To fulfill a child's dreams…

To fulfill your child's dreams… Your child's dreams are your dreams too. You want to do everything that is within your power to help your child's dreams come true. Education – Travel – Projects Family – Home – Hobbies DESJARDINS INSURANCE

To fulfill your child's dreams… The best way to help them realize their dreams Is to plan today and ensure that tomorrow's challenges can be overcome. DESJARDINS INSURANCE

To fulfill your child's dreams… If your child is diagnosed with a critical illness: Harmony New Generation will allow you to take time away from work and family obligations to be with your child. DESJARDINS INSURANCE

Challenges can be overcome While unlikely, it is possible that your child could die prematurely: Harmony New Generation will allow you to take time away from work to devote yourself to your family's healing process and adjust to your loss. DESJARDINS INSURANCE

If your child is diagnosed with a critical illness… Due to advances in medical treatment, your child will survive. During a serious illness, your child will need his/her parents by their side. DESJARDINS INSURANCE

Coverage in case of critical illness With Harmony New Generation, you will be there to help: Take time away from work; Seek the best diagnosis and medical treatment without delay; Get the help you need; Minimize the psychological and financial impact and ensure your child's wishes are realized. DESJARDINS INSURANCE

Coverage in case of critical illness Covers up to 31 illnesses/conditions including 6 childhood illnesses Autism Rett's syndrome Cystic fibrosis Type 1 diabetes mellitus Cerebral palsy Muscular dystrophy DESJARDINS INSURANCE

Coverage in case of critical illness With 25 illnesses/conditions covered forever… Cancer Major Organ Failure on Waiting List Major Organ Transplant Kidney Failure Bacterial Meningitis Severe Burns Etc… DESJARDINS INSURANCE

Coverage in case of critical illness Covers serious complications caused by 4 infectious diseases: West Nile virus Lyme disease E.Coli infection Necrotizing fasciitis (flesh-eating disease) Exclusive to Desjardins Insurance! DESJARDINS INSURANCE

Coverage in case of critical illness Prompt Recovery Free assistance services including Best Doctors: To confirm the diagnosis; To establish the best possible treatment plan; To direct you to the best specialists and health centres in your area or abroad; To take charge of the different steps related to your child's admission to a health care facility. DESJARDINS INSURANCE

If your child dies prematurely… With Harmony New Generation, you can: Afford to take some time away from work to give your family what they need most: Time with you! DESJARDINS INSURANCE

If your child remains healthy… With Harmony New Generation, you will have tax-free cash to help your child: Pay for higher education Purchase a first home Start a new business Relocate to a job Fulfill their dreams…and your dreams too! DESJARDINS INSURANCE

If you cancel your policy… Duration Percentage of the premiums refunded, tax -free After 5 years 25% After 10 years 50% After 20 years 100% DESJARDINS INSURANCE

Between $25,000 (minimum) and $250,000 (maximum) Different Options Insurance amount: Between $25,000 (minimum) and $250,000 (maximum) DESJARDINS INSURANCE

Number of critical illnesses/conditions covered: Different option Number of critical illnesses/conditions covered: 28 illnesses, including 3 child illnesses - Autism - Rett's Syndrome - Cystic Fibrosis 31 illnesses, including 6 child illnesses - Autism - Rett Syndrome - Cystic Fibrosis - Cerebral Palsy - Type 1 Diabetes Mellitus - Muscular Dystrophy DESJARDINS INSURANCE

Why not consider adding some Life Insurance? Different options Premium Payment Options: 20-year payment Lifetime payment Why not consider adding some Life Insurance? For additional information and all conditions, exclusions and restrictions, please refer to Harmony New Generation insurance contract. DESJARDINS INSURANCE

Because your child's dreams … In conclusion Because your child's dreams … are your dreams too! DESJARDINS INSURANCE