Be a bigger part of your clients’ growth
Be a bigger part of your clients’ growth
Be a bigger part of your clients’ growth
Explore our Par Life Products with Additional Deposit Option
For Advisor use only
With Desjardins Insurance as a trusted partner, you can become a significant part of your clients’ growth and help them build wealth that can potentially last.
Our extensive range of Par Life products with Additional Deposit Option and our 6.3% Par Life dividend scale interest rate lets you meet the diverse needs of your clients.
Explore our Par Life Products with Additional Deposit Option
For Advisor use only
With Desjardins Insurance as a trusted partner, you can become a significant part of your clients’ growth and help them build wealth that can potentially last.
Our extensive range of Par Life products with Additional Deposit Option and our 6.3% dividend scale lets you meet the diverse needs of your clients.
Participating Life Insurance that drive opportunity
Desjardins Insurance’s participating whole life insurance offers beneficial solutions for various types of clients, especially families, high-net-worth clients, and business owners. It’s designed to help them grow their estate value and benefit from higher cash surrender values. Three products are offered:
- Accelerated Growth helps your clients yield higher medium-term dividends.
- With Estate Enhancer, you can help them maximize their long-term death benefits.
- 5 Pay PAR is a unique product in Canada with a guaranteed 5-year premium payment period, allowing your clients to complete their payments faster than ever.
To ensure the well-being and financial security of your clients, our Par Life dividend scale interest rate remains at 6.3%.
Our flexible and tax-efficient Additional Deposit Option (ADO)
Unlock new opportunities for your business with our Participating Life products, offering a flexible Additional Deposit Option (ADO) available for Accelerated Growth and Estate Enhancer to serve the specific insurance needs of your clients and community.
- Support your clients in maximizing their Participating Life policy by leveraging additional deposits for more paid-up additions (beyond those purchased with dividends). This can potentially increase both the policy’s cash surrender value and death benefit.
- Clients can stop and restart their deposit at their convenience to match their financial capacity and insurance needs.
- Our ADO maximum annual amount is easy to explain to your clients – the sum of the deposits made during the first policy year determines the permitted annual deposit for the following years.
- Our annual statement makes it easier to understand the ADO amount that the client can deposit, and with an educational component that explains the dividend scale and how cumulative paid-up additions are calculated.
Our flexible and tax-efficient Additional Deposit Option (ADO)
Unlock new opportunities for your business with our Participating Life products, offering a flexible Additional Deposit Option (ADO) available for Accelerated Growth and Estate Enhancer to serve the specific insurance needs of your clients and community.
- Support your clients in maximizing their Participating Life policy by leveraging additional deposits for more paid-up additions (beyond those purchased with dividends). This can potentially increase both the policy’s cash surrender value and death benefit.
- Clients can stop and restart their deposit at their convenience to match their financial capacity and insurance needs.
- Our ADO maximum annual amount is easy to explain to your clients – the sum of the deposits made during the first policy year determines the permitted annual deposit for the following years.
- Our annual statement makes it easier to understand the ADO amount that the client can deposit, and with an educational component that explains the dividend scale and how cumulative paid-up additions are calculated.
Learn more:
Webinars
Stay ahead of the curve Join our Additional Deposit Option Webinars
These sessions can help deepen your understanding of Additional Deposit Option and how you can incorporate it with PAR products. You can learn valuable insights on competitive positioning and practical strategies for integrating ADO into estate and retirement planning, business owner strategies and more. Plus, these webinars are a great way to get your CE credits*.
Available on demand Flexibility for your Clients: Desjardins Insurance Additional Deposit Option, with Rehan Bhanji, Brent Swatuk, and David Lee
Available on demand Limitless Potential: Actuarial Strategies for PAR Life Growth, with Rehan Bhanji and Nitin Bansal (IDC)
Available on demand Additional Deposit Option Deconstructed, with Brent Swatuk and Nitin Bansal (IDC)
Click below to join the webinars in Mandarin:
*2 presentations are awaiting accreditation approval and may allow you to obtain 1 CE credit.
Explore our Par Life Products with Additional Deposit Option
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Desjardins Insurance. Business growth driven by community-first solutions.
Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Desjardins®, Desjardins Insurance®, all trademarks containing the word Desjardins, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence. 200 Rue Des Commandeurs, Lévis QC G6V 6R2 / 1-866-647-5013