desjardins securite financiere

What desjardins securite financiere does

Desjardins Sécurité Financière is the life and health insurance subsidiary of the Fédération des caisses Desjardins du Québec, Canada's largest cooperative financial institution founded in 1900 and ranked 8th globally among cooperatives by revenue (World Cooperative Monitor 2025). The company operates as part of the broader Desjardins Group, which provides a fully integrated suite of retail and commercial financial services across banking (mortgages, loans, lines of credit, Visa credit cards with BONIDOLLARS rewards, Accord D installment financing), insurance (life, health, auto, home, credit balance, group, and cyber), wealth management (Disnat self-directed brokerage, Desjardins Gestion de patrimoine, Fonds Desjardins mutual funds, registered plans RRSP/TFSA/RPP), corporate banking and treasury services, factoring, and fiduciary/trust services. Its distribution model combines a coast-to-coast Canadian branch network (caisses) with the AccèsD digital banking platform (web and mobile iOS/Android apps), AccèsD Affaires for business banking, and specialized wealth portals — augmented by phone advisory, broker/dealer channels, and US operations through Desjardins Bank.

The technology stack centers on the AccèsD platform supporting fund transfers, bill payments, mobile check deposit, Interac e-Transfer, and integrated insurance portfolio viewing, with security built on BioCatch behavioral biometrics, voice biometric authentication, two-step verification, Auth0 authentication services, and Akamai CDN delivery. Desjardins pursues AI/ML for fraud detection (anomaly detection across behavioral signals), predictive credit scoring and risk assessment, and automated insurance underwriting. Major technology initiatives include an October 2026 modernization of the credit card management system introducing a new corporate card platform with role-based access controls, real-time BONIDOLLARS balance updates, and conversion of Accord D financing into personal loans with preferential pricing.

Revenue mechanics span subscription-recurring premiums (insurance, balance protection priced at $0.75 per $100 of covered balance monthly), interest income on lending products, transaction-based fees (Interac transfers), wealth management fees on managed funds and advisory, and corporate banking spreads. Customer segments are diversified across individuals and families (including youth/students aged 18-30, pre-retirees, new arrivals, professionals), small and medium enterprises across sectors (real estate, employers, professionals), and specialized vertical segments (rental property owners, condo associations, teachers). The cooperative member-ownership model returns profits to members through rebates (ristourne) and community reinvestment, with over $50 million invested annually in youth development through the Tous engagés pour la jeunesse initiative. Distribution relies on integrated digital marketing (Adobe, Google, Meta, LinkedIn programmatic advertising), content marketing through financial advice articles and calculators, and multi-platform social media presence.

Name

desjardins securite financiere

Legal name

Fédération des caisses Desjardins du Québec

Website

https://dsf-dfs.com

Company type

Private

Founded year

1900

Operating status

Operating

Short description

Desjardins Sécurité Financière is the life and health insurance subsidiary of Canada's largest cooperative financial group, providing integrated banking, insurance, wealth management, and business financing to retail and SME members across Canada.

Ownership category

akta.pro rank

Product category

Life and Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Portfolio Management and Investment Advice (523940)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Variable Universal Life (VUL) Insurance (FSAIABAD), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Life insurance products
• Health insurance coverage
• Group insurance plans
• Savings and investments
• Retirement planning services

Headquarters

HQ city

Lévis

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Banking and Credit Services: Revenue from interest income on mortgages, personal loans, lines of credit, and credit cards; transaction and account fees; and interchange fees on credit and debit cards.
2. Insurance Premiums: Credit balance protection insurance, auto and home insurance, group insurance, individual life and health insurance, and cyber risk insurance for businesses. Premiums are charged monthly or per coverage event.
3. Wealth Management and Investment Products: Managed investment funds (Fonds Desjardins), guaranteed investment products, self-directed brokerage (Disnat), wealth management advisory, and retirement savings plans (RRSP, TFSA, RPP).
4. Corporate Banking and Financing: Commercial lending, term loans, cash management, treasury services, capital markets, factoring (Affacturage Desjardins), and business credit cards for enterprises.
5. Fiduciary and Trust Services: Trust services through Fiducie Desjardins, custody services, and estate planning.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Desjardins Sécurité Financière provides life and health insurance, savings, and retirement products for individuals and groups in Canada. As the insurance and savings arm of Mouvement Desjardins, DSF offers individual insurance (auto, home, life, accident, credit balance), group insurance for employers, savings and investment products including registered accounts (RRSP, TFSA, FERR/CELI), wealth management and private banking services, group retirement savings plans, and cybersecurity insurance for businesses (CyberSuite Plus).

Product overview

Desjardins Sécurité Financière is a cooperative financial group offering a comprehensive suite of banking, credit, insurance, and wealth management products. The core product ecosystem centers on AccèsD (individual online banking) and AccèsD Affaires (business banking) platforms, complemented by the Services mobiles Desjardins mobile application. Credit products include Visa credit cards with BONIDOLLARS rewards and Accord D financing. Savings and investment offerings encompass term savings, registered accounts, and wealth management. Insurance products cover auto, home, life, and credit balance protection. Additional services include Interac money transfers, cybersecurity insurance (CyberSuite Plus), and online brokerage through Disnat. The company is undergoing a major credit card system modernization in October 2026, introducing a new corporate card platform and enhanced digital services.

Differentiator

Problem solved

Functional benefit

Brands

• AccèsD: Online and mobile banking platform for personal banking services
• AccèsD Affaires
• BONIDOLLARS
• Accord D
• Desjardins Courtage en ligne (Disnat)
• Desjardins Gestion de patrimoine
• Protection Desjardins
• CyberSuite Plus

Products and services

• Individual Insurance (Auto, Home, Life, Accident) Personal insurance products for Desjardins members and individual customers covering automobile, home, life, accident, and related personal risks, with online dossier access via the Assurances auto et habitation portal.
• Group Insurance for Employers Group insurance solutions sold to employers covering employee life, health, disability, and dental benefits, used as HR tools for talent attraction and retention.
• Savings and Investment Products Term savings with promotional rates, registered accounts (CELI, REER, FERR), guaranteed investment products (Fonds Desjardins), and other personal savings vehicles for individuals.
• Wealth Management and Private Banking Private banking, investment management, and financial planning services delivered through Desjardins Gestion de patrimoine Valeurs mobilières and Gestion privée Desjardins for high-net-worth individuals and families.
• Credit Balance Insurance (Assurance solde de crédit) Credit card balance protection insurance that repays outstanding credit card debt in cases of death, disability, or involuntary job loss, plus psychological, legal, and autonomy assistance services. Priced at $0.75 per $100 of covered balance plus tax, billed monthly.
• CyberSuite Plus Cybersecurity Insurance Comprehensive cybersecurity insurance for businesses covering financial losses from data breaches, phishing, malware, and ransomware attacks.
• Group Retirement Savings Plans (Épargne-retraite collective) Group retirement savings vehicles for employers and employees, including pooled registered pension plans and complementary retirement savings plans administered by Desjardins.
• Fonds C Cybersecurity Financing Grant Non-repayable grant of up to $20,000 for eligible businesses to strengthen cybersecurity, including firewall installation, software upgrades, and staff training.
• Fiducie Desjardins Trust Services Fiduciary and trust services delivered through Fiducie Desjardins, including custody services and estate planning for individuals and institutions.

Quantifiable outcome

• 1st cooperative financial group in Canada, 8th globally by revenue
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability7 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• CyberecocoreStrategic or Co-development PartnerCybereco is a strategic partner providing cybersecurity risk evaluation tools and the Cybertrousse (cyber toolkit) for businesses. Desjardins promotes Cybereco's cybersecurity risk diagnostic tool and educational content to its business customers as part of its cybersecurity advisory offering.
• VisacoreTechnology or IntegrationVisa is the payment network for Desjardins business credit cards (Visa* Affaires). The Solutions Libre-Affaires package includes a Visa business card. Visa branding and trademarks are referenced on card products.
• Interac Corp.coreTechnology or IntegrationInterac provides the Interac e-Transfer service used by Desjardins for real-time money transfers. Desjardins integrates Interac e-Transfer functionality within AccèsD, supporting auto-deposit, fund requests, and cancellation features. Interac MD and Virement Interac MD are registered trademarks of Interac Corp.
• Apple (Apple Pay / Apple Wallet)coreTechnology or IntegrationApple Pay and Apple Wallet integration for contactless payments and digital card provisioning. Desjardins credit and debit cards can be added to Apple Wallet. The company references Apple Wallet in its card management and replacement FAQs.
• Google (Google Pay / Google Wallet)coreTechnology or IntegrationGoogle Pay and Google Wallet integration for contactless payments and digital card management. Desjardins credit and debit cards are compatible with Google Wallet. Referenced in card management and replacement procedures.
• Facebook/MetaminorGTM or Marketing PartnerFacebook is used for social sharing, social login authentication, and targeted advertising. Desjardins maintains an official presence on Facebook (@desjardins). Meta's advertising platforms are used for retargeting and audience-based ad campaigns.
• LinkedInminorGTM or Marketing PartnerLinkedIn is used for professional social media presence (Mouvement Desjardins company page) and targeted B2B advertising to professionals and businesses. LinkedIn profile data is used to analyze site user demographics.
• BiocatchcoreTechnology or IntegrationBioCatch provides behavioral biometrics and fraud detection technology that analyzes user behavior (mouse movements, typing patterns, device interactions) to detect and prevent account takeover and session compromise in real time.
• Auth0coreTechnology or IntegrationAuth0 provides secure authentication services for Desjardins' digital platforms, enabling secure access to authenticated online services.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Manulife Financial: Canada's largest life and health insurer with significant wealth and retirement businesses, serving individuals and groups across Canada and globally. Direct competitor to Desjardins Sécurité Financière across life, health, group benefits, and wealth management product lines.
• Sun Life Financial: Major Canadian life, health, and wealth management insurer with strong group benefits and retirement operations. Competes head-to-head with Desjardins in individual and group insurance, savings, and retirement products across Canada.
• iA Financial Group (Industrial Alliance): Quebec-headquartered insurer with strong individual life and health, group benefits, wealth management, and dealer financing franchises. Closely comparable regional peer to Desjardins with overlapping product portfolio and Quebec market presence.
• Co-operators (The Co-operators Group): Canadian-owned cooperative insurer offering life, health, property and casualty, and investment products across Canada. Closely aligned cooperative model to Desjardins, with overlapping insurance and wealth product categories.
• reat-West Lifeco (Canada Life): Subsidiary of Canada's largest insurance group offering life, health, wealth, and group retirement products. Directly comparable to Desjardins Sécurité Financière across life/health underwriting, group benefits, and wealth management.
• Beneva: Mutual insurer formed from the merger of SSQ Insurance, La Capitale, and others, serving Quebec and Canadian markets with life, health, and property and casualty insurance. Direct competitor in the Quebec cooperative/mutual insurance market.

Broad incumbents

• RBC Insurance / Royal Bank of Canada: Wealth, insurance, and banking arm of Canada's largest bank with broad life, health, travel, and creditor insurance offerings. Competes with Desjardins across multiple categories as part of a much larger diversified financial platform.
• National Bank of Canada: Quebec-headquartered Schedule I bank offering retail banking, insurance via National Bank Life Insurance, and wealth services. Regional broad incumbent competing with Desjardins in Quebec and across Canadian provinces.

Others

• Crédit Mutuel: French cooperative banking group offering retail banking, insurance, and wealth management under a mutual cooperative structure. Thematically comparable international peer given both organizations operate large-scale cooperative financial models.

Emerging players

• Wealthsimple: Canadian digital wealth management and investing platform offering self-directed investing, managed portfolios, and tax-advantaged accounts. Emerging player competing for Desjardins' younger members in the savings and investment category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/mouvementdesjardins
• Facebookfacebook.com/desjardins
• LinkedInlinkedin.com/company/desjardins
• Instagraminstagram.com/desjardinscoop

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about desjardins securite financiere