A Host of Term Life 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 RatesPreferred 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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