As a business owner, the possibility of a critical illness raises a number of questions:• Who would take over if you became critically ill?• How would your creditors react?• Could you afford treatments not covered by your public health plan?• Would you be forced to dip into your savings so your family could make ends meet?

Harmony CritiCal illness insurance from Desjardins Insurance has you and your business covered:

if you’re diagnosed with a critical illness:receive a tax-free benefit1

if you die without falling critically ill:receive a tax-free refund of 100% of premiums paid (minimum of 25% of the sum insured)

if you remain healthy:receive up to 100% of the premiums you paid into the plan, tax-free1 Payable after a 30-day survival period

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Could your business survive without you for six months?WhAt About A yeAr?

if a heart attack, cancer, or a stroke forced you to take an extended medical leave, would your company be able to survive?

Amazing tax efficiencies for business owners:Did you know? With a co-ownership strategy, you and your business can jointly take out a critical illness insurance contract and enjoy valuable tax benefits. Contact me today to learn more about this innovative strategy.

you work hard to build your business. we can help you protect it.

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