Life 10, Life 20 and Guaranteed Whole Life permanent insurance

Looking for life insurance that offers a few extras? Life 10, Life 20 and Guaranteed Whole Life can be topped up with guaranteed cash surrender values.

Premiums are levelled and guaranteed – so they'll never go up!

Are these coverages right for you?

Life 10, Life 20 and Guaranteed Whole Life are right for you if:

You're looking for lifelong coverage
You want to make it easier to manage your budget with fixed payments

Features

	Life 10	Life 20	Guaranteed Whole Life
General	Coverage for life
Premiums	10-year payment period	20-year payment period	Level premiums
Benefits	Premiums paid up faster to free up cash for other projects		Lower monthly payments
Optional benefits	Stop paying your premiums if you become disabled Get a benefit in case of: Accidental Fracture Accidental Death or Dismemberment Children's Accidental Dismemberment Children's Accidental Fracture Guaranteed Cash Surrender Value Maintain the option of increasing your coverage amount regardless of your state of health Insure your children under your policy Cover your mortgage and any RV or boat loans in case of disability

You can choose coverage amounts of $10,000 to $5,000,000
You also get free access to a Legal Assistance service so you can speak directly with a lawyer if you need legal advice.

	Life 10	Life 20	Guaranteed Whole Life
Paid-up insurance	If you stop paying premiums before the end of the payment period, you keep a portion of the initial insurance amount.
	Available as of the 5^th year	Available as of the 5^th year	Available between the 1^st and 9^th years (based on age and sex)
Cash surrender value	If you need to reduce or cancel your coverage, you can get some of your premiums back (cash surrender value). The cash surrender value increases each year and can exceed 100% to 200% of the total premiums paid (subject to taxes).
	Available as of the 5^th year	Available as of the 5^th year	Available between the 1^st and 9^th years (based on age and sex)
Cost	Life insurance premiums are based on age, health, personal needs and optional benefits, so they're different for everyone. Your financial advisor is the best person to help you assess your financial needs and calculate how much your insurance will cost.

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

How much does it cost?

Premium are based on

Your age
Your sex
Whether you're a smoker or non-smoker
The amount of insurance and the type of coverage you choose

The cost varies from one person to the next. Your financial advisor is the best person to help you assess your financial needs and calculate how much your insurance will cost.

Am I eligible?

If you're a Canadian resident and you meet the insurability criteria, you're eligible! We determine whether you're insurable based on how old you are, how much insurance you want to take out, your lifestyle, and your family and medical history.

How much insurance should I take out?
- The amount of insurance you should take out depends on your needs. Your financial advisor can assess your financial needs so you'll know exactly how much insurance is right for you.

What if my needs change?

If you stop paying your premiums before the end of the payment period, your coverage will be reduced. This means you'll still be covered for life, just for a lesser amount.

And if something unexpected happens, you'll have a financial cushion to fall back on.

If you surrender your policy, you can receive a portion of the premium paid.*

* Taxes may apply.

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

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