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

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

3. 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

4. The PRODUCT

5. 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

6. Flexible comprehensive coverage to meet your specific needs
TRANSITION Illnesses
Flexible comprehensive coverage to meet your specific needs

7. Complete Solution for All Clients

8. Flexible Comprehensive Coverage25
ILLNESSES
Term coverages
Permanent coverages
T10
T20
T75
T100
T year payment
T year payment
T25 *NEW*

9. 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

10. 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

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

12. Early Access to Liquidity35
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

13. 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

14. A quick and affordable solution you can count on
TRANSITION Illnesses
A quick and affordable solution you can count on

15. 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!

16. 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!

17. 4 ILLNESSES T75 T100 Provide even more flexibility
T 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

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

19. 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

20. 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%

21. Fast and Simple Application Process4
8 simple questions in EVO or F1A 25
10 additional questions in EVO or F1A
Instant acceptance for almost half of your clients

22. 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

23. 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)

24. 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%

25. 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

26. 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

27. 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

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

29. 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

30. 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

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

32. 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)

33. Thank you
INVESTED IN YOU.