Harmony^® Consumer's Critical Illness T10/T20

Consumer's Critical Illness Term 10, Term 20 - Lose your mortgage payments… not your home!

Consumer's Critical Illness (CI) Term 10 (T10) and Term 20 (T20) offer simple and affordable insurance against covered critical illnesses for a set period (10 or 20 years).

Are these coverages right for you?

Harmony Consumer's CI Term 10 and Term 20 are right for:

Homeowners between the ages of 25 and 45 who want their mortgage payments to be covered in case of a critical illness
Business owners between the ages of 25 and 45 who've got a line of credit or commercial loan and want to keep their business running in the event of the unexpected
People with financial responsibilities who are looking for affordable insurance to make sure they're covered in case of a critical illness
People who want to protect their family and their home

Features

Choose a coverage amount between $25,000 and $2,000,000 and receive a tax-free lump-sum benefit payable 30 days after you're diagnosed.
You might be eligible for our simplified issue option if you're between the ages of 18 and 65 and answered "No" to the 7 medical questions on our brief questionnaire. We still have to look into all the usual things, but your insurance policy can be issued faster.
Covered illnesses:
- Blindness
- Cancer
- Coronary artery bypass surgery
- Deafness
- Heart attack
- Kidney failure
- Loss of speech
- Loss of limbs
- Multiple sclerosis
- Stroke
You also get free access to a Legal Assistance service. So you can speak directly with a lawyer if you need legal advice.

How can I get this insurance?

Talk to a Desjardins Financial Security independent advisor with SFL Partner of Desjardins Financial Security who will assess your financial needs today and help you ensure your financial security.

Complete the Please have a representative contact you OR
Call 1-866-838-7553

FAQ

How the premium calculated?

The premium is calculated based on the Consumer's CI coverage amount you've selected and:

Your age
Your sex
Whether you're a smoker or non-smoker
Your general state of health
Your family history

The premium is level and guaranteed for the entire period selected (10 or 20 years).

If you're applying for Consumer's CI coverage of $75,000 or less, you can use our simplified issue process (no medical exam). Just answer 7 questions to see if you qualify for the coverage you want!

Which option is right for me?

A critical illness needs assessment will help you determine how much money you'd need if you or a family member were diagnosed with a serious illness. The proposed solution will be in line with your coverage needs and budget.

Am I eligible?
- If you're between the ages of 18 and 55 for T20 or between the ages of 18 and 65 for T10, you're eligible.

How much insurance can I take out?

You can take out coverage amounts from $25,000 to $2,000,000. These coverages offer a tax-free benefit after you've survived the diagnosis of 1 of the 10 covered critical illnesses for 30 days.

You can also top up your fixed coverage amount with additional benefits (e.g. Accidental Fracture, Accidental Dismemberment).

Are these coverages for while I'm living?

Yes, absolutely! With these coverages, if you survive for 30 days after the diagnosis of 1 of the 10 covered critical illnesses, you'll get a benefit payment. You can use this benefit to get healthy again without having to worry about your finances. If you choose the Return of Premiums at Death option, all the premiums you've paid will be refunded, as long as you've never received a critical illness benefit.

Can I make changes to my policy later on? Will I be penalized?

You can adjust your Consumer's CI coverage amount based on your changing coverage needs and budget. Fees apply if you want to increase your coverage amount (subject to certain medical considerations), but there's no penalty for reducing it.

This text is for information purposes only. Refer to your policy for all conditions, exclusions and restrictions.

Image - Call us 1-866-838-7553

Where to find us?
Meet a representative
- Please fill out the following fields in red:
  
  We will contact you for an appointment.
  
  Fields marked with an asterisk (*) are mandatory.
  
  select
  
  Mr.
  Mrs.
  
  select
  
  Alberta
  British Columbia
  Manitoba
  New Brunswick
  Newfoundland and Labrador
  Nova Scotia
  Ontario
  Prince Edward Island
  Quebec
  Saskatchewan
  
  DaysEvenings
  
  690d3371-71d4-423b-a462-0b48f2e14bf4