Condition… Critical Critical

“It only happens to others, it won’t happen to me.”

 Coma  Major burns  Paralysis  Loss of limbs  Major organ transplant  Major organ failure  Deafness  Blindness  Loss of Speech  Stroke  Heart attack  Cancer  Alzheimer’s  Parkinson’s  Coronary artery bypass surgery  Multiple Sclerosis  Benign brain tumor  Kidney failure Who Do You Know?

What Are the Odds?  1 out of every 3 Canadians will contract a life- altering illness during their lifetime  1 in 2 heart attack victims is under the age of 65  a new case of cancer is diagnosed every 4 minutes…that’s 131,400 new cases in 2001  The chance of a critical illness “attack” on any of us is much higher than that of death, before retirement

Health Care in Canada  Do you have complete confidence in the current health system?  Do you think the system will get better or worse in the next years?  Do you think Canadians will seek superior medical support elsewhere? YesNo

Where Will the Money Come From?  Bank account?  Family?  Bank loan?  Canada Pension Plan disability benefit?  Sell your home?  RRSP?

How About... a lump sum, tax-free payment upon the diagnosis of one of the covered critical illnesses

Needs …individuals market  Seek timely treatments elsewhere  Substitute reduced or permanently lost income  Pay off mortgage or other loans  Change lifestyle  Enable spouse to take leave of absence  Fulfill dreams

Needs …small business market  Pay debts  Ensure continuity of operations  Replace or buy-out key employees  Maintain quality of service to clients

Facts...  People with a critical illness incur very serious financial consequences.  67% of costs related to cancer treatment come from indirect expenses NOT covered by provincial health plans.  Half of mortgage foreclosures are as a result of disability - 90% of disabilities are from illness and NOT accident.

Ask Yourself...  Would I rather suffer a heart attack and lose my home? OR  Would I rather suffer a heart attack and lose my mortgage?

 If you knew that you would be diagnosed with cancer in five months, would you buy this insurance?  How do you know that you won’t be? Ask Yourself...

You need insurance not only because you are going to DIE, but because you are going to LIVE! Critical Illness Insurance

Life Insurance is DEATH insurance Life Insurance is DEATH insurance Critical Illness Insurance is Critical Illness Insurance is LIFE insurance LIFE insurance Critical Illness Insurance

And Remember... It wasn’t raining when Noah built the Ark! It wasn’t raining when Noah built the Ark!