Desjardins Insurance

Why a Questionnaire?

Desjardins Insurance uses a comprehensive questionnaire to gather the information needed for accurate life, health and retirement planning. The data collected helps advisors:

• Identify coverage gaps and opportunities.
• Tailor products to match personal and financial goals.
• Assess risk factors that influence premiums.
• Ensure compliance with regulatory requirements.

Completing the questionnaire is the first step toward a personalized insurance strategy that protects you and your loved ones.

Questionnaire Structure

The questionnaire is divided into four main sections:

1. Personal Information Basic details, marital status, dependents, and contact data.
2. Health History Current health status, medical conditions, lifestyle habits, and family health background.
3. Financial Profile Income, assets, liabilities, and existing insurance coverage.
4. Retirement Goals Desired retirement age, income expectations, travel plans, and legacy wishes.

Each section is designed to be clear and concise while collecting the depth of detail required for an accurate assessment.

Sample Key Questions

Below are examples of questions you will encounter. They illustrate the type of information Desjardins looks for.

• Do you have any diagnosed medical conditions (e.g., hypertension, diabetes, heart disease)?
• How many cigarettes do you smoke per day, if any?
• What is your current annual gross income?
• Do you currently hold any life or health insurance policies? If yes, please provide details.
• At what age do you plan to retire, and what annual income do you anticipate needing?
• Do you have any dependents who rely on your income?
• What are your primary concerns about your financial future (e.g., medical expenses, debt, education)?

Answers are used to run underwriting checks, calculate premium estimates, and design a distribution plan that aligns with your objectives.

How to Complete the Questionnaire

Follow these steps for a smooth experience:

1. Gather Documents Have recent pay stubs, tax returns, medical records, and existing policy statements handy.
2. Choose a Format The questionnaire is available as a printable PDF, an online form, or a mobile app version.
3. Answer Honestly Accurate information leads to the most appropriate coverage and avoids claim complications later.
4. Save Your Progress If using the online version, you can pause and resume at any time.
5. Review Before Submitting Verify that no fields are left blank and that numbers are correct.
6. Submit & Schedule a Followup Once submitted, a Desjardins advisor will contact you to discuss the results.

Benefits of Completing the Questionnaire

When you take the time to fully complete the questionnaire, you gain several advantages:

• Customized Solutions Policies are built around your exact needs, not a onesizefitsall template.
• Accurate Pricing Detailed health and financial data help generate fair, competitive premium rates.
• FutureProof Planning The retirement section ensures that longterm goals are incorporated from day one.
• Peace of Mind Knowing you have appropriate coverage reduces stress during lifes unexpected moments.
• Streamlined Claims Accurate records simplify the claim verification process if you ever need it.

What Happens After Submission?

Once your questionnaire reaches Desjardins:

1. An analyst reviews your answers and runs a preliminary underwriting assessment.
2. You receive a summary report outlining recommended coverage options and estimated costs.
3. Your assigned advisor contacts you to walk through the report, answer questions, and make any needed adjustments.
4. Upon agreement, the formal application is prepared, and any additional medical exams (if required) are scheduled.
5. After approval, policy documents are issued and you receive welcome materials that explain benefits, premiums, and renewal options.

The entire process typically takes 23 weeks, depending on the complexity of your health information and the speed of document collection.