Whole life guaranteed 10 Pay

Whole life guaranteed 10 Pay (Life 10) is a permanent life insurance product with a guaranteed cash surrender value, payable for 10 years.


Main features

  • Paid-up premiums as of the 10th year
  • Additional paid-up benefits in 10 years (except for children's insurance)
  • Generous guaranteed cash surrender values available as of the 5th year
  • Reduced paid-up insurance as of the 8th year
  • Eligible for term insurance conversions

Return of premiums

Desjardins Insurance is one of the only companies in the industry to offer cash surrender values as of the 5th year. In the event of cancellation of your coverage between the 5th and the 10th policy anniversaries, Guaranteed Whole Life 10-Pay allows for a partial reimbursement of premiums* and, generally, after the 15th year, a reimbursement that may exceed 100% of premiums paid.

*Subject to applicable tax regulations.