Simplified life insurance solution for clients who want peace of mind and NO MEDICAL EXAM

Canadians Underinsured About 2 in 10 households have NO life insurance at all. Of those that have coverage over 30% believe they need additional coverage. Only 23 % of all households had an opportunity to buy through a personal meeting with a life agent. Almost HALF of Canadian households (6 million) admit they would have immediate trouble meeting expenses if a wage earner died. Not only are they underinsured … They know it !!! Source: LIMRA

Simplified Issue: What is it? Does not require a medical exam, blood test, fluid samples or doctor’s report. Easier to qualify for this type of life insurance than for traditional insurance. One of the fastest ways to get life insurance because of the simplified issue process.

Who is it for? People… – with certain issues that may cause a premium to be rated or a refusal on a traditional life insurance; or – who genuinely dislike needles or any type of medical exam; or – looking for a simple and fast process to get life insurance; or – who don’t want the value of their estate diminished by funeral costs and other final expenses; or – who want the tax-free death benefit to be paid quickly.

Addressing Procrastination Many Canadians put off buying insurance because they anticipate a difficult process, thinking it’s complex and confusing. 1 Simplified issue products are:  easy to understand;  easy to apply for. 1. Source: Billion Dollar Baby - The Sales Potential of the Underinsured Life Market in Canada (2007), LIMRA

Underwriting With simplified issue products like Golden Protection, the questionnaire on the application represents the underwriting process. If all the questions are answered “no”, the client is insurable. Clients don’t have to wait for weeks before finding out whether they’re insured or not. No premium rating.

Underwriting Issues Height and weight restrictions Diabetes DUI / Driving record Drug or alcohol abuse Depression / Anxiety MS / Parkinson High blood pressure High cholesterol Family health history Some of the elements that make it hard for people to get insurance: Who do you know are affected by one or more of these issues? A simplified issue life insurance like Golden Protection could be the solution for them.

Medical Questions - Golden Protection

Medical Questions – Golden Protection

What about cost? Premiums for a simplified issue life insurance are higher than those of a traditional whole life policy issued at the regular rate. This is due to the higher risk taken by the insurance company on this type of product. However, premiums for a simplified issue product may be lower than you think!

Cost Example Annual premium for $25,000 face amount for 60 year-old male non-smoker *5 th lowest premium in LifeGuide Sept edition for the WL/Guaranteed Life Pay category.

Cost Example Annual premium for $25,000 face amount for 60 year-old female non-smoker * 5 th lowest premium in LifeGuide Sept edition for the WL/Guaranteed Life Pay category.

What is it for? Due to the simple underwriting process, face amounts available are lower than traditional products. Mostly used to cover funeral costs and other final expenses. They can also be used to: – Cover small debts; – Grow the estate to be passed on to loved-ones; – Give to a charitable organization.

Permanent life insurance guaranteed level premium No medical exam, no APS, no fluids or needles Guaranteed cash values and excellent paid up value Available for smokers and non-smokers Available as a policy or rider (spouse) Issued with limited proof of insurability

Insurance amount doubles in case of accidental death In case of accidental death in a public transportation vehicle, beneficiaries receive 5 times the original insurance amount. Issue ages 40 to 85 Policy face amount $1,000 to $50,000 Guaranteed cash value and guaranteed reduced paid-up option after 3 years

Living benefit 50% of the sum insured in the event of a first-time occurrence of a terminal illness Transportation benefit $2,000 payable when death occurs at a site over 200 km away from primary residence Annual fee policy$60.00 rider (spouse)$30.00 Insurance coverage is immediate Online application approved within hrs FYC 45%

Deferred Option If your client has been declined for insurance within the past 2 years, they may still qualify for Golden Protection at the same rates. Two-year waiting period for the death benefit for non- accidental death. Accidental death benefit is immediate. FYC 35% DEFERRED

Same great features as Golden Protection+ Simplified life insurance that allows participants to increase their original coverage amount by 3% annually – without increasing their premiums!* * until the initial sum insured doubles or the insured’s attained age 100 on the coverage’s anniversary.

Permanent life insurance for clients aged 40 to 80 No medical exam, no needles or fluids, no APS Premiums and coverage that will never change Guaranteed cash value and paid up values Coverage amount from $1,000 to $30,000 Same great compensation of FYC 45%

Statistics - Diabetes Source: Public Health Agency of Canada (September 2011); using 2008/09 data from the Canadian Chronic Disease Surveillance System (Public Health Agency of Canada). Newfoundland and Labrador, Nova Scotia, and Ontario had the highest prevalence of diagnosed diabetes, while Nunavut, Alberta, and Quebec ranked lowest

Statistics - Diabetes Standardized to the global population. Source: Public Health Agency of Canada (2011); adapted from Shaw JE, Sicree RA, Zimmet PZ. Global estimates of the prevalence of diabetes for 2010 and Diab Res Clin Pract 2010;87:4-14. If incidence and mortality rates remain at the levels seen in 2009, the number of Canadians aged one year and older living with diabetes will reach 3.7 million (1.7 million females and 1.9 million males) by year 2018 representing an increase of 56%

Type 2 diabetes Cardiovascular disease Stroke Hypertension Hypothyroidism Congestive heart failure Fatty liver disease Pregnancy complications Psychological disorders Cancer Death Type 2 diabetes Cardiovascular disease Stroke Hypertension Hypothyroidism Congestive heart failure Fatty liver disease Pregnancy complications Psychological disorders Cancer Death Obesity can lead to:

Statistics – Obesity Worldwide * Taking in consideration a BMI > 30

Statistics – Canada’s Aging Population Number of children aged 14 and under and of people aged 65 and over, Canada, 1921 to 2011 Sources: Statistics Canada, censuses of population, 1921 to 2011.

Statistics – Canada’s Aging Population Source: HRSDC calculations based on Statistics Canada. Estimates of population, by age group and sex for July 1, Canada, provinces and territories, annual (CANSIM Table ); and Statistics Canada. Projected population, by projection scenario, sex and age group as of July 1, Canada, provinces and territories, annual (CANSIM table ). Ottawa: Statistics Canada, 2011.

How to get started 1 - Obtain a broker code: Complete the Broker Registration Form and send to your MGA. 2 - You will receive an from Assumption Life indicating your username, password as well as your broker code. Application system on your desktop.

How to get started… 3 – Download the Online Illustration and Application system on your desktop.

How to get started… 4 – This icon should appear on your desktop. 5 – Last step, complete your user profile, you are now ready to SELL ONLINE!

SELLING ONLINE

Easy for youEasy for your clientEasy money Easy for youEasy for your clientEasy money

WITH ONLINE APPS Get your business placed faster! Eliminate errors Get paid faster Increase productivity No need to carry around stacks of paper applications Related forms are all integrated into the e-app. Offer your clients a faster turn-around

WE DELIVER Simplified products < 5 days Quick Issue products < 2 days Simplified: Have answered Yes to one of the medical questions or have a face amount higher than $250,000. Quick Issue: Face amount of $250,000 or less, where client answers no to all questions.

We pay 2x WEEK

PERSONALIZED MARKETING SUPPORT

EXCLUSIVE VIDEO LEAD GENERATING TOOL

OUR MAIN FOCUS : MEETING YOUR NEEDS Doing business with us, is easy!