1. Critical Protection for you and your Retirement

2. Managing the retirement risk zone  Retirement risk zone  5-10 year period before and after retirement  Costs of a critical illness could put retirement plans at risk

3. Saving for retirement involves more than RRSPs

4. Meet Mike & Sandy  37 years old  Non-smokers  3 young children  Mike owns landscaping business  Sandy does the bookkeeping

5. Current status  $250,000 in retirement savings  Protecting future growth of assets  Believe adding to RRSPs will be sufficient

6. Scenario  Age 60, one is diagnosed with a critical illness  How will they cover the costs without using savings?

7. Suggestion  Consider critical illness insurance  Help protect retirement savings  Individually owned plan  Policy is affordable

8. Coping with a critical illness Without Critical Illness Insurance With Critical Illness Insurance  Have to spend $100,000, after tax, of their retirement savings to recover financially  Seriously impacts their retirement income  Nest egg protected from a $100,000 withdrawal  $100,000 critical illness insurance costs:  $927.84 for Mike & $824.76 for Sandy yearly  Equivalent of 0.70% of their current $250,000 RRSP portfolio 1 1 Annual premiums and assumes Mike and Sandy are non-smokers and select Lifecheque T75 with the Return of Premium on Death rider.

9. Covered conditions may include  Cancer  Coronary bypass  Heart attack  Stroke  Alzheimer’s disease  Aortic surgery  Benign brain tumour  Blindness  Coma  Deafness  Heart valve replacement  Kidney failure  Loss of limbs  Loss of speech  Major organ transplantation  Waiting list  Motor neuron disease  ALS or Lou Gehrig’s disease  Multiple sclerosis  Occupational HIV injury  Paralysis  Parkinson’s disease  Severe burns

10. Important notes The commentary in this presentation is for general information only and should not be considered investment or tax service to any party. Individuals should seek the advice of professionals to ensure that any action taken with respect to this information is appropriate to their specific situation. Manulife Investments is the brand name identifying the personal wealth management lines of business offered by Manulife Financial and its subsidiaries in Canada. As one of Canada’s largest integrated financial services providers, Manulife Investments offers a variety of products and services including: segregated funds, mutual funds, principal protected notes, annuities and guaranteed interest contracts. Manulife and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Financial Corporation.