1. Build-your-own term, disability and critical illness insurance The better solution for your clients

2. New Features! Terms - T10, T30 & T35 Rate bands – Simplified issue for $249,999 or less New Child Insurance Benefit (CIB) rider Available as a first-to- die joint policy Modification of the term – Between the 2 nd and 5 th anniversary Issue age

3. CoverageLevel Minimum$50,000 Maximum$4,000,000 PremiumsGuaranteed level Simplified IssueUp to $249,999 Rate banding $50,000 to $99,999 $100,000 to $249,999 $250,000 to $499,999 $500,000 to $999,999 $1,000,000 BeneficiaryChosen by policy owner Term Life Insurance

4. ConversionYes, after 1 st anniversary Modification of termYes, between 2 nd and 5 th anniversary PortableYes Proof of loanNot required RenewableYes Joint policyYes Commission45% FYC Term Life Insurance

6. Child Insurance Benefit Rider (CIB)

7. Sum Insured$10,000 or $20,000 per insured child Insured child Each child of the insured who is single and dependent upon the insured for support and at least 15 days but less than 18 year old Premium payment period Premiums are payable until the first of the following dates: The expiry date of the policy or life insurance rider to which the CIB rider is attached. The CIB rider anniversary nearest the 65th birthday of the insured (parent). Issue ages 18 to 60 years of age of the Insured (parent) CIB Rider

8. Expiry date On the child’s 21st birthday; or On the child’s 25th birthday if he or she is registered as a full-time student; or On the rider anniversary nearest the insured’s (parent) 65th birthday. Conversion Yes Application and payment for permanent life insurance must be received during the 90-day period preceding the expiry date. Maximum permanent life insurance coverage cannot exceed 5 times the sum of this rider (including the conversion of any other CIB rider in force with Assumption Life). CIB Rider

9. Disability Insurance Your choice of disability benefit used as: Mortgage or loan replacement; or income replacement.

10. Loan Payment ReplacementIncome Replacement Integrated to other DI benefits No, DI replaces payment of loan. Yes, DI replaces income. Age at issue18 to 55 Minimum$300 Maximum 1% of initial life insurance without exceeding $3,000. DI from all sources cannot exceed 75% of the average monthly income from last 12 months. Simplified issueYes, up to $1,500 Availability Only available with life insurance Proof of loan Required upon claim. Must be eligible loan. Not required, not linked to loan. Disability Insurance

11. Loan Payment ReplacementIncome Replacement Waiting period 90 consecutive days with retroactive payment to the 61 st day of disability Conversion Possible to convert to “Income Replacement” DI. N/A Maximum amount of benefit Lesser of: - Amount of DI specified in the policy; or - Sum of monthly regular payments (capital and interest) of all loans specified on the application that are active at the date of total disability. Lesser of: - Amount of DI specified in the policy; or - An amount which, combined with other monthly income from all other sources during the disability period, does not exceed 75% of the average monthly employment income of the insured during the 12 months immediately preceding the date of disability. Disability Insurance

12. Eligible loans for DI (loan payment replacement) Loans with a remaining duration of 5 years at the time the insurance application is signed and an initial amortization period of at least 15 years. Eligible loans include mortgage loans, personal loans, personal lines of credit, leases on an asset, Home Buyers Plan.

13. “24/48”: Payment period ends after 24 monthly income payments for same disability or 48 monthly income payments for different disabilities or the end of the policy or, for the “loan payment replacement” only, the end of the loan if earlier. DI Benefit Periods

14. Disability definition Disability means a condition resulting from an illness, an injury or a nervous disorder that prevents the insured from performing his regular duties in regards to: – the occupation in which he was engaged immediately before the date he became disabled; – his principal occupation; – any occupation for which the insured worked at least 20 hours per week for at least 8 weeks during the 12 months immediately preceding his total disability.

15. Critical Illness Insurance Rider

16. CI Rider Minimum coverage: $10,000 Maximum coverage: $25,000 All critical illness rider coverage for a single insured cannot exceed $25,000. This maximum amount will not take into account CI coverage before 2014 and still in effect. Joint policies - each insured can apply for a CI coverage amount of up to 50% of the amount of life insurance coverage, without exceeding $25,000 A pre-existing 12-month clause may be applicable

17. Cancer Heart attack Stroke Coronary bypass Kidney failure Blindness Major burns Organ transplant Awaiting major transplant Coma Aorta surgery Replacement of heart valves Aplastic anemia Bacterial meningitis Paralysis caused by an injury/ accident and not an illness Accidental dismemberment What’s covered?

18. Rates Male, Non smoker, Age 45, $250,000 FlexTerm FlexTerm Rank Lowest rate* Difference from lowest T10$37524$298$78 T15$4982$445$53 T20$58015$553$28 T25$6801 $0 T30$9852$883$102 T35$1,2701 $0 *Based on LifeGuide rates retrieved January 2015

19. Assumption Life is a thriving Canadian Mutual Insurance Company with over a century of experience! We provide a broad range of insurance and investments products such as: Life Insurance Group Insurance Investment products through well-know fund manager (AGF, Fidelity Investments, CI investments and Louisbourg Investments) Group Savings and retirement plans Mortgage Loans Who are we?

22. Corporate Overview Excellent rating, Am Best (14 years running) Solvency ratio: 251% (2013) Assets under Management: 1.3 billion

23. 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. Getting Started With Assumption Life

24. LIA – Electronic sales tool Multiplatform (PC, Mac, Android, iPad, Cloud Technology) Save to any device Your device directly to our underwriter Online or offline

25. Signature Page Don’t forget to fax or email us the signature form!

26. Non Face-to-Face Sales Referrals Replacement Up sell/ Cross sell Business where you want, when you want, how you want!

27. Delivery Receipt Remember no delivery receipt required!

28. Service - Second to none! Quick to respond Direct access to underwriters Free marketing materials Online training presentations Video sales tool

29. Promotion 50% FYC 45% + Received an extra 5% commission for the first 2 months*. * From March 9 to May 9 50%

30. Producer’s Corner Visit our www.producerscorner.cawww.producerscorner.ca

31. Production CreditsMinimum Production Units Broker60,00020 Broker + 1 guest75,00025 Qualification criteria table:

32. Doing Business With Us is Easy… and Smart!