1. Non-Medical Term Life from one of the leading simplified product providers in Canada.

2. Underinsurance is a real risk for Canadians Source: Limra.com Canadian Life Insurance Ownership – Household Trends (2013), November 2013

3. Source: “Canadian Life Insurance Ownership: Household Trends”, LIMRA Underinsurance is a real risk for Canadians

4. Source: “Canadians at Financial Risk: 2013 Canadian Life Insurance Ownership Study Highlights”, LIMRA Underinsurance is a real risk for Canadians

6. Source: “Canadians at Financial Risk: 2013 Canadian Life Insurance Ownership Study Highlights”, LIMRA Underinsurance is a real risk for Canadians

7. Source: “Canadians at Financial Risk: 2013 Canadian Life Insurance Ownership Study Highlights”, LIMRA Advisor role is key

8. 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 have the highest prevalence of diagnosed diabetes, while Nunavut, Alberta, and Quebec ranked lowest

9. 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 2030. 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%

10. 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:

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

15. Canada’s Baby Boomers financing retirement with debt Baby Boomers are about $400,000 short of their retirement goal A 2012 Vanier Institute study shows Canadians over the age of 65 now have the highest insolvency and bankruptcy rates for their age group.Vanier Institute study Seniors are 17 times more likely to become insolvent in 2010 than they were in 1990. The insolvency rate for people aged 55 to 64 jumped by nearly 600 % over two decades and by a whopping 1,747 % for people age 65 and older. Source: Survey from credit-rating company Equifax,2013 The Current State of Canadian Family Finances: 2011–2012 Report, The Vanier Institute of the Family

16. What does this mean for your business ? Connect the dots…. Up sell existing GP clients or clients who only have permanent insurance. New market opportunity (Seniors needing additional term insurance to cover debts into retirement) A quick sale with a non- medical product Quick pay

17. Term Permanent Simplified Issue Full Underwriting A look at our current products

18. Competitors

19. People who have needs for temporary insurance: – Debts – Stay at home parent – Salary replacement – Key employee People looking for a quick and simple way of getting life insurance coverage without any medical exam and blood tests. For anyone who, for medical or other reasons, may have difficulty getting life insurance at standard rates. Any existing Golden Protection client who requires more life insurance coverage. Who can benefit from this new product ?

20. Product features

21. Terms available : Simplified issue – no medical exam, no blood tests Coverage is immediate as soon as the policy is issued. Non-participating term product Guaranteed level premiums for the term selected Available as an individual policy or as a rider on: – InstaTerm or InstaTerm Deferred if the insured is a person other than the insured under the policy (maximum of 1 rider). – Golden Protection, Golden Protection Deferred or Golden Protection Plus on the same insured (maximum of 1 rider) or on a person other than the insured under the policy (maximum of 1 rider).

22. Minimum coverage : $50,000 (monthly premium of $20) Maximum coverage : $150,000 – The sum of all InstaTerm, Golden Protection, Golden Protection Deferred, Golden Protection Plus and Total Protection policies for a single insured cannot exceed $200,000. Automatic renewal until the policy or rider anniversary nearest the insured’s 90 th birthday. Rates available for Smoker and Non-Smoker.

23. Issue age: 20 to 70 yrs old Annual fees: $80 policy, $60 rider Conversion to the Golden Protection product only – The conversion privilege is available if requested: after the first InstaTerm policy or rider anniversary; and when the insured’s age on his/her nearest birthday is at least 40. – If only part of the sum insured is converted, the policyholder may keep the InstaTerm coverage in force only if the remaining sum insured is at least $50,000. – The sum of all Golden Protection, Golden Protection Deferred, Golden Protection Plus and Total Protection coverages for a single insured cannot exceed $50,000.

24. Cost Example ProductAgeSex Coverage AmountTerm Monthly Cost InstaTerm30M$100,00010 $24.75 InstaTerm Deferred30M$100,00010 $29.61 InstaTerm40M$100,00010$28.71 InstaTerm Deferred40M$100,00010$37.53 InstaTerm45M$100,00010$32.58 InstaTerm Deferred45M$100,00010$51.03 InstaTerm60M$100,00010$112.50 InstaTerm Deferred60M$100,00010$195.93

25. Product features

26. Terms available : Simplified issue – no medical exam, no blood tests Non-participating term product Guaranteed level premiums for the term selected. The death benefit is deferred for the first two years. Available as an individual policy or as a rider on: – InstaTerm or InstaTerm Deferred if the insured is a person other than the insured under the policy (maximum of 1 rider). – Golden Protection, Golden Protection Deferred or Golden Protection Plus on the same insured (maximum of 1 rider) or on a person other than the insured under the policy (maximum of 1 rider).

27. Minimum coverage : $50,000 (monthly premium of $20) Maximum coverage : $100,000 – The sum of all InstaTerm, Golden Protection, Golden Protection Deferred, Golden Protection Plus and Total Protection policies for a single insured cannot exceed $150,000. Non-renewable Non-convertible Issue age: 20 to 70 yrs Annual fees: $80 policy, $60 rider Rates available for Smoker and Non-Smoker

28. Deferred protection If the death is non-accidental and occurs before the 2 nd anniversary of the policy, the death benefit is equal to the reimbursement of premiums with interest rate of 3%. The death benefit is equal to the sum insured: – If the insured’s death occurs from the 2 nd anniversary of the policy or rider; – or if the insured’s death is accidental and occurs within the first 2 years of the policy or rider.

29. Living Benefit – in the event of the 1 st time occurrence of a terminal illness at least 180 days after the date of issue of the policy or rider. – the policyholder qualifies for 50% of the sum insured (payable only after the 2 nd anniversary of the policy or rider. Transportation Benefit – An amount of $2,000 will be payable to cover the expense of transporting the remains to the primary residence If the death occurs at a location over 200 km away from the insured’s primary residence. – Payable only after the 2 nd anniversary of the policy or rider. Benefits

30. Other benefits available Accidental Fracture Plus, Child Insurance Rider, and/or Accidental Death. Child Insurance RiderAccidental DeathAccidental Fracture Plus

31. All questions must be answered No in order to submit the application Questions 1 to 11 – InstaTerm Deferred and InstaTerm Questions 12 to 27 – InstaTerm No rating available Underwriting

32. InstaTerm is convertible InstaTerm is available as rider InstaTerm has a build-in transportation benefit InstaTerm has a build-in living benefit More efficient and user-friendly electronic application system. Sweet spots

37. TermPermanent Simplified Issue Full Underwriting

38. Getting started with Assumption Life! 1 - Obtain a broker code: Complete the Broker Registration Form and send to your MGA. 2 - You will receive an email from Assumption Life indicating your username, password as well as your broker code.

39. lia.assumption.ca

46. Benefits of Lia  Reduces acquisition costs  Speeds up process and commission payment  Increases efficiency for everyone (broker, MGA and carrier)  Is a straight through process – data enters directly into our admin system  runs on almost any device*  Is leading-edge in the industry *Does not work on Lynux OS. Is not designed for smartphones.

48. We pay 2x WEEK

49. PERSONALIZED MARKETING SUPPORT

50. EXCLUSIVE VIDEO LEAD GENERATING TOOL

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