Desjardins Group: Your Trusted Partner For Financial Security
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Description
Desjardins Group: Empowering Communities Through Cooperative Financial Solutions
Desjardins Group is North America’s largest financial cooperative. With 7.7 million members and clients, we are dedicated to their financial well-being. Rooted in cooperative values like self-help, democracy, and solidarity, we offer personalized services, including insurance, wealth management, and investment products.
Our mission is to support community development by focusing on our members' needs. We prioritize economic and social betterment while providing services that empower individuals to take control of their financial future. At Desjardins, we see money as a tool for human development, with a strong commitment to integrity, transparency, and sustainability.
Our democratic structure allows members to actively participate in decision-making, ensuring their voices are heard. We return surplus earnings to our members and invest in local initiatives that promote growth and sustainability.
Join Desjardins Group, and discover how we can be your partner in financial empowerment and community development.
Features
- Car Insurance
- Home Insurance
- Life Insurance
- Travel Insurance
- Group Insurance
- Recreational Vehicle Insurance
- Pet Insurance
- Personal Health Insurance
- Disability Insurance
- Critical Illness Insurance
- Accident Insurance
- Savings-Life Insurance
- Loan Insurance
- Line of Credit Insurance
- Credit Balance Insurance
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Your Questions & Answer
What is a deductible?
A deductible is the amount you must pay when you make an insurance claim. Let's say you have a $500 deductible, and your home or car is damaged by an incident that's covered under your policy. If the repairs cost $5,000, you pay the first $500 and your insurance pays the remaining $4,500.
For pet insurance, the deductible is based on your pet's age. You only pay one deductible per year, regardless of how many claims you submit throughout the year. If you have no claims that year, you will not pay any deductible.
Why do insurance companies ask for my consent to check my credit history?
Your credit history is one of the factors insurance companies take into account to assess risk and calculate the best insurance premium for your needs. There’s a difference between checking credit for a loan and for insurance purposes; having your credit checked for insurance purposes doesn’t affect your score.
Read the Insurance Bureau of Canada's All about credit information and insurance. External link. article for more details.
Can I have more than one life insurance policy?
Yes, you can have more than one life insurance policy.
For example, you could have term life and permanent life insurance policies, which would allow you to cover different needs.
Can you write off life insurance premiums as a business expense if you're self-employed?
No. If you're self-employed, you can't write off life insurance premiums as a business expense.
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