Additional coverage
Desjardins Insurance offers you the option to tailor your policy by including additional coverage21 to increase your financial security and meet your specific needs.
Accident
Pays a benefit if you die or sustain a fracture, dismemberment or loss of use of one or more limbs (hand, foot or eye) due to an accident.
Accidental fracture
Pays a lump-sum amount if you’re the victim of an accident and sustain a fracture to any bone. The amount varies depending on which bone is fractured.
Accidental dismemberment or loss of use
Pays a percentage of the insurance amount if you’re dismembered as a result of an accident. The percentage varies based on the type of loss.
Accidental death, dismemberment or loss of use
Pays a percentage of the insurance amount if you die or are dismembered as a result of an accident. The percentage varies based on the type of loss. 100% is payable in the event of accidental death.
Children's life protection
Pays a term life insurance amount if one of your children dies. This covers all your children from 15 days to 25 years of age and includes the option to convert the coverage to a permanent life insurance policy for up to 5 times the selected basic amount without evidence of insurability.
Children’s accidental fracture
Pays a benefit if one of your children sustains a fracture as a result of an accident. Children are covered from 15 days to 25 years of age.
Guaranteed insurability benefit
Allows you to purchase additional insurance amounts without evidence of insurability. This is an ideal way to protect your insurability and the insurability of any other insureds.
Business insurability coverage
Lets the owners of a growing business to purchase an additional insurance amount based on the increase in the fair market value of their company, without having to provide evidence of insurability. This coverage provides the option to purchase additional life insurance up to 3 times the business insurability coverage amount during the first 10 years of the policy.
Disability waiver of premiums
Waives the policy premiums if you become totally disabled for more than 6 months before age 60.
21 See the policy for information on each coverage and their respective limitations and exclusions.