Which type of life insurance or product is right for you?

Term life insurance	Permanent life insurance	Universal life insurance

Provides coverage for a set period of time.	Provides lifetime coverage.	Provides lifetime coverage and a tax-free savings opportunity.
Find out more about Term life insurance	Find out more about Permanent life insurance	Find out more about Universal life insurance

Features

Term life insurance	Permanent life insurance	Universal life insurance
Meets short-term needs (e.g., while your children are growing up or you're paying off your mortgage).	Meets long-term needs (e.g. to leave your loved ones an inheritance).	Meets long-term needs (e.g. to leave your loved ones an even bigger inheritance).
Pay coverage for a set period of time with fixed premiums.	Pay fixed premiums for the duration of the policy or pay in full over a set period of time (e.g. 10 or 20 years).	Premiums may vary depending on the type of coverage. You choose how much you want to save tax-free. This amount is deposited into the investment options you've selected.
Doesn't include a savings component.	Doesn't include a savings component.	Includes a savings component.
Can be renewed at the end of the policy period. Cost is then adjusted for a new term.	Lasts your whole life so you don't need to renew it.	Lasts your whole life, but lets you add or change coverages as your needs change.
Can be converted to permanent or universal life insurance.	Can't be converted.	Some coverages can be converted.
Can be combined with health insurance.	Can be combined with health insurance.	Can be combined with health insurance.

Products

Term life insurance	Permanent life insurance	Universal life insurance
Enhanced Term 10 2 coverages in 1: life and critical illness insurance. Term 10 and Term 20 A choice of 2 terms: 10 years (Term 10) or 20 years (Term 20). At the end of the policy period, you can convert your term coverage into permanent insurance without having to provide proof of good health. Vision Death Coverage Pick the term that's right for you (7, 10, 12, 20 years, etc.). Vision Death Coverage - Monthly Income Make sure your loved ones have money coming in each month in the event of your death. Vision Partner Buy - Out Coverage If you're a business owner, you can get the cash you need to buy back your partner's shares in the event of disability or death.	50+ Life Insurance If you're between the ages of 50 and 75, you can be insured immediately, without a medical exam! Life 10, Life 20 and Guaranteed Whole Life Pay fixed premiums for your coverage. Guaranteed surrender values. MAXLife Pay fixed premiums for your coverage. No surrender value. Savings - Life Insurance If you have a Desjardins savings account, you can take out this affordable life insurance to cover your basic needs. Vision Death Coverage Choose to pay a fixed premium or premiums that increase over time. You can also add a healthcare benefit to this coverage. Vision Duo Solution This solution covers you for life and combines the benefits of life AND critical illness insurance. Plus, you can choose to make payments for 10 or 20 years, or up to age 100. Guaranteed surrender values. Vision Paid - Up Death Coverage Choose to pay premiums for 10 or 20 years, or up to age 100. Guaranteed surrender values.	PACE Adjust your policy and add coverages or insureds, penalty-free. This coverage offers a variety of investment options available on the market. Vision Death Coverage with Savings Adjust your policy and add coverages or insureds, penalty-free. This coverage offers a variety of investment options, including Desjardins Funds.

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