Enhanced Term 10 Insurance

Image - Enhanced Term 10 - Double up! Cover yourself for life and critical illness!

Looking for comprehensive insurance coverage? Enhanced Term 10 offers a unique combination of life and critical illness insurance. Protect your assets and your standard of living with of a critical illness insurance, and set life insurance, at the sametime.

If you're diagnosed with a covered critical illness, you can opt to receive a lump-sum payment during your lifetime.

Is this coverage right for you?

Enhanced Term 10 is right for you if you want to:

Ensure the financial security of your loved ones in the event of your death
Protect your financial security if you're diagnosed with a covered critical illness
Benefit from indispensable and affordable bundled coverages

Features

With Enhanced Term 10, you get:

Flexible coverage that's adapted to your personal choices and your budget
A tax-free lump-sum benefit that's paid immediately following diagnosis of a covered critical illness
Covered illnesses:
- Alzheimer's disease
- Benign brain tumour
- Blindness
- Cancer
- Coma
- Coronary artery surgery
- Deafness
- Heart attack
- Kidney failure
- Loss of limbs
- Loss of speech
- Major organ failure (on waiting list)
- Major organ transplant
- Motor neuron disease
- Multiple sclerosis
- Occupational HIV
- Paralysis
- Parkinson's disease
- Severe burns
- Stroke

How can I get this product?

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?

Premiums 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

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.

Can I extend my coverage?

Absolutely! After 10 years, you can renew your coverage without having to provide proof of good health. And since your premium is guaranteed, it'll be the same as when you signed the initial contract.

You can also convert the life insurance portion into permanent coverage at any time without having to provide proof of good health.

Can I choose how much I want to receive if I'm diagnosed with a covered critical illness?

Of course! You can indicate how much of your insurance (between 15% and 100%*) you want to receive in the event of a covered critical illness. Enhanced Term 10 is flexible insurance that can be adapted to your needs.

If the benefit paid for a covered critical illness is less than 100% of your coverage amount, your heirs will receive the balance when you die
If the benefit paid for a covered critical illness is equal to 100% of your coverage amount, your coverage will end

* $25,000 minimum

If I'm diagnosed with a covered critical illness, how long will it be until I get my benefit payment?
- There's no wait! You'll receive your benefit as soon as you're diagnosed.

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

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