Skip to main content
It looks like your browser does not have JavaScript enabled. Please turn on JavaScript and try again.
Contact us
Log in
It looks like your browser does not have JavaScript enabled. Please turn on JavaScript and try again.
Contact us
Insurance
Products
Life insurance
Participating life insurance
Universal life insurance
Critical illness
Disability
Healthcare
Hybrid insurance
In addition
Financial Needs Analysis (FNA)
Rates and ROI
Additional coverages
Additional Deposit Option (ADO)
Underwriting requirements
Currently selected
Rate reduction program
Products available for conversion
Business development team
Assistance services
VIP Program
Marketing
Sales concepts
Investments
Products
GIF – Helios2 Contract
MLTI Guarantee Advantage
Redeemable Term Investment
Non-Redeemable Term Investment
Daily interest investment
Responsible retirement annuities
Registered plans
DFS Transition Account
In addition
Rates and ROI
Government forms
Planning
Business development team
Forms
Knowledge centre
Promotions and communications
Bulletins
Bulletin on the economy
GIF reports
Investments press release
Tools
Sales material and tools
Videos
E-book | A profession with purpose
Doing business with us
Contracting with Desjardins
ZoneContenuCentrale
Ulcerative colitis
Chronic inflammatory bowel disease that causes ulcers in the rectum and colon.
Things to consider
Current age
Age at diagnosis
Severity
Frequency of flare-ups
Type of treatment (medication, dosage and surgery)
Complications and other related conditions
Back to main menu
What response can you expect?
Life
Critical illness
Disability
Healthcare
Without surgery
Mild
Within 2 years of the diagnosis:
rated +75 to +100
More than 2 years since the diagnosis:
generally standard
Moderate
Within 2 years of the diagnosis:
rated +75 to +100
More than 2 years of the diagnosis:
standard or rated +50
Severe
rated +50 to +200 or declined
With surgery
Within 6 months of the surgery:
declined
More than 6 months since the surgery, no complications:
standard or rated +50 to +200 depending on type of surgery and severity
Without surgery
Within 2 years of the diagnosis:
rated +100 with colon cancer exclusion or declined
More than 2 years since the diagnosis:
rated +50 to +100 with colon cancer exclusion or declined
With surgery
Within 1 year of the surgery:
declined
More than 1 year of the surgery, no complications:
generally rated +50 with exclusion colon cancer
Without surgery
Mild
Within 2 years of the last flare-up
declined
More than 2 years since the last flare-up:
standard with exclusion
Moderate
Within 2 years of the last flare-up
declined
More than 2 years since the last flare-up:
rated +50 with exclusion and benefit period limited to 5 years
Severe
Within 5 years of the last flare-up
declined
More than 5 years since the last flare-up:
rated +50 with exclusion, waiting period of at least 90 days and benefit period of up to 2 years
With surgery
Within 2 years of the surgery:
declined
More than 2 years since the surgery, no complications:
depending on the severity (mild, moderate or severe)
Learn more