FAQs
Frequently Asked Questions
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ClearGetting Started
Desjardins Insurance (Term Life, Disability, Critical Illness, Office Overhead) is the Desjardins Group’s life and health insurance subsidiary. Desjardins Life Assurance was founded in 1948 in Quebec, Canada. The Desjardins Group has over 46,000 employees across Canada and more than 7 million members and clients.
American International Group, Inc. (Accidental Death and Dismemberment) began operations in Canada in 1966. AIG serves over 35,000 Canadian clients and operates in 80 countries.
The Personal (Home and Auto) partners with over 700 organizations to provide home and auto* group coverage. InsureCPA members¹ receive a preferred rate for coverage. *Auto insurance is only available in the province of Alberta.
Group Medical Services (Health, Dental, Travel, Visitors to Canada) began operating in Canada in 1949 and have partnered with InsureCPA since 2017 to provide personal and replacement healthcare benefits to our members¹ at discounted rates. They are headquartered in Regina, Saskatchewan.
At InsureCPA, we’re committed to supporting the health and wealth of CPAs. Whether you’re looking for life, health, or disability coverage, our plans are designed to protect during times of financial dependency.
Our experienced Licensed Advisors are here to guide you every step of the way, from selecting the right plan to managing your benefits with confidence.
• Accidental Death & Dismemberment (AD&D)
• Dependent Child Benefit
• Office Overhead
• Small Group Employee Benefit Plans
Available through third-party partners
• Individual Extended Health and Dental
• Individual Travel Insurance and Visitors to Canada
To apply for coverage with InsureCPA, please complete our Individual Benefits Application Form. Once you’ve submitted your form, a copy will automatically be sent to our team for verification and processing.
If you have any questions or need help with your application, our Licensed Advisors are happy to assist. Please connect with our Licensed Advisors by calling toll-free at 1-800-661-6430.
Customer Portal
Do you need to update your policy's beneficiary information? Look no further!
1. First, you will need to log into your account on the Client Portal.
2. In the left menu bar select the category: 'Beneficiaries' (see example below)
3. Once viewing your Beneficiaries list, select 'Change Beneficiaries' in the top right corner (see example below)
4. Follow the prompted process and fill out the required fields.
Once completed, you can toggle between profiles by clicking the down arrow "v" by your name on the home page.
Follow these five quick steps to create your account for InsureCPA's
Client Portal
- Click this link to go to the Client Portal.
- Click the “Create an account” link (located under the “Sign In” button).
- Check your inbox to Verify Email Address.
- Enter your information as prompted.
- Enroll as an Individual.
- ID Number: 00012345.
- Name on File.
- Date of Birth: DD/MMM/YYYY (E.g. 01/JAN/2000).
5. Please select 'Yes' to receive notifications related to your policy. By clicking 'Yes' you will receive renewal information and any important updates to your policy.
...and you’re done!
We are sorry to hear your Portal Registration process hasn't been smooth sailing! We have a few tips for you to try (refer to the example invoice provided for context):
- Please enter your Full Name as stated exactly on your invoice.
- The name stated on the following example invoice is Beatriz Bee Bentley. Entering this name as Beatriz B Bentley, Beatriz B. Bentley or Beatriz Bentley will NOT be accepted. The name must be entered exactly as stated on the invoice.
- Please enter your Certificate Number as stated exactly on your invoice.
- If your certificate number contains a string of leading zeros, like this example, please include leading zeros when registering.
- Enter your Date of Birth using DD/MMM/YYYY format. This is a different format than on your invoice.
- What three character abbreviations for calendar months are accepted: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sept, Oct, Nov, Dec.
If these three tips don't resolve your Portal registration issues, please email info@insurecpa.ca with the subject: 'Portal Registration Request' with a brief description of your problem so that an Licensed Advisor can get back to you as soon as possible.
Payments and Billing
Due to privacy and security concerns, we are no longer able to accept credit card payments over the phone. Credit card payments are now accepted through the Client Portal.
1. Annual Payment Option:
- To pay with credit card: Go to the Portal > Click on Invoices > Pay Now.
- To pay with Online Banking: add InsureCPA as a Payee, just as you would to pay a utility bill.
- Your Account Number is the last 5 digits of your certificate number.
2. Monthly Pre-Authorized Debit (PAD) Option:
- To sign-up for monthly pre-authorized debit (PAD) payments: Complete the following form as instructed. Enroll in PAD now.
- If you are currently on the monthly pre-authorized debit (PAD) plan, no action is required. You are automatically renewed, and your first payment will be withdrawn on the 20th of the next month (e.g. signing up on June 15, the first payment will be July 20).
If you’re enrolled in pre-authorized debit (PAD) payments, your payment arrangement will automatically continue each year — no action is needed on your part.
If you’d like to update or change your banking information, please visit this link to submit your new details.
If you have any questions or need assistance, our Licensed Advisors are happy to help. You can reach us toll-free at 1-800-661-6430 or email info@insurecpa.ca.
Insurance Questions
Life Insurance
Life Insurance: You need it, and we can save you money.
Asking yourself “what will happen when I’m gone”, is the first step in recognizing the importance to the wealth of the people you care about most.
What is InsureCPA Term Life Insurance?
We’ll break it down nice and simple.
Term Life Insurance is coverage that is in place on an agreed-upon period, in other words, a ‘term’.
During the term, the insured (you) will pay an annual premium to the insurer (us). This premium is determined by your age and the amount of insurance you purchase.
When you make payments for Term Life Insurance, you are securing a benefit payout to the people you select as your beneficiary / beneficiaries in the event, you pass during the term of coverage. A selected recipient, also called a beneficiary, can be your spouse or common-law partner, your children, business partner, or any qualified charities.
How much coverage do you need?
We have built a calculator to answer just that: Calculate here
Who is encouraged to apply for Term Life Insurance?
For those who live with compassion, who are responsible, the go-getters, and the dependable.
To be eligible for our Term Life Insurance Plans you need to be one of the following: a CPA member, a CPA member’s spouse, or a CPA member-candidate in good standing with the Chartered Professional Accountants of Canada.
To keep things straightforward, we’ve listed the top 5 reasons why a CPA needs Term Life Insurance:
01 If you have a mortgage.
02 If you have debt.
03 You are a sole proprietor, or you own and operate a family-owned business.
04 If you have loved ones that are dependent on you financially.
05 You have a child or are planning to have children.
If you’d like to know more information, please send us an email to info@insurecpa.ca with the subject: ' Term Life Insurance Inquiry' and we can set up a time to discuss further.
Thank you for your interest!
Up until age 75. There is a 50% coverage reduction at age 66 and an additional 25% reduction at age 70.
Potentially. Any new coverage or increases in existing coverage require a full application form submitted to Desjardins for underwriting. It is up to the underwriter's discretion as to what is required.
You may:
- Be approved right away
- Be asked to do a 20 minute telephone underwriting call with a nurse from Dynacare or the underwriter themselves.
- Complete a paramedical exam (height, weight, blood pressure), and lab tests (blood and urine)
A nurse from Dynacare can come to your home or office free of charge to complete this
Everyone will have a different need for Life Insurance and it will evolve over time as you experience different stages of life. Often a life event such as, marriage, homeownership, and children will factor into the right amount of coverage. Please utilize our Needs Assessment tool or speak to one of our helpful Advisors.
Critical Illness Insurance
There is a 30-day survival period after the critical illness diagnosis. After the 30-days you will receive the benefit as a one-time lump-sum payout.
31 conditions are covered which include cancer, heart attack, stroke, and coronary artery disease. Speak to an advisor for more details.
Critical Illness is a living benefit and is paid to the named insured directly tax free. This tax-free benefit helps you maintain lifestyle, seek alternative treatments, pay for the hidden costs of treating an illness etc.
ADD Insurance
Accidental Death and Dismemberment payout is very specific in that the death or dismemberment must be a result of an accident only.
You may want to consider Accidental Death and Dismemberment if you live a higher risk lifestyle. For example, extensive driving or travel, or you participate in high risk activities such as motorcycles, cross country snowboarding/skiing, mountaineering, etc.
Long-Term Disability Insurance
Under our plan, if you maintain your CPA designation you are eligible under the plan. Your occupation is still subject to underwriting and will need approval.
You are eligible to remain on claim until you can return to work or until age 65.
This program is designed to help you maintain your lifestyle should something happen to you. To determine how much you need, we suggest you calculate your monthly expenses (mortgage, utilities, food, car, insurance, other essentials) to determine your baseline survival amount
Group Employee Insurance
Our Group Employee Benefits Program offers a comprehensive suite of coverage options, including:
- Life Insurance
- Accidental Death & Dismemberment Insurance
- Dependent Life Insurance
- Critical Illness Insurance
- Short-Term Disability Coverage
- Disability Management Advisory Services and Salary Continuance Support
- Long-Term Disability Coverage
- Extended Health Care
- Virtual Health Care Services
- Employee and Family Assistance Program (EFAP)
- Dental Care Coverage
- Health and Wellness Spending Accounts (Flexible Spending Accounts)
- Tailored Plan Design – Benefits solutions customized to the needs of your firm and employees.
- Personalized Service – Dedicated support from professionals who understand the CPA community.
- Administrative Support – Assistance with implementation, onboarding, plan changes, and ongoing administration to help reduce your workload.
The InsureCPA Group Employee Benefits Program is designed specifically for small to mid-sized CPA firms across Western Canada seeking a comprehensive and efficient employee benefits solution. We manage the administration and ongoing support of your benefits program, helping reduce your firm's administrative burden while providing employees with access to competitive, high-quality coverage.
Eligibility requirements may apply. Please contact us for details.
Help / Support
This booklet is provided as a summary for information purposes only. It highlights key terms and conditions of your benefits with InsureCPA, but does not include all details.
Please note that benefits are administered according to the full terms and conditions of the master contract, which may be updated from time to time by mutual agreement between the Insurers and InsureCPA.
If you’d like more information or have questions about your coverage, our Licensed Advisors are happy to help. By calling toll-free at 1-800-661-6430 or emailing info@insurecpa.ca
InsureCPA Individual Insurance Summary 2026-2027.pdf
1.9MB
Other
If you’d like to increase your coverage or add additional benefits, you’ll need to complete a new application form and receive medical underwriting approval from our Insurer.
Please note that any changes take effect only after approval by our insurance provider.
You can connect with our Licensed Advisors by calling toll-free at 1-800-661-6430 or emailing info@insurecpa.ca
All applications are reviewed by our Insurer, and in some cases, additional medical information may be required.
Once your application is approved, your premiums will be pro-rated from the first day of the month following approval through to the end of the policy year (March 31).
Please note that all insurance coverage renews annually on April 1.
If you have any questions about your application or coverage start date, our Licensed Advisors are happy to help. By calling toll-free at 1-800-661-6430 or emailing info@insurecpa.ca
If you’re under the age of 65, you may be eligible for conversion options for the following benefits:
- Term Life
- Critical Illness
To apply for conversion, you must submit a written application directly to the Insurer and pay the required premiums within 31 days of your coverage ending under this policy.
The new individual policy will follow the terms, conditions, and coverage amounts of the Insurer’s standard individual insurance plans available at the time of conversion.
Please see the master contract for full terms and conditions regarding conversion privileges. If you require further assistance, you can connect with our Licensed Advisors by calling toll-free at 1-800-661-6430 or emailing info@insurecpa.ca
Your premiums are based on your age at the time of annual renewal (April 1). When you move into a new age bracket, your premium will adjust accordingly. You can refer to the Age Brackets table below for more details.
If you’d like help understanding your premiums or have questions about your coverage, we’re happy to assist. You can book a convenient time for one of our Licensed Advisors to call you, or you can contact us directly at 1-800-661-6430.
If you haven’t smoked cigarettes, cigarillos, cigars, a pipe, or used any tobacco products or substitutes, such as nicotine gum, patches, or e-cigarettes, in the past 12 months, you may qualify for lower premiums.
To update your status, please complete our Non-Smoker Declaration Form. Once submitted, a copy will automatically be sent to our team for verification and processing.
If you require further assistance, you can connect with our Licensed Advisors by calling toll-free at 1-800-661-6430 or emailing info@insurecpa.ca
To reduce your coverage, please complete our reduction form. Once you’ve submitted the form, a copy will automatically be sent to our team for verification and processing.
Please note that reductions cannot be backdated. Any changes will take effect on the date we receive your signed form at InsureCPA. One of our friendly Advisors will follow up to confirm your request.
If you require further assistance, you can connect with our Licensed Advisors by calling toll-free at 1-800-661-6430 or email info@insurecpa.ca
To cancel your coverage, please complete our Cancellation Form. Once you’ve submitted the form, a copy will automatically be sent to our team for verification and processing.
Please note that cancellations cannot be backdated. Your coverage will end on the date we receive your signed form at InsureCPA. One of our friendly Advisors will follow up to confirm your cancellation request.
If you require further assistance, you can connect with our Licensed Advisors by calling toll-free at 1-800-661-6430 or email info@insurecpa.ca.
InsureCPA members can keep their insurance coverage after retirement as long as they remain a member in good standing with their provincial CPA body.
If you have questions about maintaining your membership after retirement, please contact your provincial CPA body directly for more information.
If you’d like help understanding how your coverage continues post-retirement, our Licensed Advisors are happy to assist. You can reach us toll-free at 1-800-661-6430 or email info@insurecpa.ca.
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