TRANSITION Critical Illness Insurance Personalized Complete Affordable MADE FOR YOU! Personalized Complete Affordable Qayam Lalji, BSc Assistant Director of Sales Invested in you.

Sales Leader in the CI Market 2nd 1st Overall Brokerage network Source: LIMRA

FOUNDATIONS FOR THIS NEW PRODUCT Maintaining our competitive positioning in the PERMANENT market Strengthen our competitiveness in the TERM market Develop new market opportunities Introduce a Medical Second opinion program Provide a solution to suit all budgets

The PRODUCT

Product Enhancement New CI medical definitions Benchmark 2.0 Prevention + benefit Increase from 10% to 15% Addition of 3 illnesses (for a total of 7 medical conditions) Thyroid cancer Lymphocytic leukemia Intestinal cancer Benefit could be paid up to 4 times

Flexible comprehensive coverage to meet your specific needs TRANSITION 25 Illnesses Flexible comprehensive coverage to meet your specific needs

Complete Solution for All Clients

Flexible Comprehensive Coverage 25 ILLNESSES Term coverages Permanent coverages T10 T20 T75 T100 T100 20-year payment T100 10-year payment T25 *NEW*

Permanent coverage only Flexible Return of Premiums (ROPS) Permanent coverage only Permanent coverages: T75 T100 ROPS Good option for business owners 100% of premiums after 15 years

Permanent coverage only Flexible Return of Premiums (ROPS) Permanent coverage only Permanent coverages: T75 T100 ROPS Good option for pre-retirees 100% of premiums at age 65

Permanent coverage only Flexible Return of Premiums (ROPS) Permanent coverage only Permanent coverage: 100 T100 20-year payment ROPS 100% of premiums after 20 years Good option for children

Early Access to Liquidity 35 Duration ROPS 15 ROPS 20 5 years 15% 10 years 50% 15 years 100% 75% 20 years We are the only insurer to offer a 15% refund after only 5 years NS $50,000 Duration ROPS 65 To age 55 15% To age 58 36% To age 63 70% To age 65 100% Automatic policy loan also available for premium holiday

Return of premiums upon death (ROPD) 25 T10 T20 T25 T75 T100 T00 20-year Payment ROPD rider available on all term and permanent coverages

A quick and affordable solution you can count on TRANSITION 4 Illnesses A quick and affordable solution you can count on

4 ILLNESSES Cover 85% of all claims Cancer 85% Stroke Heart attack Aortic surgery 85% Term coverages T10 T20 T25 *NEW* To offer your clients affordable solutions!

4 ILLNESSES Term coverages T10 T20 New sales opportunities for the mortgage market T25 *NEW* Decreasing to 50% term coverages for T10, T20 and T25!

4 ILLNESSES T75 T100 Provide even more flexibility T100 20-year Payment All permanent options are available on the 4 illnesses product Provide even more flexibility All ROPS are available: ROPS 15 ROPS 65 ROPS 20 Return of premiums upon death available on all options

Transition 4 illnesses An affordable solution Average reduction vs Transition 25 illnesses Age 20 30 40 50 60 T10 T20 T25 T75 T100 T100 20-year payment -20% to -30%

Transition 4 Illnesses Adapted to compete in the mortgage market CI – Bank (3 or 4 illnesses) Transition – 4 illnesses Coverage decreases to 50% of the original protection Guaranteed and level premiums Life or disability insurance still valid after a CI payment Ability to choose the coverage amount Coverage is guaranteed for life Coverage decreases to 0 with loan balance Increasing premium No more life insurance after a CI payment Cannot choose the coverage amount Need to reapply when changing lender

Even more affordable with the decreasing to 50% option Average reduction vs Level coverage Age 20 30 40 50 T10 T20 T25 -10% to -15%

Fast and Simple Application Process 4 8 simple questions in EVO or F1A 25 10 additional questions in EVO or F1A Instant acceptance for almost half of your clients

More Flexibility than Transition Simplified Issue NEW Transition – 4 illnesses Illnesses covered 4 Prevention + No Yes Qualification 9 questions (Yes/No) 8 simple questions with EVO Max protection: $100,000 Up to $2.5M* (regular underwriting criteria) Automatic decline if “Yes” No automatic decline Paper application (F32A) EVO or Regular application (F1A) Options T10, T75 T10 (D), T20 (D), T25 (D), T75, T100, T100 QP20 Premium 10% to 15% average reduction 20% to 30% average reduction Available for children No Yes *May require medical underwriting

TRANSITION A turnkey solution for young children or 25 4 All products and coverage are available for children Include 5 juvenile illnesses Include Prevention + benefit Juvenile diseases will be harmonized between our different children's products (Child – Life and Health Duo, Transition Child Rider, Transition)

Transition is adapted to fit all budgets $114.60/month Example: $$$$ 35 25 illnesses $$$ $93.42/month $$ $21.40/month 4 illnesses $ NS $50,000 $14.67/month T10 D T10 T20 D T20 T25 D T25 T75 T75 ROPs T100 T100 ROPs T100 QP20 ROPs D = Decreasing to 50%

New feature in the software Face amount Premium New feature in the software Comparison of available options: By premium By face amount Your client can choose

CI rider provides a great mix with Life Insurance T100 – QP 20 4 T10 Decreasing T20 Decreasing T25 Decreasing CI as a rider on: Traditional Insurance

25 4 ILLNESSES T10 T20 T25 T75 T100 T100 – QP 20 OR ROPS15 or ROPS65 Decreasing ROPS15 or ROPS65 ROPS20 ROPD Available from age 0 to 65* Coverage from $10,000 to $2,500,000 5 juvenile illnesses for children Prevention + benefit included Second medical opinion program No medical testing > age 50 & > $200,000 Face Amount Base CI coverage available as riders on: Traditional insurance, Genesis UL, EquiBuild *Maximum age can vary depending the on plan

Our Competitiveness T10 T20 T25 T75 T75 + ROPS 65 Very competitive

Medical Second Opinion Our new partner, based in the U.S., is a world leader in the medical second opinion field Millions of clients in over 40 countries Service will be available for existing and new clients Medical Second Opinion

Medical Second Opinion Simple and easy process One phone number to call (client) They collect all medical information from the client Within 10 business days of receiving the medical information, they provide the medical second opinion and a treatment plan The client can ask for a second opinion even if he or she has not sent a CI claim

Other Changes Products no longer available for sale: Transition Evolution Transition Simplified Issue

New CI Transition Protection A solution with great flexibility A 50% decreasing option for the mortgage market A solution for every budget ROPs that generate cash from the 5th year A second medical opinion service - MediGuide Accelerated subscription with EVO 8 simple questions (Transition - 4 illnesses)

Thank you INVESTED IN YOU.