1. GENESIS
UNIVERSAL LIFE

2. GENESIS
The Investment
of Your Life

3. Types of Coverage  Individual Coverage  Joint Insurance
2 lives - 1st death, last to die
and last-to-die paid up on first death
3-5 lives 1st death and last to die

4.  Multiple Insureds Coverage
Types of Coverage
 Multiple Insureds Coverage
Up to 9 lives, including the principal insured
Possibility of more than one applicant
Accumulation fund paid to applicant or beneficiary according to proportion indicated in the application

5. Issue Ages
Basic U.L
Options

6. Minimum Face Amount
- $10,000 for all options
- Lowest in Industry

7. Rate Bands
Band $10,000 - $49,999
2 $50,000 - $99,999
3 $100, ,999
4 $200, ,999 Bands 4,5, & 6
5 $500, , eligible for preferred rates
6 $1,000,000 +

8. Premium Payment Choices
Monthly
Annual

9. Individual Joint Multiple
Policy Fees
Individual Joint Multiple
1st Insured $ $ 90 $ 120
Additional Insured $ $ 30*
3rd Insured
Maximum Policy Fees $ $ $ 120
* No additional fees if the insured is one of the spouses.

10. Death Benefit Choices Face Amount Only Face Amount + Fund
Face Amount + Fund with Wealth Maximizer Option
Wealth Maximizer
Plus 2 new choices!!

11. Face Amount + Guaranteed ROP
Death Benefit = Face Amount +Higher of:
a) Fund Value
b) All Deposits Paid
Available at Issue Only
All COI types

12. Face Amount + Fund + ACB Death Benefit = Face + Fund + ACB
Corporate Cases Only
Available at Issue Only
All COI Types

13. Cost of Insurance Types
YRT
Level
Level with Guaranteed paid-up-option
YRT to Level
YRT to Level with Guaranteed Paid-up-option

14. Change from YRT to Level/Quick Pay New Benefit!!
Available after 3 years
Rate then in effect based on attained age
No underwriting, same risk class
Can select to get a reminder in the application (not binding)
New Benefit!!

15. Unique 10-15-20 Options Fully guaranteed paid-up insurance
option after 10,15, or 20 years
Guaranteed Surrender Values
Not dependent on Investment Performance

16. Bonus Option (3 choices)
Interest Bonus
Bonus Option (3 choices)
1) No Bonus
MERS reduced by 1.2% for all accounts
2) Guaranteed Bonus
1.2 on all accounts
3) Performance Bonus
2% this year if last year’s average return > 5%
Option must be chosen at issue
Paid from end of first contract year and at end of each subsequent year

17. Surrender Charges
Level COI
No Surrender Charges on:
Options 10/15/20

18. Surrender Charges YRT COI Low Charge Schedule Face Face + Fund
Service Charge for 7 years
% of cumulative minimum premium

19. Surrender Charges YRT COI High Charge Schedule Maximize tax room
Face + Fund (Wealth Max. Option)
Face + ACB
Face + ROP
Service Charge for 7 years
% of cumulative minimum premium

20. Disability Benefit Contractual right
Up to 100% of the surrender value in case of disability
Non-Taxable Benefit

21. Additional Benefits T10 and T20 (R+C) Critical Illness T10
Child Critical Illness
Supplementary Income (SI)
Child Module

22. Additional Benefits AD
AD+D AF GI
CID
CAD
CADE

23. Guaranteed Interest Accounts
Investment Options
Guaranteed Interest Accounts
5 year average account
Fixed-term accounts (1,2,3,4,5, +10 years)

24. Guaranteed Interest Accounts
Available Terms Minimum Interest Rate
1 year, 2 year, 3 year 0%
4 years 1%
5 years 2%
10 years 3%

25. Market Indices Money Market Global Stocks Bonds  European Stocks
Global Bonds  U.S. Stocks
Canadian Stocks  U.S. Stocks (DAQ)
International Stocks

26. Diversified Strategy Prudent Account Moderate Account
Balanced Account
Growth Account
Aggressive Account

27. Active Management Canadian Bonds (IA) Diversified Growth (IA)
Diversified (IA) Canadian Stocks (IA)
Diversified (Fidelity) Canadian Stocks (Bissett)
Diversified Income(IA) Canadian Stocks (Fidelity)

28. Active Management Canadian Stocks (Dynamic) Global Stocks (New Star)
Canadian Stocks (Fidelity) NorthStar (Fidelity)
Small Cap
Canadian Stocks (Leon Frazer) Boomernomics (CI)
Global Stocks (Templeton) International Stocks (Templeton)

29. Active Management
European Stocks (Fidelity) Asian Stocks (Rothschild)
European Stocks (Rothschild) Emerging Markets (Temp)
U.S. Stocks (McLean Budden) Global Fin. Services (CI)
U.S. Stocks (Legg Mason) Global Health Care (Talvest)

30. Premium Changes Lower premiums for children
Rates: Decrease of 10% to 16%
More competitive for family cases
Decrease in Level COI band 2
$50k to $99k: average of 5%
More competitive for small insurance need

31. Premium Changes Option 10-15-20 JFTD Average increase of 3 to 5%
Still competitive
JFTD
Increase in ESA: +1 or +2 (à valider)

32. U.L. Availability Prior to Feb. 27, 2006 Genesis Meridia
New U.L. Product
Genesis
Flex Account

33. NEW UL Product ... Meridia Flex Account GENESIS UL PRODUCT OVERVIEW
U.L. Availability
After Feb. 27, 2006
Meridia
Flex Account
NEW UL Product ...
GENESIS UL

34. 1st year 2nd year 3 to 5 6 to 10 11 years
Compensation
1st year nd year to to years
Min. Premium 70% Level 5% 5% 3%
75% YRT 5% 5% 3% —
Excess Premiums 12% 3% 3% 3% 3%
Shuttle Acct % — — — —
Accumulation Fund — — — 0.2% 0.2%
options % 3% 3% 3% —
Plus CPB