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Clients purchase insurance for a variety of reasons, whether its to cover a mortgage, pay loans and debts, cover a loss of income, plan for children’s education, leave an inheritance, or to cover tax obligations at death… and more. Each client and their need for insurance is unique. As advisors, you are able to customize the plan type(s), the amount required and payment duration to fit a client’s budget. But did you know that you can personalize the plan and enhance the level of protection ever further? 

Adding additional coverages (riders) is a great way to enhance the client’s insurance protection to cover for those “What If” scenarios that may not be covered under the base plan.          

Desjardins has many additional coverage options available to customize the client’s protection plan.

One such coverage, Accidental Fracture for the Insured or even the Insured’s Children, is very popular and often necessary option.  

Accidental Fracture:

• Pays a fixed amount in case the insured is involved in an accident and sustains a fracture/broken bone.
• The amount varies depending on the fracture sustained, $750 to $5000
• A lump sum can help with the financial impact that may occur with having to take time off work to attend the fracture appointments for the insured or even the insured’s children (if selected)
• A lump sum could help financially if equipment is required, crutches, wheelchair etc. The average cost for equipment is not a welcomed surprise for most individuals
• Premium is fixed & guaranteed and very cost effective! 

To learn more about Accidental Fracture & other Desjardins Additional Coverages, please watch the short video below.