1. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Disability insurance Could you afford not to have it?

2. 2/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Agenda Why do you need disability insurance? How does it work? What are the options? SOLO Disability Income features Examples How can you buy it?

3. 3/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Whether it's…

4. 4/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY mortgage or rent

5. 5/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY groceries

6. 6/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY car payments

7. 7/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY daycare

8. 8/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY tuition fees

9. 9/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY or any other expenses…

10. 10/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY We all have bills to pay… every month…

11. 11/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY And if suddenly, you were unable to work and earn an income What would you do?

12. 12/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY What do you think your most valuable asset is? Is it your property… your vehicle… your investments …something else? Age$24,000$36,000$60,000$120,000 25$1.809,630$2.714,445$7.247,986$14.495,973 30$1.451,090$2.176,635$5.419,218$10.838,437 35$1.141,810$1.712,715$3.986,331$7.972,662 40$875,022$1.312,534$2.863,626$5.727,252 45$644,889$967,333$1.983,957$3.967,914 50$446,374$669,561$1.294,714$2.589,428 55$275,133$412,700$754,673$1.509,347

13. 13/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Your income is a most valuable asset that you will acquire during your lifetime. That is why : Disability Insurance = Basis of your financial security Everybody is millionaire!

14. 14/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY When you buy a car: You call immediately car insurer to protect it! From the other perspective…

15. 15/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY When you buy a house: You call immediately home insurer to protect it! From the other perspective…

16. 16/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY When you buy stainless steel appliances: You will probably insure them if something goes wrong. From the other perspective…

17. 17/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY But when you earn your salary and have no disability protection to protect it, do you buy disability insurance right away? Disability Insurance = Basis of your financial security If you have no income, will you have enough money to pay your house, your car, your appliances, your other insurances if disabled? From the other perspective…

18. 18/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Revenues Expenses Disability Reality in case of illness or accident

19. 19/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY If you save for: 5 % of your income 10 % of your income 15 % of your income 2 years1 ½ months3 months4 ½ months 5 years3 ½ months7 ½ months11 months 10 years7 ½ months1 year et 3 months1 year et 10 months A long-term disability (90 days & +) can be bad for your financial security! How long could you live off your savings?

20. 20/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY AgeProbabilityAverage duration 2540%2 years and 2 months 3039%2 years and 8 months 3537%3 years and 1 month 4034%3 years and 6 months 4531%3 years and 11 months 5026%4 years and 2 months 5521%4 years and 5 months Probability of becoming disabled before age 65 and average duration of disability for 90 days or more

21. 21/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY How does disability insurance work? It pays you a monthly benefit: to replace your income when you are not able to work due to an illness or accident

22. 22/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Main components 1.Monthly benefit 2.Waiting period 3.Benefit period

23. 23/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Options Regular occupation period –2-year –5-year –Up to 65 years Residual or partial disability Cost of living Future insurability option

24. 24/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY SOLO Disability Income unique features 1 1 st day in case of hospitalization or day surgery (For waiting periods of 90 days and less) No

25. 25/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY SOLO Disability Income unique features 2 1 st $1,200 guaranteed No integration and no coordination apply for the first 36 months No

26. 26/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY SOLO Disability Income unique features 3 5 x your monthly benefit if you are diagnosed with 1 of the 25 critical illnesses Disabled or not Paid on top of your benefit No

27. 27/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Covered critical illnesses Cancer Heart attack Stroke Coronary Artery Bypass Surgery Multiple sclerosis Parkinson Paralysis Kidney failure … Total: 25 illnesses!

28. 28/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY SOLO Disability Income unique features 4 An extra 5% paid on top of the benefit starting on the 13th month of your disability income payment (in a DFS savings account) If $2,000 benefit, it means an extra of $100! No

29. 29/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY SOLO Disability Income unique features 5 5 x the monthly benefit in case of death (Paid if the death occurs while receiving disability benefits) No

30. 30/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY SOLO Disability Income unique features Regular occupation period Residual or partial disability Cost of living Future insurability option Return of premium: up to 50% Furthermore, you could add those options:

31. 31/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Which job would you choose? Job A $33,000 per year $0 if you become disabled Job B $32,000 per year 90% of your net income up to age 65 if you become disabled

32. 32/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY How much does it cost? Classification120 days Up to age 65 2A$1,850/month Age25303540455055 Female$67$80$95$125$171$213$233 Male$53$63$78$106$151$196$225 PLUS Future insurability option $1,000

33. 33/34 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Next steps Monthly benefit Age 18 to 45 years46 to 55 years $0 to $2,00011 $2,001 to $3,99912 1.Medical questionnaire 2.Medical questionnaire, nurse visit, urine test

34. subtitles 34/34 FOR REPRESENTATIVES' USE ONLY Thank you!