Accelerated Health Care

Desjardins Financial Security is a component of the Desjardins Group, the largest integrated cooperative financial group in Canada, with assets exceeding the $150-billion mark.

Desjardins Financial Security offers a wide array of financial

risk management solutions and services through a wide network of national distributors. Our product portfolio consists of life, health, investment and retirement products designed to meet the diverse financial needs of Canadians seeking financial protection.

desjardinsfinancialsecurity.com

Accelerated Health Care is part of the Health Ways Series of risk management solutions offered by Desjardins Financial Security.

Accelerated Health CareThe perfect complement to your life insurance coverage

Accelerated Health CareProtecting finances during health recovery

30%

20%

10%

0% age 25 age 35 age 45 age 55

Male

Probability of suffering a critical illness versus dying prior to age 65

30%

20%

10%

0% age 25 age 35 age 45 age 55

Female

Critical illness Death

Accelerated Health Care is a unique optional coverage that you add to your life insurance to protect from the financial impact of a serious illness. In the event of illness, you’ll have the finances and the peace of mind to make a complete recovery.

What is Accelerated Health Care?

It’s a fresh new way to think about life insurance! It’s a benefit you can collect while you’re alive, when you need it most. If you are diagnosed with a serious illness listed in the policy, the benefit amount you’ve chosen is paid to you in one tax-free lump sum. You can use it for your recovery, unexpected health care expenses, on-going financial commitments, or however you decide.

®HealthWaysSeriesisaregisteredtrademarkownedbyDesjardinsFinancialSecurity®RegisteredtrademarkownedbyDesjardinsFinancialSecurity 00

135E

(09-

10)

Accelerated Health Care

Desjardins Financial Security is a component of the Desjardins Group, the largest integrated cooperative financial group in Canada, with assets exceeding the $150-billion mark.

Desjardins Financial Security offers a wide array of financial

risk management solutions and services through a wide network of national distributors. Our product portfolio consists of life, health, investment and retirement products designed to meet the diverse financial needs of Canadians seeking financial protection.

desjardinsfinancialsecurity.com

Accelerated Health Care is part of the Health Ways Series of risk management solutions offered by Desjardins Financial Security.

Accelerated Health CareThe perfect complement to your life insurance coverage

Accelerated Health CareProtecting finances during health recovery

30%

20%

10%

0% age 25 age 35 age 45 age 55

Male

Probability of suffering a critical illness versus dying prior to age 65

30%

20%

10%

0% age 25 age 35 age 45 age 55

Female

Critical illness Death

Accelerated Health Care is a unique optional coverage that you add to your life insurance to protect from the financial impact of a serious illness. In the event of illness, you’ll have the finances and the peace of mind to make a complete recovery.

What is Accelerated Health Care?

It’s a fresh new way to think about life insurance! It’s a benefit you can collect while you’re alive, when you need it most. If you are diagnosed with a serious illness listed in the policy, the benefit amount you’ve chosen is paid to you in one tax-free lump sum. You can use it for your recovery, unexpected health care expenses, on-going financial commitments, or however you decide.

®HealthWaysSeriesisaregisteredtrademarkownedbyDesjardinsFinancialSecurity®RegisteredtrademarkownedbyDesjardinsFinancialSecurity 00

135E

(09-

10)

How does it work?

Two Plans In OneIt’s life insurance and critical illness protection, all in one policy. You’re covered for illness or death and your total premiums are lower than the cost of two separate policies.

Flexible Choices• Select the amount of coverage you need.

• When you need it, the benefit amountyou’ve selected is paid out of your life insurance coverage.

• Use the benefit exactly as you wish: for health care expenses, debts, travel or savings. No restrictions, ever.

• Whether or not you recover totally, thebenefit amount is yours to keep tax-free.

• If you do not use the Accelerated Health Carebenefit, the entire amount of your policy will be paid to your beneficiaries upon death.

Fast, tax-free benefitsAll benefits paid, whether in the event of illness or death, are tax-free.

Accelerated Health Care benefits are paid out as soon as a covered illness is diagnosed. There is no waiting period to prove that you are disabled or unable to work.

Accelerated Health Care is a new way to think about financial security. It’s total peace of mind: you’ll always be protected, all your life. Why risk your financial freedom if a little forward planning can give you total security?

- Heart Attack

- Cancer

- Alzheimer’s Disease

- Coronary Artery Bypass Surgery

- Major Organ Failure on waiting list

- Blindness

- Coma

- Severe Burns

- Major Organ Transplant

- Stroke

- Multiple Sclerosis

- Parkinson’s Disease

- Kidney Failure

- Paralysis

- Deafness

- Loss of Speech

- Loss of Limbs

- Benign Brain Tumour

- Motor Neuron Disease

- Occupational HIV Infection

20 Covered Conditions

Example:Your life insurance policy covers you for $100,000 and you choose to add 50% (that is $50,000) of Accelerated Health Care protection.

If no critical illness occurs: your beneficiaries will receive the full $100,000 upon your death.

If you suffer one of the critical conditions listed in the policy (whether naturally, or due to an accident), your $50,000 of Accelerated Health Care protection is paid to you upon diagnosis. This amount will be deducted from your life insurance coverage, which will then be reduced to $50,000. Your life insurance protection will remain in force for as long as you wish.

Select the level of Accelerated Health Care

YOU needMinimum Accelerated Health Care Amount:5% of the basic life insurance amount or $5,000 (whichever is greater).

Maximum Accelerated Health Care Amount:100% of the basic life insurance amount, up to a maximum of $1,000,000.

How does it work?

Two Plans In OneIt’s life insurance and critical illness protection, all in one policy. You’re covered for illness or death and your total premiums are lower than the cost of two separate policies.

Flexible Choices• Select the amount of coverage you need.

• When you need it, the benefit amountyou’ve selected is paid out of your life insurance coverage.

• Use the benefit exactly as you wish: for health care expenses, debts, travel or savings. No restrictions, ever.

• Whether or not you recover totally, thebenefit amount is yours to keep tax-free.

• If you do not use the Accelerated Health Carebenefit, the entire amount of your policy will be paid to your beneficiaries upon death.

Fast, tax-free benefitsAll benefits paid, whether in the event of illness or death, are tax-free.

Accelerated Health Care benefits are paid out as soon as a covered illness is diagnosed. There is no waiting period to prove that you are disabled or unable to work.

Accelerated Health Care is a new way to think about financial security. It’s total peace of mind: you’ll always be protected, all your life. Why risk your financial freedom if a little forward planning can give you total security?

- Heart Attack

- Cancer

- Alzheimer’s Disease

- Coronary Artery Bypass Surgery

- Major Organ Failure on waiting list

- Blindness

- Coma

- Severe Burns

- Major Organ Transplant

- Stroke

- Multiple Sclerosis

- Parkinson’s Disease

- Kidney Failure

- Paralysis

- Deafness

- Loss of Speech

- Loss of Limbs

- Benign Brain Tumour

- Motor Neuron Disease

- Occupational HIV Infection

20 Covered Conditions

Example:Your life insurance policy covers you for $100,000 and you choose to add 50% (that is $50,000) of Accelerated Health Care protection.

If no critical illness occurs: your beneficiaries will receive the full $100,000 upon your death.

If you suffer one of the critical conditions listed in the policy (whether naturally, or due to an accident), your $50,000 of Accelerated Health Care protection is paid to you upon diagnosis. This amount will be deducted from your life insurance coverage, which will then be reduced to $50,000. Your life insurance protection will remain in force for as long as you wish.

Select the level of Accelerated Health Care

YOU needMinimum Accelerated Health Care Amount:5% of the basic life insurance amount or $5,000 (whichever is greater).

Maximum Accelerated Health Care Amount:100% of the basic life insurance amount, up to a maximum of $1,000,000.

How does it work?

Two Plans In OneIt’s life insurance and critical illness protection, all in one policy. You’re covered for illness or death and your total premiums are lower than the cost of two separate policies.

Flexible Choices• Select the amount of coverage you need.

• When you need it, the benefit amountyou’ve selected is paid out of your life insurance coverage.

• Use the benefit exactly as you wish: for health care expenses, debts, travel or savings. No restrictions, ever.

• Whether or not you recover totally, thebenefit amount is yours to keep tax-free.

• If you do not use the Accelerated Health Carebenefit, the entire amount of your policy will be paid to your beneficiaries upon death.

Fast, tax-free benefitsAll benefits paid, whether in the event of illness or death, are tax-free.

Accelerated Health Care benefits are paid out as soon as a covered illness is diagnosed. There is no waiting period to prove that you are disabled or unable to work.

Accelerated Health Care is a new way to think about financial security. It’s total peace of mind: you’ll always be protected, all your life. Why risk your financial freedom if a little forward planning can give you total security?

- Heart Attack

- Cancer

- Alzheimer’s Disease

- Coronary Artery Bypass Surgery

- Major Organ Failure on waiting list

- Blindness

- Coma

- Severe Burns

- Major Organ Transplant

- Stroke

- Multiple Sclerosis

- Parkinson’s Disease

- Kidney Failure

- Paralysis

- Deafness

- Loss of Speech

- Loss of Limbs

- Benign Brain Tumour

- Motor Neuron Disease

- Occupational HIV Infection

20 Covered Conditions

Example:Your life insurance policy covers you for $100,000 and you choose to add 50% (that is $50,000) of Accelerated Health Care protection.

If no critical illness occurs: your beneficiaries will receive the full $100,000 upon your death.

If you suffer one of the critical conditions listed in the policy (whether naturally, or due to an accident), your $50,000 of Accelerated Health Care protection is paid to you upon diagnosis. This amount will be deducted from your life insurance coverage, which will then be reduced to $50,000. Your life insurance protection will remain in force for as long as you wish.

Select the level of Accelerated Health Care

YOU needMinimum Accelerated Health Care Amount:5% of the basic life insurance amount or $5,000 (whichever is greater).

Maximum Accelerated Health Care Amount:100% of the basic life insurance amount, up to a maximum of $1,000,000.

Accelerated Health Care

Desjardins Financial Security is a component of the Desjardins Group, the largest integrated cooperative financial group in Canada, with assets exceeding the $150-billion mark.

Desjardins Financial Security offers a wide array of financial

risk management solutions and services through a wide network of national distributors. Our product portfolio consists of life, health, investment and retirement products designed to meet the diverse financial needs of Canadians seeking financial protection.

desjardinsfinancialsecurity.com

Accelerated Health Care is part of the Health Ways Series of risk management solutions offered by Desjardins Financial Security.

Accelerated Health CareThe perfect complement to your life insurance coverage

Accelerated Health CareProtecting finances during health recovery

30%

20%

10%

0% age 25 age 35 age 45 age 55

Male

Probability of suffering a critical illness versus dying prior to age 65

30%

20%

10%

0% age 25 age 35 age 45 age 55

Female

Critical illness Death

Accelerated Health Care is a unique optional coverage that you add to your life insurance to protect from the financial impact of a serious illness. In the event of illness, you’ll have the finances and the peace of mind to make a complete recovery.

What is Accelerated Health Care?

It’s a fresh new way to think about life insurance! It’s a benefit you can collect while you’re alive, when you need it most. If you are diagnosed with a serious illness listed in the policy, the benefit amount you’ve chosen is paid to you in one tax-free lump sum. You can use it for your recovery, unexpected health care expenses, on-going financial commitments, or however you decide.

®HealthWaysSeriesisaregisteredtrademarkownedbyDesjardinsFinancialSecurity®RegisteredtrademarkownedbyDesjardinsFinancialSecurity 00

135E

(09-

10)