LIFE, HEALTH AND DISABILITY INSURANCE ADVISORY SERVICES

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1 LIFE, HEALTH AND DISABILITY INSURANCE ADVISORY SERVICES

2 Every stage of your life will have its share of happy (and sometimes unexpected) events. Maybe you re: Having a child Saving up for your long-term goals Starting your own business Planning for retirement GET PERSONALIZED ADVICE Whether you re preparing for these or other big life events, a financial security advisor 1 can help make sure you and your loved ones have the coverage you need to weather the financial consequences of a disability, major health problem or death. 1 Employee of Desjardins Financial Security, Financial Services Firm.

3 LIFE INSURANCE The younger you are, the more invincible you might feel. But if something ever did happen, you d want to know your loved ones were taken care of. In the event of your death, life insurance can help your loved ones: Take care of any final expenses (funeral arrangements, taxes, etc.) Pay for future plans (children s education, home renovations, retirement plans, etc.) Get more out of their inheritance DISABILITY INSURANCE You make an effort to take care of yourself and stay healthy. But no matter how proactive you are about your health, no one is immune from unexpected accidents! In the event you become disabled, disability insurance can help you: Replace lost income Cover your regular expenses Stay on track with your future plans or retirement goals HEALTH INSURANCE Medical advances may have extended life expectancies, but living longer involves its own share of health concerns. If you ever experience major health problems, health insurance can help you: Cover any unexpected expenses Offset lost income for a family caregiver Benefit from home care and home services Did you know? The proceeds of a life insurance policy are generally paid out tax-free. Did you know? One in three working Canadians will experience a period of disability lasting longer than 90 days in their working lives. 2 Did you know? Home care services (housekeeping, meal preparation and basic personal care) can cost between $2,000 and $5,000 a month. 3 PERSONALIZED ADVICE FOR EVERY STAGE OF YOUR LIFE 1 - STARTING OUT Purchasing a life insurance policy while you re young and in good health means you can benefit from more affordable premiums. A financial security advisor can help you analyze your coverage needs. 2 - WORKING YEARS If you change jobs or decide to strike out on your own, it s a good idea to meet with a financial security advisor to go over your disability insurance needs. 2 Sources: Investment Executive, September 23, 2014 and Statistics Canada. 3 - PRE-RETIREMENT An evaluation of your insurance needs can help you decide on your next financial steps. Talking to a financial security advisor is a great place to start! 3 Sources: 2012 hourly rates provided by Coopérative de soutien à domicile and the Régie de l assurance maladie du Québec.

4 WHAT WILL YOUR FINANCIAL SECURITY ADVISOR DO FOR YOU? In your meeting, your financial security advisor will: Listen to you, identify your goals and establish an overall picture of your financial situation. Analyze your insurance needs. Recommend a solution that meets your specific needs and fits your budget. It s a good idea to meet with your financial security advisor and review your insurance needs at every important stage of your life.

5 COMPLIMENTARY ASSISTANCE SERVICES When you buy a VISION insurance contract from Desjardins Insurance, you re not only protecting your financial security you re also getting peace of mind. That s because your VISION contract also includes our assistance services for travel and convalescence referrals, which connect you with professionals for free advice and guidance.

6 EXCLUSIVE ADVANTAGE FOR MEMBERS Financial and insurance products under one roof More services You can turn to your caisse for expert advice on both financial products and life and health insurance products. Exclusively for Desjardins members Desjardins is the only financial institution in Quebec that offers all of this under one roof. Make an appointment with a financial security advisor. Call or visit your caisse today! desjardins.com/myadvisor Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company E (15-07)