The Bulletin | Family Market Coverage

Multi-Coverage Discount & Fast-Track

Desjardins Insurance offers tools and products to provide your clients and their entire family holistic coverage under one policy. You can pass on some great savings with our Mult-Coverage Discount (MCD) program, submit applications using our easy to use E-App and *Fast-Track it all with our simplified underwriting questionnaire. Please see below a sample case study and explanation.

FAMILY MARKET COVERAGE
EXPLANATION

Mortgage Insurance coverage can be offered by layering term products and leveraging Desjardins’ Multi-Coverage Discount program
Multi-Coverage Discount (MCD)
- MCD is added when you offer your client multiple coverages like term, permanent or critical illness (CI)
- The client example shows they will be saving $35.19 per month – 20% in premium savings!
- $422.28 / year
- $4222.80 in 10 years
- MCD is not in reflected Lifeguide. As a result, premiums will be reflected higher
Children’s Critical Illness (Health Priorities) is unique to Desjardins Insurance and covers all types of cancer!
- ROP/ROPD/Death Benefit
- Accidental Fracture Rider
- Childhood Diseases option: Autism, Rett’s Syndrome, Cystic Fibrosis
One policy & one policy fee for the family
Fast-Track your sale using our easy to use E-Application (DSign) and simplified questionnaire!

EXTRAS

Exchange option available for Term Life 10 and 20
Desjardins Insurance offers some of the most unrestrictive conversion options in the market. Convert life term coverage and critical illness term coverage to permanent without medicals
When you layer term, permanent or CI coverage, each coverage is separate and NOT riders. You can cancel any of the individual coverages without canceling the entire policy
Hybrid Insurance (unique to Desjardins Insurance) is available where Permanent Life and Critical Insurance is combined into one product!