Participating whole life insurance

​With participating whole life insurance, you get lifetime insurance coverage with flexible, tax-efficient dividend options to grow your estate significantly or access cash when you need it.

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November 29, 2022 (1 min 35 s)

Note: The information in brackets describes the audio and visual content of the video that is not dialogue or narration.

[Background music]

[An animated man and woman stand together.]

What if you could have a permanent life insurance coverage that offers guarantees and the opportunity for balanced and stable growth over time?

[An arrow rises behind the couple and a shield bearing a heart appears beside them. Two arrows rise on either side of the first arrow. The shield moves in front of the couple, capturing their faces inside the heart.]

[On-screen text: The guarantees include: Premiums, basic insurance amount, enhance insurance has lifetime guarantee, guaranteed cash surrender values.]

With Participating Whole Life by Desjardins Insurance, you receive just that!

[A dark green background appears behind the shield.]

[On-screen text: Participating Whole Life by Desjardins Insurance]

This flexible solution is the right choice if you want to maximize the value of your estate plan, have access to cash values during your lifetime, and flexibility to adapt your coverage options as your needs evolve.

[A smiling teenage boy holding a skateboard and a smiling girl wearing a backpack appear on either side of the shield. Two lines flow from the parents to the children while the shield expands and contracts. The lines disappear, replaced by 2 arrows rotating around the shield.]

[On-screen text: Tax consequences are to be expected.]

Desjardins Insurance's Participating Whole Life Insurance grows with you as you reach key milestones in your life.

[The smiling couple stands in an office. Then, they stand in a living room with the children and a black and white cat. Later, the now grey-haired couple holds hands in front of a log cabin in a forest in autumn.]

It's insurance protection that's built on a foundation of guarantees, starting with guaranteed premiums that won't change. You can name a charity or a loved one for the death benefit.

[A lock appears next to the shield bearing the heart.]

[The lock disappears behind the shield. A hand plucks the heart off the shield and then sets it between a circle featuring the smiling children and a circle featuring a white house over a smaller heart.]

[On-screen text: Guaranteed premiums.]

You can have peace of mind knowing you have lifetime insurance coverage and the chance to earn dividends.

[The sun and clouds drift above the smiling couple as they stand in the middle of a road. A shield bearing a heart stands at one end of the road. Two side roads extend in opposite directions.]

If you choose to access the cash values in your policy or receive the dividends in cash, they can be used in different ways like providing a financial foundation for your children and grandchildren, help buy your first home, or supplement your retirement income.

[The shield bounces and rotates as stacks of money appear at the ends of the roads. A circle featuring the smiling children appears at the end of one side road. Then, money at the end of the other side road moves to the end of the main road, replaced by a house with a pool.]

[On-screen text: Taxation may occur depending on the dividend option and the amount of the policy’s adjusted cost basis.]

With Participating Whole Life by Desjardins Insurance, you have the option to choose to pay your premiums in 5, 10, 20 years or up to age 100.

[The couple stands together. The shield bearing the heart appears in the middle.]

[On-screen text: 5, 10, 20 years]

[The aged couple appear on the left while the shield moves to the right.]

[On-screen text: 100 years]

[On-screen text: Age and insurability qualifications required. To know more about the guarantees involved in this product, please contact your financial advisor.]

You worked hard to build a legacy for yourself and your loved ones. Desjardins Insurance can help you grow and protect it.

[The couple and their children pose in front of the shield with the heart in front of a background. The woman holds the cat.]

To find out if this is the right solution for you, visit

[Desjardins logo]

[Desjardins jingle]

[On-screen text: Desjardins Insurance® refers to Desjardins Financial Security Life Assurance Company. Desjardins Insurance and its logo are trademarks of the Fédération des caisses Desjardins du Québec used under licence.]

End of transcript

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