Living Benefits
Because Your Health Is a Priority

Critical Illness Insurance

Let’s you focus on what matters most should you have a need for medical care. Health Priorities gives you the financial freedom to make your own decisions about your health and the peace of mind to focus on your recovery with a tax-free lump-sum benefit if you are diagnosed with a covered critical illness. You receive the benefit regardless of your ability to work or not. This includes protection against 26 critical illnesses, a return of premium option and no wait times in the event of a cancer diagnosis.

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Coverage That Goes Beyond the Claim Cheque

Complimentary assistance services for you and your family, available at any time on DesjardinsLifeInsurance.com/HealthSupport. They can access reliable health information resources, as well as the option to receive over-the-phone support.

Guidance from world-renowned medical experts By Best Doctors

Leading medical specialists from world-renowned institutions like the Mayo Clinic who will give an expert second opinion on the diagnosis and treatment plan.

Specialized assistance just a phone call away By Assistel

Psychological counselling, as well as 24/7 personalized recovery support from a medical assistance team.

Health Priorities – Business: a business solution for health risks

Health Priorities has been created to work with a tax efficient concept that helps you plan for the future and arrange for an advantageous tax strategy to assist you in retirement.

It allows you to own a critical illness insurance policy jointly with your company. Therefore, your company receives a benefit if you are diagnosed with a critical illness and, if you stay healthy, you could benefit from tax advantages and get back all the disbursements made.

Health Priorities – Child: Critical Illness Insurance for Children

Your child’s happiness and well-being is a priority. Health Priorities – Child ensures your child stays protected into adulthood for covered critical illnesses.

As a parent, you receive a tax-free, lump-sum amount if your child is diagnosed with a covered illness, or becomes ill at the result of an accident. 29 illnesses and surgeries, including 3 childhood conditions are covered.

footnote[2]Customize your Term Life policy with options and riders:

Critical Illness Advance

Critical Illness Advance is added to your Life Insurance coverage. This allows you to choose an insurance amount to be paid in the event of a critical illness diagnosis. The benefit is payable upon the diagnosis of one of the critical illnesses covered, without any survival period. The life insurance is reduced by the Critical Illness benefit.

Eligibility

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Coverages Ages
$10,000 to $2,500,000 Policyholder is aged 18-65.

Children’s Life Protection

Provides temporary insurance for eligible children up to 25 or until you turn 65. Just one rider can provide up to $20,000 in coverage for each eligible child in your family. The rider can be converted to permanent insurance for up to five times the amount of coverage.

Eligibility

Screen reader users: the table below has been altered from the original table view to fit on mobile devices and is not fully accessible. To access a fully accessible, screen reader only version of this table, please select the "switch to screen reader table" link below. It will create an accessible table that is only readable using a screen reader. Select "switch to the visible table" to return to the visible table view.

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Coverages Ages
$5,000, $10,000 or $20,000 Child(ren) already born: 0 to age 17.

Child(ren) yet to be born: The policyowner must inform the Company of the birth of any child after the application has been signed. No evidence of insurability is required. Policyholder is aged 18–55.

Disability Waiver of Premiums

Helps preserve your policy at a time when income may be limited due to a disability. If the base insured becomes totally disabled (as defined in the policy) prior to age 60 for six continuous months, this optional coverage will waive future policy premiums as they become due as long as the insured remains totally disabled. This rider coverage automatically terminates on the policy anniversary when the insured is age 60, unless disability occurs prior to that time.

Eligibility

Screen reader users: the table below has been altered from the original table view to fit on mobile devices and is not fully accessible. To access a fully accessible, screen reader only version of this table, please select the "switch to screen reader table" link below. It will create an accessible table that is only readable using a screen reader. Select "switch to the visible table" to return to the visible table view.

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Ages
18-55

Accidental Fracture

Provides a lump-sum benefit if you suffer a fracture due to an accident.

Eligibility

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Coverages Ages
$5,000: Fracture of the skull (dome of the skull), spine (excluding coccyx), pelvis (excluding the coccyx) or femur

$1,500: Fracture of a rib, sternum, scapula, humerus, patella, tibia, fibula, larynx or trachea

$750: Fracture of a bone not listed above (including coccyx)
0 to 60 years

Children’s Accidental Fracture

Provides a lump-sum benefit if you suffer a fracture due to an accident.

Eligibility

Screen reader users: the table below has been altered from the original table view to fit on mobile devices and is not fully accessible. To access a fully accessible, screen reader only version of this table, please select the "switch to screen reader table" link below. It will create an accessible table that is only readable using a screen reader. Select "switch to the visible table" to return to the visible table view.

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Coverages Ages
$5,000: Fracture of the skull (dome of the skull), spine (excluding coccyx), pelvis (excluding the coccyx) or femur

$1,500: Fracture of a rib, sternum, scapula, humerus, patella, tibia, fibula, larynx or trachea

$750: Fracture of a bone not listed above (including coccyx)
0 to 55 years

Accident Benefit

Provides a lump-sum benefit if you suffer a fracture due to an accident.

Eligibility

Screen reader users: the table below has been altered from the original table view to fit on mobile devices and is not fully accessible. To access a fully accessible, screen reader only version of this table, please select the "switch to screen reader table" link below. It will create an accessible table that is only readable using a screen reader. Select "switch to the visible table" to return to the visible table view.

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Coverages Ages
$5,000: Fracture of the skull (dome of the skull), spine (excluding coccyx), pelvis (excluding the coccyx) or femur

$1,500: Fracture of a rib, sternum, scapula, humerus, patella, tibia, fibula, larynx or trachea

$750: Fracture of a bone not listed above (including coccyx)
0 to 60 years

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Footnote

  • [2] Insurance policies and/or associated riders and features may not be available in all provinces, and policy terms and conditions may vary by province.

Disclosures

This is only a general description of coverage. A complete statement of coverage is found only in the policy. For more details on coverage, costs, and restrictions, or to apply for coverage, contact a local State Farm agent.

There are limitations and conditions regarding payment of benefits due to misrepresentations on the application or when death is the result of suicide in the first two policy years.

State Farm agents do not provide tax, legal, or investment advice. Please consult your tax, legal, or investment advisor regarding your specific circumstances.

Coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage.