Desjardins Permanent Insurance Canada

Desjardins Permanent Insurance Canada

When planning for the future, securing a reliable insurance plan is crucial. In Canada, Desjardins Permanent Insurance stands out as a dependable option for those seeking long-term financial security. This article delves into the essentials of Desjardins Permanent Insurance Canada, offering an in-depth look at what makes it a prime choice for many Canadians. We’ll also touch on how Super Visa Insurance Monthly can complement your insurance needs.

Understanding Desjardins Permanent Insurance

Desjardins Insurance is a part of the Desjardins Group, the largest cooperative financial group in Canada. With a strong history dating back to 1900, Desjardins has built a reputation for trust and reliability in the financial sector. Their permanent insurance products are designed to provide lifelong coverage, ensuring peace of mind for policyholders and their families.

Key Features of Desjardins Permanent Insurance
  1. Lifetime Coverage: Unlike term insurance, which expires after a set period, Desjardins Permanent Insurance offers coverage for your entire life. This means your beneficiaries are guaranteed a death benefit, regardless of when you pass away, as long as premiums are paid.
  2. Cash Value Accumulation: One of the standout features of permanent insurance is its ability to accumulate cash value over time. A portion of your premiums goes into a savings component, which grows tax-deferred. This can be accessed through policy loans or withdrawals, providing financial flexibility in times of need.
  3. Fixed Premiums: With Desjardins Permanent Insurance, your premiums remain constant throughout the life of the policy. This predictability helps in long-term financial planning, as you won’t have to worry about premium increases as you age.
  4. Estate Planning: Permanent insurance is an effective tool for estate planning. The death benefit can be used to cover estate taxes, ensuring that your beneficiaries receive the maximum inheritance possible. It can also provide liquidity to settle any outstanding debts or obligations.
  5. Customizable Options: Desjardins offers various riders and add-ons to tailor the policy to your specific needs. These can include critical illness coverage, disability waivers, and accidental death benefits, enhancing the protection your policy provides.
How Super Visa Insurance Monthly Fits In

While Desjardins Permanent Insurance Canada offers comprehensive coverage, it may be beneficial to consider additional insurance options such as Super Visa Insurance Monthly. This insurance is specifically designed for parents and grandparents visiting Canada for extended periods under the Super Visa program. It provides the necessary medical coverage required for the visa, ensuring that your loved ones are protected during their stay.

Why Choose Desjardins Permanent Insurance?

Desjardins Permanent Insurance Canada stands out for several reasons:

  • Reputation and Stability: With over a century of experience, Desjardins has a solid track record of financial stability and customer satisfaction. Their cooperative structure means they prioritize the needs of their members, offering personalized and community-focused services.
  • Comprehensive Coverage: The lifelong protection and cash value accumulation make it a versatile financial tool. Whether you’re looking to secure your family’s future, plan your estate, or build a nest egg, Desjardins Permanent Insurance provides robust support.
  • Flexibility: The ability to customize your policy with various riders ensures that you get the coverage that best fits your life circumstances. This adaptability makes it a preferred choice for many Canadians looking for long-term security.


Investing in Desjardins Permanent Insurance Canada is a wise decision for those seeking comprehensive, lifelong coverage. Its myriad benefits, from cash value accumulation to estate planning, make it an invaluable part of any financial plan. Additionally, considering supplementary options like Super Visa Insurance Monthly can enhance your overall insurance strategy, ensuring that all your loved ones are protected, no matter where they are.

In a world of uncertainties, Desjardins Permanent Insurance Canada offers the peace of mind that comes from knowing you’ve made a sound investment in your future and that of your family.