Additional coverage
Desjardins Insurance offers you additional coverage13 to increase your security and meet your specific needs..
Guaranteed insurability benefit
Allows you to purchase additional insurance amounts without evidence of insurability. This is an ideal way to protect your own insurability and that of other insureds.
Business insurability coverage (BIC)
Allows business owners of a growing business to purchase additional life insurance coverage based on the increase in the fair market value (FMV) of their company, without having to provide new evidence of insurability. This coverage makes it possible to purchase additional life insurance up to 3 times the BIC amount during the first 10 years.
Disability waiver of premiums
Waives the policy premiums if the insured or policyowner is diagnosed with a total disability. The disability must occur before age 60.
Accident
Pays a benefit in the event of death, fracture, dismemberment or loss of use due to an accident.
Accidental fracture
Pays a lump-sum amount if the insured suffers a fracture to any of their bones as a result of an accident. The amount varies depending on the bone fractured.
Accidental dismemberment or loss of use
Pays a percentage of the coverage amount if the insured loses a limb in an accident. The percentage varies based on the loss incurred.
Accidental death, dismemberment or loss of use
Pays a percentage of the coverage amount if the insured dies or loses a limb in an accident. The percentage varies based on the loss incurred and is 100% in the event of accidental death.
Children's life protection
Pays a term life insurance amount upon the death of one of the insured's children. It covers all children up to age 25 with a conversion privilege up to 5 times the selected basic amount.
Children's accidental fracture
Pays a benefit if one of the insured's children suffers a fracture as a result of an accident. Current and future children are covered from 15 days to age 25.
13 Refer to the contract clauses for the benefits, limitations and specifics associated with each coverage.