Farm producers and agricultural workers
SOLO Agriculture
For agricultural producersDisability coverage designed around income-protection needs in farming operations.
InsuranceVilla · Income Protection
Protect your income.
Protect the life you built.
If illness or injury interrupts your ability to work, your financial responsibilities may continue. Discover four Desjardins SOLO disability insurance solutions designed for different income, occupation and debt-protection needs.
Educational guidance · Needs-based recommendations · Desjardins solutions
Income continuityHelp manage regular living expenses
Loan obligationsPlan for eligible recurring debt payments
Self-employmentExplore coverage for varied work profiles
AgricultureSolutions for farming livelihoods
Find the right fit
Four Desjardins SOLO solutions
Select a need below to narrow the options. Your actual eligibility, benefit amount, exclusions, premiums and payment period depend on the policy, underwriting and your individual circumstances.
Employed professionals and eligible income earners
SOLO Disability Income
Protect your paychequeA monthly disability benefit can help replace eligible earnings while you are unable to work because of covered illness or injury.
Self-employed, contract workers and some difficult-to-insure applicants
SOLO Essential Disability Income
Coverage for less traditional work profilesAn income-protection option worth exploring for eligible higher-risk occupations, self-employed or contract workers, and people who may not qualify for traditional disability insurance.
Borrowers with mortgages, loans or leases
SOLO Loan Insurance
Help protect recurring debt paymentsA monthly benefit intended to help cover eligible loan and lease payments during a qualifying disability.
Why prepare?
Your bills don't stop when your income does.
A disabling illness or injury can affect your household cash flow. A disability policy is not the same as life insurance or critical illness insurance: it is principally designed to address qualifying loss of earning capacity or eligible obligations while you are alive.
- Employees: review workplace group disability benefits and potential gaps.
- Self-employed: understand how much income you could replace without employer benefits.
- Families with debts: distinguish covering personal living costs from protecting specific loan payments.
- Farm producers: discuss occupational and income-documentation considerations.
- Near-retirement households: assess how an unexpected earnings interruption might affect long-term savings.
SOLO Disability Income vs. SOLO Loan Insurance
Income coverage aims to help replace qualifying earnings, subject to contractual terms. Loan coverage focuses on eligible recurring loan and lease obligations. A needs analysis determines whether one, the other, or a suitable combination should be explored.
Not all disabilities qualify automatically.
Definitions of disability, applicable waiting and benefit periods, occupational rules, exclusions and other limitations must be reviewed in the actual contract and illustration.
Practical planning
What income would your household need during an interruption?
Use this simple monthly budget worksheet to identify an illustrative income gap. This is not an insurance quote, an eligibility assessment, or an estimate of policy benefits.
- Consider regular household expenses, including rent or mortgage payments.
- Account for reliable income that would continue during disability.
- Review existing employer or individually owned disability protection.
- Ask about coordinating multiple benefits and coverage limits.
Your questions answered
Before choosing disability insurance
What is the difference between disability insurance and critical illness insurance?
Disability income coverage generally provides periodic benefits when you meet the contract's definition of disability. Critical illness insurance generally pays a lump-sum benefit for a qualifying diagnosis or procedure, subject to its contract. They address different risks and may complement each other.
Can a self-employed or contract worker apply?
Potentially. Desjardins SOLO Essential Disability Income is positioned for certain non-traditional or higher-risk profiles. Application eligibility, acceptable occupations, income evidence and any medical exclusions must be verified.
Does SOLO Loan Insurance automatically pay off my mortgage?
No. It is described as providing monthly benefits toward eligible recurring loan or lease payments under qualifying circumstances. The policy conditions and benefit limits determine what is payable; it should not be presented as an automatic full loan payoff.
How much coverage should I buy?
Review your essential monthly expenses, net earnings, existing employer benefits, personal savings, waiting-period affordability and current debt obligations. A licensed advisor can assess suitable options and available limits.
Are benefit payments tax-free?
Tax treatment depends on plan design, premium payer, ownership and other factors. Do not assume benefits are tax-free without confirming the arrangement with a qualified advisor or tax professional.
InsuranceVilla · Getting better, not poorer
Request my coverage review ↗Plan for recovery without losing your financial footing.
Request a personalized review of your occupation, income, existing coverage and debts. We'll explore which Desjardins SOLO option may fit your needs.
InsuranceVilla | InsuranceVilla.life
Desjardins SOLO · Expanded product education
Explore the features behind each protection option
Choose a product to review its key features and more technical details. These are educational summaries based on advisor product information; your contract, underwriting class, selected options and current insurer rules determine actual coverage.
Protect the livelihood behind the farm
SOLO Agriculture
Disability coverage for qualifying farm producers, with an income calculation that may recognize amortization costs associated with substantial investments in a farming business.
First $1,200Monthly benefit not integrated or coordinated for the first 36 months of total disability, under applicable provisions
Day-one benefitHospitalization or day surgery for selected waiting periods of 90 days or less
5× monthly amountDeath benefit when the insured dies while receiving disability monthly payments
1. Features and income protection
Qualifying total disability caused by illness or accident may trigger a monthly benefit to help replace personal income. The agricultural income methodology takes account of farm-specific major investments and may permit amortization expenses in the calculation of insurable income.
For qualifying hospitalization or day surgery, payments may begin on day one even with a selected waiting period of up to 90 days. Claim definitions and contractual conditions still apply.
2. Product description and target market
- Recognized agricultural producer who owns an agricultural business.
- Must hold at least 20% of the shares in the agricultural business, according to the supplied eligibility description.
- An advisor should establish the applicable occupation class before selecting Agricultural Producer (Agriculture) under occupation/income information in the illustration software.
3. Particularities and illustrations
Because farm cash flow, business assets and personal income may differ from salaried employment, the insurable-income calculation requires review of supporting agricultural financial information. The first-$1,200 provision is not a blanket promise that every applicant qualifies for a $1,200 payment.
4. Sales material and 5. Contract clauses
Request the current Desjardins illustration, product guide and policy wording from the advisor. Confirm waiting-period selections, occupation classification, total-disability definition, integration provisions, death benefit and claim documentation before describing a feature as contractually guaranteed.
Income continuity during recovery
SOLO Disability Income
A monthly income replacement option for eligible working individuals who experience a qualifying total disability from accident or illness.
$400–$15,000Illustrative monthly benefit range, depending on occupation class
2 years / 5 years / to 65Described benefit period choices
5× monthly amountDeath benefit while receiving disability payments, subject to terms
1. Eligibility, issue ages and occupation classes
| Issue ages (nearest birthday) | 18–60 for Term 65; 18–50 for Term 10 |
|---|---|
| Occupation classes | 4A, 3A, 2A, A and B; not occupation class X |
| Employment pattern | 30+ hours/week and 40+ weeks/year, or 30+ hours/week and 35–39 weeks/year (minimum 60-day waiting period); alternatively 24–29 hours/week and at least 40 weeks/year (minimum 90-day waiting period) |
| Occupation guidance | Work-from-home and employment eligibility must be assessed against current insurer guidelines |
2. Waiting periods, benefit periods and amounts
| Waiting periods | 30, 30+, 60, 90, 90+, 120, 180, 365 or 730 days |
|---|---|
| “+” waiting period | Described as a day-one benefit for qualifying accident-related total disability |
| Hospitalization/day surgery | Day-one benefit under selected waiting periods of 90 days or less |
| Benefit periods | 2 years, 5 years or to age 65; minimum payment duration of two years for a qualifying disability beginning near the end of coverage, per supplied product description |
| Monthly benefit limits by occupation class | Minimum $400; maximum 4A $15,000; 3A $14,000; 2A $10,000; A $8,000; B $7,000, subject to financial underwriting |
3. Premiums, renewability and disability definition
- Term 65: described as level premiums to age 65; Term 10: level for ten years, with renewal subject to policy terms.
- Potential exchange from T10 to T65 without evidence of insurability at age 50 or younger, subject to applicable rules.
- Guaranteed renewable to age 65, with limited continuation provisions after 65 as provided in the policy.
- Regular-occupation total-disability definition for 24 months; recurrent-disability rules described as 12 months (4A and 3A), or six months (2A, A and B).
- Coverage ends at the earliest applicable event, such as death, lapse, retirement, exchange to SOLO Loan or the policy anniversary nearest age 65, subject to continuation provisions.
4. Built-in benefits and optional protection
Built-in, subject to wording
- First $1,200 without integration/coordination for first 36 months of qualifying total disability
- Death amount of five times monthly coverage when death occurs during benefit payments
- Exchange privilege to SOLO Loan insurance within first seven policy years, subject to issue age and contractual terms
- Organ donation after six months, presumptive total disability, rehabilitation, premium waiver and recurrent disability
Optional coverages
- Cost of living
- Partial disability and residual disability
- Return of premiums
- Future insurability option
- Extension of regular occupation definition period
Complementary assistance services may be available but are not contractual obligations of Desjardins.
An alternative for certain non-traditional risks
SOLO Essential Disability Income
Designed as a possible option for some workers in higher-risk occupations, self-employed or contract workers, and certain people who may not qualify for traditional disability insurance. Accident and illness protection have different eligibility rules.
$500–$6,000Monthly benefit range, subject to occupation-class limits
5 years / to age 70Benefit period selections in supplied material
Accident ≠ illnessDifferent ages, medical criteria and coverage expiry
1. Eligibility by coverage type
| Coverage | Eligibility requirements in supplied material |
|---|---|
| Accident | Age 18–69 (age at last birthday); Canadian citizen or permanent resident; no physical limitations or restrictions; work at least 20 hours/week for 35 weeks/year. |
| Illness | Age 18–64; must also have SOLO Essential Accident coverage; health-history exclusions and height/weight guidelines apply. Certain prior consultations, diagnoses, medical advice or treatments may make illness coverage ineligible. |
The detailed medical conditions in advisor eligibility questions require confidential underwriting review. The webpage is not a tool to self-certify eligibility.
2. Plan structure and limits
| Occupation classes | 1, 2, 3, 4, 5 and 5b |
|---|---|
| Waiting period | Accident: 0, 30 or 120 days; Illness: 30 or 120 days |
| Monthly benefits | Minimum $500; maximum $6,000 depending on occupation class and underwriting |
| Benefit periods | Five years or to age 70, subject to selected plan and terms |
| Level premiums | Accident: to age 75; Illness: to age 70 |
| Renewable / expiry | Accident to age 75; Illness to age 70; coverage also ends upon retirement under described terms |
| Total disability definition | Regular occupation, 36 months |
3. Built-in and additional protections
- Built-in: partial disability, waiver of premium, rehabilitation and recurrent disability.
- Additional options: accidental fracture and accidental death, dismemberment or loss of use.
- Complementary assistance and 24/7 telephone support may be offered; availability and services are not guaranteed contractual benefits.
Protect recurring financial obligations
SOLO Loan Insurance
Disability insurance structured around qualifying personal or business loans and leases. A monthly benefit helps the insured manage covered obligations following qualifying disability, while retaining ownership of the individual policy.
PortableNot tied to one lender
Paid to insuredBenefits are generally payable to the insured, not directly to creditors
Renewable to 65Subject to contract rules; potential continuation thereafter
1. Main advantages and key conditions
- One policy may cover multiple eligible personal or business loans and leases.
- The insured owns the coverage, retaining lender flexibility even when financing institutions change.
- Selected monthly amount, benefit duration, waiting period and optional coverages should match documented financial needs.
- Described loan insurance benefit is not integrated or coordinated with other disability/government benefits when supported by required financial proof at claim time, subject to the policy.
- Important: An obligation already partly or fully insured by other loan, debt or credit coverage cannot also qualify under the supplied rules.
- Separate policies are required to insure personal and business obligations; a single contract cannot cover both simultaneously.
2. Eligible recurring debt types
- Mortgage and home equity line of credit, including for multi-unit properties
- Other lines of credit and credit cards
- Long-term vehicle loans or leases
- Investment leverage loans
- Personal, student and renovation loans
- Business loans
- Other fixed-term loans with regular repayment requirements
- Eligible rent on a principal residence
3. Renewal, claims and contract conditions
Desjardins describes SOLO Loan Insurance as guaranteed renewable to age 65, with certain potential continuation arrangements beyond age 65. Eligibility, maximum benefit and payment duration are based on the policy and loan documentation. Financial justification may be required when claiming.
The coverage is intended for eligible loan and lease obligations, not as an unlimited general income replacement benefit.
Advisor review required: Details above reflect supplied product descriptions and have not been independently verified against a current downloadable contract. Availability, maximums, age bands, eligibility and optional riders can change. Official product links may require an advisor sign-in. Only the issued policy and insurer-confirmed illustration govern coverage.
Important insurance disclosure: This page is general educational information, not a contract, quotation, recommendation to purchase, or guarantee of insurability or claim payment. Coverage is subject to application, insurer underwriting, limitations, exclusions and current contract wording. Product names and descriptions are drawn from the supplied Desjardins advisor materials; availability and exact features should be verified with Desjardins prior to recommending coverage. Some insurer links may require advisor access. InsuranceVilla is an independent insurance advisory brand and is not the insurer.