LifeBeat  It’s all about living !  Comprehensive Critical Illness Insurance Critical Illness + Long Term Care

LifeBeat? LifeBeat is: LifeBeat is:  an Advanced Critical Illness policy  a Comprehensive Critical Illness policy Available in face amounts of $100k - $2m Available in face amounts of $100k - $2m

LifeBeat – Primary Components Critical Illness Coverage to age 70 Long Term Care Insurance to age Conditions Covered 23 Conditions Covered plus LTC

LifeBeat – Available Riders Critical Illness Coverage to age 70 Comprehensive critical care Return of premiums at expiry (age 70) Return of premiums at death T 10 and T 70 level plans available

LifeBeat – Flexible riders Return of premiums at death 100% of modal premiums paid

LifeBeat – Flexible riders Return of premiums at expiry (age 70) Cancel and receive 100% of modal premium refund* LTC coverage begins and premiums reduced by 25% OR * Except CCC Rider

LifeBeat – Available Riders Comprehensive Critical Care Lump Sum Cognitive impairment 2 of 6 ADL’s Monthly Payments Serious Illness Injury OR

3. Comprehensive 3. Comprehensive Critical Care Critical Care Part #1: Lump Sum:  Cognitive Impairment  Loss of 2 of 6 ADLs LifeBeat: (L.T.C. Rider) Level & Renewable

Part #2: Monthly Payments:  any serious illness ( 30 days )  accidental injury ( 90 days ) LifeBeat: 3. Comprehensive 3. Comprehensive Critical Care Critical Care (Supplemental D.I. Top-up) Level & Renewable

Part #2 Monthly Benefit Payment:  $7.50 per $1,000. Base Plan  Minimum = $750 per month  Maximum =$7,500 per month LifeBeat Riders: Comprehensive Critical Care

LifeBeat Riders: Part #2 (cont’d) Monthly Benefit Payment: Begins:  30 Days - Most Cases  90 Days - Muscular or Skeletal Disorders  Unable to Perform Regular Occupation Comprehensive Critical Care

LifeBeat Riders: Part #2 (cont’d) Monthly Benefit Payment:  24 Months, Per Incident  2nd Payer  70% Pre-Tax Net Earned Income Comprehensive Critical Care

LifeBeat Riders: Part #2 (cont’d) Monthly Benefit Payment:  Claims Cannot Exceed Policy’s Face Amount  Face Amount reduced by Monthly Benefits Paid  Face Amount reinstated when 3 Years Claims Free Comprehensive Critical Care

LifeBeat - The most powerful solution in the marketplace Return of premium Based on modality Refund Reduce Prepay

LifeBeat - The most powerful solution in the marketplace Conversion to LTC Guaranteed Guaranteed rates Based on original age

LifeBeat - The most powerful solution in the marketplace Flexible LTC claim options after age 70: 25% of face amount plus monthly Income Monthly Income Indexed at 3%

LifeBeat - The most powerful solution in the marketplace LTC monthly income Guaranteed for a minimum of 5 years 25% of face amount plus monthly Income Monthly Income Indexed at 3%

Assumptions: 1. Level LifeBeat 2. ROP at Death & Expiry Monthly Premium = $510. Male 45 Nonsmoker $250,000. Option #1: At Age 70  $153,000. Refund  Plan Terminates Level Plan to Age 70 to Age 70$359. $29. ROP Death $29. ROP Expiry$122.

Assumptions: 1. Level LifeBeat 2. ROP at Death & Expiry Level Plan to Age 70 $359. ROP Expiry $122. Monthly Premium =$510. LTC / C.I. $271. Male 45 Nonsmoker $250,000. Option #2: At Age 70  $38,250. Refund  Coverage Continues  Premium Reduced 25%  Pre-Pay Using Refund $ 271. Level Plan to Age 70 to Age 70$359. $29. ROP Death $29. ROP Expiry$122.

$271. LifeBeat’s LTC Pre-pay Option at Age 70 Monthly Premium at Age 70 $33,247. $38,250. Single Premium Amount Required ROP Refund at Age 70 (Death & Expiry) Refund / (Additional Sum) Required Plan Purchased at Age 45 by a Male Nonsmoker $250,000. Level +ROPD&E $ 5,003.

LifeBeat - Post Age 70 Benefits are paid for either either Long Term Care condition, or Long Term Care condition, or a Critical Illness

LifeBeat : Summary of Riders Critical Illness Insurance To Age R.O.P. at Death 2. R.O.P. at Expiry (Age 70) Full Refund Policy Terminated 25% Refund 25% Discount Convert LTC 3. C.C.Care 3. C.C.Care LTC (Lump Sum) Supplemental Illness & Injury (Monthly) Level Option only

LifeBeat: Competitive compensation T100 50% FYC Plus bonus LifeBeat 55% FYC Plus bonus

LifeBeat “The New Benchmark For All Critical Illness & Long Term Care Plans” “ It’s all about living!”

From - 23/05/2015 AXA supports advisors who practice needs based selling

AXA’s commitment to advisors  Enhanced compensation on T10, T20 and T70 products: Now 50% FYC + Bonus  Life insurance rates that are competitive in today’s market  Competitive product designs and features Remember…  Extreme Disability Benefit: A powerful and unique feature included in most of AXA’s life insurance contracts

AXA’s commitment to advisors  LifeBeat: Innovative critical Illness protection combined with LTC coverage  All-in-one easy to understand product  22 illnesses and coverages  Enhanced compensation on LifeBeat: T10 45% FYC, T70 55% FYC + Bonus

Thank You Paul Freedman (cell)