Harmony New Generation

​If your child is diagnosed with a covered critical illness, Harmony New Generation will pay a tax-free lump-sum benefit ($25,000 to $250,000).

With this money, you can make choices that wouldn't otherwise be possible, like:

  • Taking time off work to be with your child
  • Maintaining your standard of living
  • Travelling to get medical care

Is this coverage right for you?

If you want coverage that will protect you when a child between the ages of 30 days and 17 years becomes seriously ill, look no further!


  • If your child stays healthy, you'll get a premium refund, which means if your child needs financial help down the road, you can be there
  • You can choose to pay critical illness insurance premiums for just 20 years and get lifelong coverage for your child
  • Benefit between $25,000 to $250,000
  • Covered illnesses:
    • Childhood diseases
      • Autism
      • Cystic fibrosis
      • Rett's syndrome
      • Cerebral palsy (optional)
      • Muscular dystrophy (optional)
      • Type 1 diabetes (optional)
    • Critical illnesses
      • Alzheimer's disease
      • Aortic surgery
      • Aplastic anemia
      • Bacterial meningitis
      • Benign brain tumour
      • Blindness
      • Cancer
      • Coma
      • Coronary artery bypass surgery
      • Deafness
      • Heart attack
      • Heart valve replacement
      • Kidney failure
      • Loss of independence
      • Loss of limbs
      • Loss of speech
      • Major organ failure (on waiting list)
      • Major organ transplant
      • Motor neuron disease
      • Multiple sclerosis
      • Occupational HIV infection
      • Paralysis
      • Parkinson's disease
      • Severe burns
      • Stroke

How can I get this insurance?

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

Call 1-866-838-7553 or fill out the online form

Insuring insurability

Reh Bhanji from Desjardins Insurance spoke to Canadian Better Living TV about this innovative idea. Buying a permanent critical illness insurance policy for your children today is the smart way to give them a financial head start in life. Coverage can begin as early as 30 days old and guarantees that they will be insured against a serious illness for life. It’s called "insuring insurability".