Desjardins Critical Illness Insurance Solutions in Ontario
Protect your family with critical illness insurance solutions designed for Ontario households. Whether you need affordable term coverage, lifetime protection with cash value, or a lump-sum benefit for serious illnesses, Desjardins offers trusted, flexible options that grow with you.
Licensed Advisors
Toronto Based
Trusted Partners
Why Choose Critical Illness Coverage?
- Mortgage Protection: Keep your family in their home.
- Income Replacement: Maintain your family’s lifestyle.
- Estate Planning: Build lasting wealth for generations.
- Critical Illness Coverage: Financial protection against unexpected health conditions such as cancer, heart attack, or stroke
Protection Made Simple in Ontario
Life changes fast; your insurance should keep up. Whether you’re growing your family, buying a home, or planning for retirement, we guide you through every step. Our advisors provide access to Desjardins Critical Illness Insurance, two of Canada’s most reliable protection solutions.
Choose Your Protection Plan
From affordable term coverage to permanent wealth-building policies and critical illness coverage, find the perfect fit for your family’s needs and budget.
Understanding Desjardins Term Critical Illness Insurance Options
Affordable, Flexible Protection
- Term 10: Lowest cost per applicant; considers health & lifestyle; includes competitive renewal rates and optional add-ons.
- Term 20: Same features as Term 10 with 20-year coverage duration.
- Term 30: Same features as Term 10 with 30-year coverage duration.
- Term to 65: Designed for income replacement or mortgage protection; ideal for young professionals and families; access to personalized premium structures
Permanent Policies with Long-Term Value
Lifetime Protection + Growth
Permanent critical illness insurance lasts a lifetime and may build cash value. Desjardins offers several options depending on your goals, wealth transfer, retirement planning, tax-efficient growth, or long-term protection with optional illness riders.
Your Permanent Insurance Choices
- Whole Critical Illness Insurance: Lifetime coverage with guaranteed premiums
- Participating Critical Illness Insurance: Earn dividends that can increase cash value or death benefit over time.
- Universal Critical Illness Insurance: Flexibility Premium flexibility + investment options for long-term planning.
Desjardins Critical Illness Insurance
Financial Protection When You Need It Most
A critical illness diagnosis can change everything. Desjardins Critical Illness Insurance provides a tax-free lump sum you can use for:
- Medical treatments not covered by OHIP
- Income replacement during recovery
- Childcare or household support
- Paying down debt or maintaining lifestyle stability
This coverage helps remove financial stress so you can focus on healing.
Why Toronto Families Trust DFSIN
As independent brokers, we bring you the best of both worlds: personalized local service and access to Canada’s top insurance providers, including Desjardins.
Get Your Personalized Quote Today
Take the first step towards protecting your family’s future. Our licensed advisors will help you find the perfect Desjardins critical illness coverage, including:
