held in eligible registered and non-registered plans, including RRSPs, TFSAs, RRIFs and FHSAs. Interest rates, minimum investment requirements, eligibility and other product features are subject to the terms and conditions established by Desjardins.

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  Responsible Retirement Annuities

  Responsible Retirement Annuities are guaranteed retirement income solutions offered by Desjardins Financial Security Life Assurance Company that combine retirement income planning with responsible investing principles. They are designed for individuals who want to receive predictable retirement income while supporting investments that incorporate environmental, social and governance (ESG) considerations. These annuities provide guaranteed retirement income based on the selected contract terms and payout options. The underlying investments are managed using responsible investment criteria, integrating ESG factors into the investment process while maintaining long-term financial objectives. Depending on the selected annuity option, clients may choose different payment periods and beneficiary arrangements to meet their retirement planning needs. Eligibility, payment options, guarantees, contract provisions and investment management are subject to the applicable terms and conditions established by Desjardins Financial Security.

• DFS Transition Account

  DFS Transition Account is a capital preservation investment account offered by Desjardins Financial Security Life Assurance Company. It is designed to temporarily hold investment assets while clients decide on a long-term investment strategy or while assets are being transferred between eligible investment options. The account is intended to provide stability, liquidity and daily interest on deposited funds while maintaining a low level of investment risk. Funds held in the Transition Account remain available for transfer to other eligible investment options offered by Desjardins Financial Security, subject to the terms of the applicable contract or retirement savings plan. Interest is credited in accordance with the product provisions, and the account is commonly used as a temporary holding option rather than a long-term investment solution. Eligibility, interest rates, transfer rules and account features are governed by the applicable Desjardins Financial Security contract and plan provisions. The investment guarantees the return of the principal at maturity, provided the investment is held for the full term. Potential returns are based on the performance of the selected market index or investment strategy and are calculated according to the participation rate, maximum return and other product terms established by Desjardins. Investors do not directly own the underlying securities or market indexes. Guarantee Advantage may be available within eligible registered and non-registered investment accounts. Investment terms, guarantees, return calculations and eligibility are subject to the applicable contract terms and conditions established by Desjardins.

• Travel Insurance

  Travel Insurance from Desjardins Insurance helps protect you against unexpected events before and during your trip. Depending on the plan selected, coverage may include emergency medical expenses, trip cancellation, trip interruption, baggage loss or delay, flight accidents, and other eligible travel-related expenses. Whether travelling within Canada or internationally, Desjardins offers flexible travel insurance solutions for individuals, couples, families, and frequent travellers, helping you travel with greater peace of mind.

• Group Insurance

  Group Insurance is a group employee benefits solution offered by Desjardins Financial Security Life Assurance Company. It is designed to help employers provide financial protection, health coverage and wellness benefits to employees and eligible dependants through a comprehensive workplace benefits program. Group Insurance plans may include Life Insurance, Accidental Death and Dismemberment (AD&D) Insurance, Extended Health Care, Dental Insurance, Disability Insurance, Critical Illness Insurance, Travel Insurance and Employee Assistance Programs (EAP), depending on the selected plan. Coverage, eligibility, benefit amounts and optional features are determined by the employer's group contract. Desjardins also provides digital tools, claims services and health support resources to assist plan members in managing their benefits. All coverage is subject to the terms, conditions, limitations and exclusions of the applicable group insurance contract.

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