Permanent life insurance
Insurance that lasts a lifetime, no matter your age or how your health changes.
Find out which coverage is best for you and get an online quote.
What is permanent life insurance?
Permanent life insurance, which includes whole life insurance, covers you for your entire life. As long as you pay your premiums, your policy won't expire—even if your health changes.
Over the long run, it's more cost-effective than term insurance, which covers you for a set period of time.
Is permanent life insurance worth it?
When you take out permanent life insurance, you can rest easy knowing that your loved ones will receive financial support after your death. The tax-free payment can help them cover expenses and give them financial security.
Cover final expenses
Funeral costs, taxes, etc.
Leave an inheritance for your family
A way to build your estate.
Give to a cause
And make a difference to an organization you care about.
Features
Payment period options
Pay your premiums for 10, 15, or 20 years, or up to age 65 or 100.
Fixed premiums
Count on a premium that won't change during the payment period.
Cash out options
Get back a portion of the premiums paid if you have to reduce or end your coverage.
Advantages of permanent life insurance
Cash surrender value
You can cash out your policy as of the fifth year.
Reduced paid-up insurance
You can stop paying your premiums as of the eighth year and still be covered.
Coverage options
You can top up your coverage with a critical illness or long-term care advance
Critical Illness Advance
If you're diagnosed with a serious illness that's covered like cancer, heart disease or an infectious disease, this coverage helps you pay for expenses. That way, you can focus on getting better.
Long-Term Care Advance
If you're unable to care for yourself due to an accident, illness or your age, this coverage helps cover costs.
Additional coverages
Boost your protection with our add-ons.
- Accident
- Accidental death, dismemberment or loss of use
- Accidental dismemberment or loss of use
- Accidental fracture
- Business insurability coverage
- Children's accidental fracture
- Children's life protection
- Guaranteed insurability benefit
- Waiver of premiums in case of disability
Assistance services
If you're looking to get help with daily activities or support in difficult times, we're here for you. Access to services varies depending on your coverage.
Phone assistance
Call anytime for advice from a nurse on nutrition, vaccinations, the use of prescriptions drugs and other health matters.
Second medical opinion
Get a second opinion on a diagnosis from specialist physicians, who will review your medical record and history.
Autonomy assistance
Receive home care services to make day-to-day life easier for you and your caregivers if you lose your independence.
Home assistance
Get help planning home renovations, referrals for professional services or advice. We also offer a 24/7 emergency service.
Psychological assistance
Talk to a psychological health specialist, in person or on the phone, for help in hard times.
Multi-coverage discount
Get a reduced premium when you buy 2 or more eligible insurance coverages at the same time for the same policy.
Get a life insurance quote
By phone
Monday to Friday: 9 AM to 5 PM
1-866-838-7661 Phone number of Desjardins Insurance. This link opens your phone app.
We can also call you when it's convenient.