Desjardins Financial Security
Desjardins Financial Security is the life insurance and wealth management arm of Desjardins Group, a Canadian cooperative, offering insurance, retirement savings, and investment products to individual and business clients across Canada through digital and branch channels.
- Company typePrivate
- Founded1900
- HeadquartersLévis, Canada
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Desjardins Financial Security does
Desjardins Financial Security is the life insurance and wealth management arm of Desjardins Group, the largest cooperative financial institution in Canada. It operates through two primary subsidiaries — Desjardins Financial Security Life Assurance Company and Desjardins Financial Security Investments Inc. — delivering life and health insurance, retirement savings products, investment funds, and wealth management services to individual and business clients across Canada.
The company distributes its products through a multi-channel platform that combines the AccèsD online banking interface, Services Mobiles Desjardins mobile applications on iOS and Android, and the national Desjardins caisse (credit union) branch network. Business clients are served through employer-sponsored group insurance and group retirement savings programs, expanding beyond individual retail members. The technology stack is described as a traditional financial services platform rather than a digital-native or AI-enabled system, with no disclosed proprietary AI/ML capabilities in the input data.
Revenue is generated through insurance premiums, investment management fees, retirement savings administration fees, and wealth management service charges, with the cooperative mutual ownership model distributing economic returns across the member base. Per the World Cooperative Monitor 2025, Desjardins Group ranks 1st in Canada and 8th globally among cooperatives by revenue. In 2021, Desjardins co-invested with Connor, Clark & Lunn Infrastructure in a 560 MW US renewable power portfolio, signaling infrastructure asset investment activity beyond the core insurance and wealth product set.
Desjardins Financial Security firmographics
Firmographics- Name
- Desjardins Financial Security
- Legal name
- Fédération des caisses Desjardins du Québec
- Website
- https://desjardinsassurancevie.com
- Company type
- Private
- Founded year
- 1900
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Desjardins Financial Security is the life insurance and wealth management arm of Desjardins Group, a Canadian cooperative, offering insurance, retirement savings, and investment products to individual and business clients across Canada through digital and branch channels.
- Ownership category
- akta.pro rank
Desjardins Financial Security industry classification
Industry- Product category
- Cooperative Insurance and Financial Services
- NAICS
- Finance and Insurance (52), Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910), Trust, Fiduciary, and Custody Activities (523991), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Savings Institutions, Not Federally Chartered (6036), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
- akta.pro secondary industries
- Fund Accounting & NAV Services (Asset Servicing) (FSAAAOAF), Securities Safekeeping & Asset Servicing (Core Custody Ops) (FSACAHAF)
Keywords
Where Desjardins Financial Security is headquartered
LocationHeadquarters
- HQ city
- Lévis
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Desjardins Financial Security business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Banking and Financial Services: Traditional banking revenue including interest income from loans and mortgages, fee income from banking services, and premium income from insurance products. The cooperative structure means returns are distributed to members via ristournes (dividends).
- Insurance Premiums:
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
Desjardins Financial Security product offering
Product offeringCore offering
Desjardins Financial Security provides insurance (life, health, auto, home, individual, and group), retirement savings products (individual and collective), wealth management and investment services (Fonds Desjardins, term savings, online brokerage via Disnat, advisory securities services), and digital banking (AccèsD, AccèsD Affaires, mobile app) to individual members and business clients across Canada through subsidiaries Desjardins Financial Security Life Assurance Company and Desjardins Financial Security Investments Inc. The company operates within the Desjardins cooperative group and integrates its offerings with the broader network of credit union branches, digital platforms, and customer service channels serving over its 125-year history.
Product overview
Desjardins Financial Security operates as part of the broader Desjardins Group cooperative financial institution, offering a comprehensive suite of financial products and services for individuals and businesses. The core digital banking platform is AccèsD (with AccèsD Affaires for businesses), complemented by mobile banking through the Services mobiles Desjardins app. Investment services include online brokerage via Disnat and wealth management through Desjardins Gestion de patrimoine Valeurs mobilières. Insurance offerings cover auto, home, and individual insurance with online policy management. Savings and investment products include term savings (Ép@rgne à terme), investment funds (Fonds Desjardins), registered accounts (CELI, REER, FERR), and group retirement savings. The ecosystem integrates online and mobile channels with physical service points across Canada, ranked 1st in Canada and 8th globally by assets among cooperative financial institutions.
Differentiator
Problem solved
Functional benefit
Brands
- AccèsD: Online and mobile banking platform for individual members
- AccèsD Affaires
- Desjardins Courtage en ligne
- Desjardins Gestion de patrimoine
- Desjardins Bank en ligne
Products and services
- AccèsD Online banking platform enabling individual members to manage accounts, transfer funds, pay bills, deposit checks, view statements, and access insurance policies and investment portfolios.
- AccèsD Affaires Online banking platform for business members providing treasury management, account access, and financial services management.
- Services Mobiles Desjardins Mobile banking application available on iOS and Android enabling account management, fund transfers, bill payments, check deposits, and access to insurance and investment services.
- Disnat (Desjardins Courtage en ligne) Online brokerage platform offering self-directed investing services for Desjardins members.
- Desjardins Gestion de patrimoine Valeurs mobilières Wealth management and securities services providing investment management and portfolio advisory services.
- Assurances auto et habitation Auto and home insurance products enabling policyholders to manage coverage and file claims online.
- Ép@rgne à terme Term savings product with promotional rates (3.15% for 25 months as of July 2026), available in registered and non-registered accounts.
- Fonds Desjardins Investment funds offered through the Desjardins portfolio platform for wealth management and retirement planning.
- Épargne-retraite collective Collective retirement savings administered for employers and participants across Canada.
- Assurance individuelle et collective (Desjardins Financial Security Life Assurance Company) Individual and group life, health, and savings insurance products offered through Desjardins Financial Security Life Assurance Company.
- Desjardins Financial Security Investments Inc. Services Securities-related business and investment services, including registered dealing representative activities, operated through Desjardins Financial Security Investments Inc.
Quantifiable outcome
- Ranked 1st in Canada and 8th globally among cooperatives by revenue (World Cooperative Monitor 2025)
- +1 more outcomes
Companies that use Desjardins Financial Security
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Desjardins Financial Security technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Desjardins Financial Security partnerships and signals
Strategic signalScale indicators3 records
Recent moves4 records
Expansion highlights3 records
Desjardins Financial Security competitors and assessment
Company assessmentDirect peers
- Manulife Financial: Major Canadian life insurance, retirement, and wealth management provider with individual and group insurance products, directly competing with Desjardins Financial Security in life insurance, group benefits, and retirement savings.
- Sun Life Financial: Canadian life insurer and wealth manager offering individual insurance, group benefits, and retirement products across Canada, competing head-to-head with Desjardins Financial Security in insurance and retirement.
- Canada Life (Great-West Lifeco): Canadian life insurance, group benefits, and wealth management provider (subsidiary of Great-West Lifeco) directly comparable to Desjardins Financial Security across insurance and retirement product lines.
- iA Financial Group: Canadian insurance and wealth management company with individual and group insurance, savings, and retirement products; competes with Desjardins Financial Security in the Quebec/Canadian insurance market.
- Intact Financial Corporation: Canada's largest P&C insurer offering auto, home, and commercial insurance; competes directly with Desjardins Financial Security's auto and home insurance offerings.
- Vancity: Canadian credit union and cooperative financial institution offering banking, insurance, and investment services; directly comparable as a Canadian member-owned cooperative competing in similar retail and business banking segments.
- Co-operators: Canadian cooperative insurance and financial services company offering property and casualty, life, and wealth products; comparable as a Canadian cooperative peer competing in insurance and wealth across Canada.
Broad incumbents
- National Bank of Canada: One of Canada's Big Six banks headquartered in Montreal, offering retail, commercial, wealth, and insurance products; a broad incumbent competitor to Desjardins across banking and insurance.
Emerging players
- Wealthsimple: Canadian digital wealth management and brokerage platform competing with Desjardins' Disnat brokerage and investment fund offerings, particularly among younger and self-directed investors.
- Questrade: Canadian online brokerage and savings platform competing with Disnat in self-directed investing and with Desjardins' savings and investment fund products on price and digital UX.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Desjardins Financial Security social profiles
Digital presenceDesjardins Financial Security financial estimates
Financial estimateRevenue estimate
Valuation estimate
Desjardins Financial Security leadership team
Management profileNumber of profiles
Desjardins Financial Security subsidiaries and ownership
Company hierarchySubsidiaries2 records
Desjardins Financial Security funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Desjardins Financial Security M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Desjardins Financial Security
What does Desjardins Financial Security do?
Desjardins Financial Security provides insurance (life, health, auto, home, individual, and group), retirement savings products (individual and collective), wealth management and investment services (Fonds Desjardins, term savings, online brokerage via Disnat, advisory securities services), and digital banking (AccèsD, AccèsD Affaires, mobile app) to individual members and business clients across Canada through subsidiaries Desjardins Financial Security Life Assurance Company and Desjardins Financial Security Investments Inc. The company operates within the Desjardins cooperative group and integrates its offerings with the broader network of credit union branches, digital platforms, and customer service channels serving over its 125-year history.
Is Desjardins Financial Security a public or private company?
Desjardins Financial Security is a private company. It is classified as management employee owned and is currently operating.
When was Desjardins Financial Security founded?
Desjardins Financial Security was founded in 1900. It employs 1,001 to 5,000 people.
Where is Desjardins Financial Security based?
Desjardins Financial Security is headquartered in Lévis, Canada, in the North America region.
How does Desjardins Financial Security make money?
Two revenue lines are on record. Banking and Financial Services are the primary driver. The others are insurance Premiums.
Who are Desjardins Financial Security's main competitors?
Direct peers on record are Manulife Financial, Sun Life Financial, Canada Life (Great-West Lifeco), iA Financial Group, Intact Financial Corporation, Vancity and Co-operators. National Bank of Canada is listed as a broad incumbent. Emerging players are Wealthsimple and Questrade.
Does Desjardins Financial Security have an API?
No public API is recorded for Desjardins Financial Security.
What industry is Desjardins Financial Security in?
Desjardins Financial Security's product category is Cooperative Insurance and Financial Services. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory, with a secondary code of FSAAAOAF, Fund Accounting & NAV Services (Asset Servicing). Its NAICS code is 52 and its SIC code is 6311.