Indepedent Living: Total Long-term Care
Harmony: Critical illness insurance
Harmony New Generation: Critical illness insurance for children

Independent Living: Total Long-term Care

Spare your family and friends the physical and financial hardships associated with a loss of independence all the while preserving your assets and retirement savings.

Tender Loving Care for your physical and financial  well-being... with Independent Living  With Independent Living you can: Receive a tax-free monthly benefit Have the freedom to use the benefit as you wish (no receipts required) Receive the level of care needed for your condition, at home or in a specialized facility Replace income lost by family or friends who provide you with tender loving care.

This protection also offers free assistance services (PDF, 123kb), including Best Doctors, that guide you day by day and through difficult times.

To learn more about Independent Living

Call 1-877-438-7656 now to talk to a Desjardins Financial Security Independent Network representative, or refer to the Independent Living brochure (PDF, 221 Mb).

Harmony: Critical illness insurance

Thanks to medical advances, more and more Canadians are now surviving heart attacks, cancer and strokes. But for a serious illness, you want the best treatment available, without delay. Will you be able to get the help you need without compromising your lifestyle, your savings and your retirement?

Harmony guarantees you cash when you need it most! In the event of a critical illness: You will receive between $25,000 and $2,000,000, tax-free.* In the event of death: Your beneficiary will receive a refund of the premiums paid, tax-free. If no claim has been made at policy maturity: You will receive a refund of your premiums, tax-free.*

This protection also offers free assistance services (PDF, 123kb), including Best Doctors, that guide you day by day and through difficult times.

To learn more about Harmony

Call 1-877-738-7656 now to talk to a Desjardins Financial Security Independent Network representative**, or refer to the Harmony brochure (PDF, 297 Mb). 

* In accordance with the insurance amount and the term of the policy contract.
** Registered as a "financial security advisor" in the province of Québec.

Harmony New Generation: Critical illness insurance for children

Harmony New Generation guarantees tax-free money when you need it most! If your child is diagnosed with a critical illness: You will be able to take time away from work and family obligations to be at your child's side when you are needed most. If your child were to die prematurely: You will be able to give your family what they need most: time with you, as you deal with the most difficult period of your life.

In all likelihood your child will remain healthy...

If your child remains healthy, you will receive tax-free cash equivalent to the premiums paid to:
 

• Pay for higher education
• Purchase a new first home
• Start a new business
• Relocate to a job
• Fulfill your child's dreams, and your dreams too!
   

Harmony New Generation covers up to 31 critical illnesses!

Specific for children...

• Autism
• Cystic fibrosis
• Rett syndrome
• Type 1 diabetes
• Cerebral palsy
• Muscular dystrophy
    

...and forever

• Cancer
• Bacterial meningitis
• Major organ transplant and major organ failure while on waiting list
     

This protection also offers free assistance services (PDF, 123kb), including Best Doctors, that guide you day by day and through difficult times.

To learn more about Harmony New Generation

Call 1-877-738-7656 now to talk to a Desjardins Financial Security Independent Network representative*. 

* Registered as a "financial security advisor" in the province of Québec.

Desjardins Financial Security Independent Network

Desjardins Financial Security also distributes insurance and savings products through independent financial advisors. This network consists of over 3,000 professional advisors in all provinces from coast to coast.