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Guaranteed Issue Life Insurance Instant Issue No Medical Requirements Limited Underwriting Questions Return of premium + __% if death occurs within first 2 years Guaranteed Cash / Surrender Values

Guaranteed Issue Life Insurance: Wawanesa Life Return of Premiums + 10% in first two years Issue ages 45 to 75 Level Cost of Insurance, paid up in 20 years Death benefit is paid in full (even if living) after the later of 20 years or age 85 Automatic Premium Loan after 3 years Application in the brochure 5 qualifying questions Pays: FYC = 45%, Bonus = 150%

Guaranteed Issue Life Insurance: Assumption Life Return of Premiums + 3% in first two years Level Cost of Insurance to Age 100 Non-participating, permanent insurance Online Application with Signature page 4 – 10 qualifying questions Pays: FYC = 45%, Bonus = 180%

Guaranteed Issue Life Insurance: Assumption Life Golden Protection (Ages 45 to 80) Max $50,000 10 underwriting questions Golden Protection Plus (Ages 45 to 80) Max $30,000 increasing by 3% per year until it doubles Total Protection (Ages 18 to 80) $5,000 - $30,000: 4 underwriting questions $30,001 to $50,000: 7 underwriting questions

Guaranteed Issue Life Insurance: Wawanesa Life Within the last two years, have you had a stroke, heart attack or been advised to have heart surgery? Within the last three years, have you consulted a physician for, or received treatment for, cancer? Within the last three years, have you been declined for individual life insurance by Wawanesa Life or any other insurer? Have you been diagnosed, treated for, or had any indication of AIDS or AIDS related complex? Are you currently restricted to a wheel chair, bedridden, hospitalized or confined to a nursing facility requiring full time care?

Golden Protection (Max $50,000) In the past two (2) years, have you had an application for life insurance (other than group insurance or group mortgage insurance) rejected or postponed? Are you presently hospitalized, in a nursing facility, bedridden or confined to a wheelchair, or have you been advised that this is required due to your present condition? In the past two (2) years, have you had an amputation as a result of disease?

Golden Protection (Max $50,000) 4. In the past two (2) years have you been diagnosed, hospitalized, or treated (other than by medication) for any of the following conditions: Angina, heart attack, heart failure or cardiomyopathy? Cancer (other than basal cell carcinoma)? Leukemia? Chronic kidney disease?

Golden Protection (Max $50,000) 5. In the past two (2) years, have you been prescribed a new medication or required a change in dosage in your medication for any of the following conditions: angina, heart attack, heart failure, cardiomyopathy, cancer (other than basal cell carcinoma), leukemia or chronic kidney disease? 6. In the past two (2) years, have you been diagnosed or hospitalized for: (a) Chronic respiratory condition that required the administration of oxygen? (b) Liver disease (other than fatty liver)? (c) Diabetic coma or insulin shock? (d) Cerebrovascular accident (stroke)?

Golden Protection (Max $50,000) 7. In the past five (5) years have you received an organ transplant or a bone marrow transplant or were you advised that one was required due to your condition? 8. Have you ever tested positive for HIV or undergone treatments (including medication) for AIDS or AIDS-related complex? 9. Have you ever been diagnosed or treated (including medication) for any of the following conditions: amyotrophic lateral sclerosis (Lou Gehrig's disease), Alzheimer`s disease or dementia? 10. Have you been diagnosed or treated for any incurable terminal illness (for which you have been advised that you have less than 12 months’ life expectancy)?

Golden Protection Plus (Max $30,000, doubling to $60,000) Same 10 questions as Golden Protection

Total Protection ($5,000 - $30,000) 1. Is this application intended to replace an existing individual life insurance? 2. Are you now hospitalized or bedridden to a clinic, a nursing home, a rest home, a hospital, a special care institution or at your residence? 3. Have you been treated for any type of cancer during the past three (3) years? 4. Have you been informed that you have tested positive for the Human Immunodeficiency Virus (HIV) or have you been informed that you have Acquired Immune Deficiency Syndrome (AIDS) or any aids-related disease?

Total Protection ($30,000 - $50,000) 5. Within the past two (2) years, have you had any application for insurance rejected or postponed? 6. Within the past two (2) years, have you been hospitalized for heart disease? 7. Within the past five (5) years: (a) Did you receive an organ transplant or a bone marrow transplant or were you advised that one was required due to your condition? (b) Were you diagnosed or treated (including medication) for an illness such as amyotrophic lateral sclerosis (Lou Gehrig's disease), progressive bulbar paralysis, cor pulmonale or any other incurable terminal illness?

Case Study #1 46 year-old male Cerebral Palsy Turned down for life insurance 18 months ago No dependents Wants to leave money to charity

Case Study #1: Wawanesa Life  (return of premium + 10% in first 2 years) Instant Issue (Max $50,000 – 5 underwriting questions): - $151.07 per month (Paid to age 80, with guaranteed cash surrender values)

Case Study #1 Assumption Life Golden Protection (Max $50,000 – 10 q’ns) $116.55 per month Golden Protection Plus (Max $30,000 increasing to $60,000 – 10 questions) $95.26 per month Total Protection (Max $50,000 – 7 q’ns) $131.45 per month Total Protection (Max $30,000 - 4 q’ns) $214.29 per month

Case Study #1 Solution Client decided to take Total Protection from Assumption for $30,000 6 months from now he can switch to Golden Protection Plus, when he can answer no to question about whether he has had an application declined in last 2 years (starts a new 2 year window) Charity was made irrevocable beneficiary (premiums are tax deduction to the estate)

Case Study #2 62 year-old male Diabetes, with complications Let his term insurance lapse 2 years ago Could have kept $50,000 for $100 per month Wife concerned about debt and funeral expenses as he is the income earner

Case Study #2: Wawanesa Life  (return of premium + 10% in first 2 years) Instant Issue (Max $50,000 – 5 underwriting questions): $350.82 per month (Paid up in 20 years, with guaranteed cash surrender values)

Case Study #2 Assumption Life Golden Protection (Max $50,000 – 10 q’ns) $301.50 per month Golden Protection Plus (Max $30,000 increasing to $60,000 – 10 questions) $253.61 per month  Total Protection (Max $50,000 – 7 q’ns) $469.22 per month Total Protection (Max $30,000 - 4 q’ns) $284.41 per month

Case Study #2 Outcome Client decided not to take insurance at this time: “Our reasons for getting insurance initially are no longer in force; the children are grown and we can pay for final expenses from our savings. What debts we have left are being handled, and the $40,000 or so that the insurance would cost (annual premiums x the 10 years or so we hope to continue to live at a minimum) would be spent better elsewhere.”  Offer clients an investment that by-passes probate

Opportunities Who do you know that... Has had health challenges? Has been turned down for insurance?