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Desjardins Insurance For Advisors Only 5 Pay Participating Whole Life For life insurance clients who want lasting joy not lasting payments Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company Desjardins Desjardins Insurance all trademarks containing the word Desjardins as well as related logos are trademarks of the F d ration des caisses Desjardins du Qu bec used under licence 1
Overview featuring David Lee,
Manager, Business Development Support at Desjardins Insurance
5 Pay ParticipatingWhole Life
Desjardins Insurance | For Advisors OnlyDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Desjardins®, Desjardins Insurance®, all trademarks containing the word Desjardins, aswell as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.-1-
Dividend scaleDividends maximized over the longtermGuaranteedpayment period5 yearsIssue age 0 to 65Type ofprotection• Individual• Joint last-to-die (2 insureds)• Joint first-to-die (2 to 5 insureds)• Joint last-to-die, paid up on first death (2 insureds)InsuranceAmountMinimum: $10,000(excluding the EnhancedInsurance)Maximum: $10,000,000*Rate band• $10,000 to $24,999• $25,000 to $49,999• $50,000 to $99,999• $100,000 to $249,999• $250,000 to $499,999• $500,000 to $999,999• $1,000,000 or moreDividend optionEnhanced Insurance**(T1 and PUA –guaranteedfor lifetime)*For higher amounts, contact head office to get a special quote**Enhanced Insurance is the only option available at the time ofsale. PUAs, Cash payment and Deposit Dividend options may beavailable 10 years after contract issue, if the exempt test is metPremium offset Not offeredReduced paid-up Not offeredRiders• Disability Waiver of Premiums• Accidental Fracture• Accident• Accidental Dismemberment or Loss of Use• Accidental Death, Dismemberment or Loss of Use• Guaranteed Insurability Benefit• Business Insurability Coverage• Children’s Life Protection• Children’s Accidental FractureType of protection• Individual• Joint first-to-die (2 to 5 insureds)• Joint last-to-die (2 insureds)• Joint last-to-die, paid up on first death (2 insureds)Rate Reduction • Available5 Pay Participating Whole LifeDesjardins Insurance | For Advisors Only-2-
How does it work?
Desjardins Insurance For Advisors Only 5 Pay Par Story Innovation Stability Low Maintenance Guarantees Participating whole life insurance includes basic cash surrender values premiums and a basic amount payable upon death which are all guaranteed 3 Digital Client Brochure
WEALTH TRANSFERPAR ENTSFINANCIAL PLANNINGGRANDPARENTSChildren.Innovation. Stability. Low Maintenance. Guarantees.IRPDesjardins Insurance | For Advisors Only-4-
Family.Innovation. Stability. Low Maintenance. Guarantees.WEALTH TRANSFERTAX ISSUESINVESTOR50+Desjardins Insurance | For Advisors Only-5-
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Thank you!Innovation. Stability. Low Maintenance. Guarantees.-9- Thank you!Innovation. Stability. Low Maintenance. Guarantees.-9- Thank you!Innovation. Stability. Low Maintenance. Guarantees.-9- 5 Pay PAR Life Find your Regional Sales Director