The Bulletin | Family Market Coverage
Submitted by Krishan on July 20, 2018 - 10:01am
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Multi-Coverage Discount & Fast-Track
Desjardins Insurance offers tools and products to provide your clients and their entire family holistic coverage under one policy. You can pass on some great savings with our Mult-Coverage Discount (MCD) program, submit applications using our easy to use E-App and *Fast-Track it all with our simplified underwriting questionnaire. Please see below a sample case study and explanation. |
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FAMILY MARKET COVERAGE
EXPLANATION
- Mortgage Insurance coverage can be offered by layering term products and leveraging Desjardins’ Multi-Coverage Discount program
- Multi-Coverage Discount (MCD)
- MCD is added when you offer your client multiple coverages like term, permanent or critical illness (CI)
- The client example shows they will be saving $35.19 per month – 20% in premium savings!
- $422.28 / year
- $4222.80 in 10 years
- MCD is not in reflected Lifeguide. As a result, premiums will be reflected higher
- Children’s Critical Illness (Health Priorities) is unique to Desjardins Insurance and covers all types of cancer!
- ROP/ROPD/Death Benefit
- Accidental Fracture Rider
- Childhood Diseases option: Autism, Rett’s Syndrome, Cystic Fibrosis
- One policy & one policy fee for the family
- Fast-Track your sale using our easy to use E-Application (DSign) and simplified questionnaire!
EXTRAS - Exchange option available for Term Life 10 and 20
- Desjardins Insurance offers some of the most unrestrictive conversion options in the market. Convert life term coverage and critical illness term coverage to permanent without medicals
- When you layer term, permanent or CI coverage, each coverage is separate and NOT riders. You can cancel any of the individual coverages without canceling the entire policy
- Hybrid Insurance (unique to Desjardins Insurance) is available where Permanent Life and Critical Insurance is combined into one product!
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