Desjardins’ Term Life Policies: A Host of Available Riders

Desjardins Insurance is the fourth largest life insurance company in Canada in terms of policies written; they are the largest in Quebec. They employ both a captive and an independent sales force.

Their Term 10 and Term 20 plans are offered with face amounts as low as $50,000, and the plans have a host of available riders, including disability insurance, accidental death or dismemberment coverage, accidental fracture coverage, coverage for the insured person’s spouse or children, guaranteed insurability, and a premium waiver in the event of disability.

Both plans are convertible without a medical to a permanent policy (i.e., a plan where the rates are level and the insured has lifetime protection).

Individuals who are in good health and have very good family health history can qualify for preferred rates; better yet, those in excellent health can get super preferred rates.

Below are examples of Desjardins’ Term 10 rates at $250,000 of coverage:

Insured………..Standard Rates:…Preferred Rates:
35-yr male N/S:…$20.25/month…….$16.43/month
45-yr male N/S:…$34.65/month…….$27.00/month
55-yr male N/S:…$76.05/month…….$58.50/month

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What Clients Say About LSM

life insurance testimonialsI work with LSM Insurance on the paramedical side of the industry. Quality Underwriting Services set...1 of 85Robbie GardnerRead more


  1. natalie winsor 08/06/2009 at 12:50 pm

    i’m interested in a life insurance policy for myself my husband and two minor children..can you send me some information on how to start this process..thank you

  2. LSM Insurance 08/06/2009 at 4:13 pm

    Hi Natalie,

    Thanks for the note. I will send you a seperate email shortly. Best Regards … Lorne

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