Did you know…
- 1 in 3 people will be diagnosed with cancer and 60% will survive more than 5 years?
- 1 in 4 people will suffer from heart disease and 95% will survive their first heart attack?
- 25% of repossessed homes are a result of borrowers who default on mortgage payments because of illness?
If you're diagnosed with a critical illness covered under our contracts, you'll get a benefit you can use however you want.
Are these coverages right for you?
Harmony products are right for you if:
- You're worried about not being able to cover the extra expenses you'd have if you were diagnosed with a critical illness
- You'd like to be able to focus on getting better instead of having to work to pay your bills
- You want access to treatments that aren't covered under your government health plan
- You've got children and risk running into serious financial problems if you had to take time off work if they were ill
Features
There are a number of different Harmony products to choose from:
Coverage amount between
$25,000 and $2,000,000
| Coverage amount between
$25,000 and $2,000,000
| Coverage amount between
$25,000 and $250,000
|
| 10 covered illnesses | 25 covered illnesses | 25 covered illnesses + 6 childhood diseases |
| Coverage duration: Renewable at the end of the period | Coverage duration: - To age 65
- To age 75
- For life
| Coverage duration: |
| Premium increases at each renewal | Level premium for the entire duration of the contract | Level premium for the entire duration of the contract, paid-up in 20 years or lifetime |
| Access to Legal Assistance | Access to Legal Assistance, Health Assistance, Psychological Assistance and Best Doctors® | Access to Legal Assistance, Health Assistance, Psychological Assistance and Best Doctors |
Premium refund: - At death: optional
- At contract maturity: not available
| Premium refund: - At death: included
- At contract maturity: optional
| Premium refund: - At contract maturity: included
|
Depending on the product you've selected:
- You can receive up to 100% of the premiums you've paid if you aren't diagnosed with a critical illness during the policy period
- You get access to Prompt Recovery services that provide you with free advice from a:
- You can take advantage of Best Doctors:
- The best specialists in the world will work with your attending physician to establish or confirm your diagnosis
- They'll also recommend the most effective treatment plan for your condition
- If you want to be treated abroad, you'll be referred to the best specialists
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.
Call 1-866-838-7553 or fill out the online form
FAQ