F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales Felix Winstok, EPC Insurance & Financial Advisor (905)

F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales Why? The need for health and dental coverage. Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Agenda The need for health & dental coverage Tax deductibility Underwriting & Claims Who we are Product recommendation Felix Winstok, EPC Insurance & Financial Advisor (905)

F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales The need for health insurance. Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales The need for health insurance “The Government covers me” GHIP coverage is changing, it does not cover many of the things we were accustomed to in the past. Health insurance benefits provided by your Government will only cover the basic medical needs - like a trip to the doctor or hospital. You pay for prescription drugs, dental care and eyeglasses, semi-private hospital and much more that the Government only partially covers. Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales The need for health insurance Decline of Government involvement GHIP cut backs. Hospital closings - more need for homecare. Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales The need for health insurance “I’m healthy, I don’t need insurance” None of us likes to think about the possibility of becoming ill, but if an accident or illness were to happen it could cost you and your family your entire savings. (Peace of Mind). Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales The need for health insurance “I only claim a few things per year” Remember, the purpose of health insurance is to ensure your family’s financial security. Comfort of knowing you don’t have to worry about the uncertainties that come from relying entirely on our Government health care systems (Peace of Mind). Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales The need for health insurance “I have other financial priorities” Every year you could pay thousands in unexpected medical and dental expenses if you don’t have a health plan. (Potential to use up your savings on private care). Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales The need for health insurance Statistics relating to the frequency of serious illness amongst Canadians: Source: Statistics Canada

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Tax deductibility Deduction of premiums as a business expense Non taxable benefit for employees Still able to claim under medical expense for excess Consult an Income Tax Specialist for details May vary per province Felix Winstok, EPC Insurance & Financial Advisor (905)

F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales Legally speaking, We can’t give you a Manulife plan for free Can we? For: Self-employed individuals. Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Tax deductibility Typical individual health insurance premium-$ Tax saving at a 40% level-(420.00) Prescription drug expenses per year Dental expenses per year Contact lenses expense per year Chiropractor/Registered Massage Therapist expenses per year The cost to you $ 0.00 Non taxable benefit to employee Tax deductible for employer For self-employed

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Underwriting Philosophy Our intent is to offer coverage for an ailment or condition which arises in the future. -Offer exclusion, rating or lessor plan (Counter offers) vs. accept or reject -Some conditions unable to offer coverage -Enrolled 1 st of the month, no waiting period Guaranteed issue plans available to people with pre-existing conditions. Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Claims I.D card provided for up-front payment on most claims Currently 90% of all claims are processed electronically Claims Customer Service COVER-Me  ( ) -SecureServe TM (Internet support) -Drug Check ® Felix Winstok, EPC Insurance & Financial Advisor (905)

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Who is Manulife Canada was not yet 20 years old when The Manufacturers Life Insurance Company (Manulife Financial) was incorporated by an Act of Parliament on June 23, Sir John A. Macdonald, Canada's first Prime Minister, was elected President of the company. Over its long history, Manulife Financial has pioneered numerous innovative ideas in insurance. The company was among the first to offer life insurance to women on the same basis as men, the first North American insurance company to offer insurance to controlled diabetics, and one of the first Canadian life insurance companies to offer lower premium rates for non-smokers. Manulife Financial even became the first insurance company in Canada to embrace computer technology for use in its business operations back in Manulife Financial's vision is to be the most professional life insurance company in the world, providing the very best financial protection and investment management services tailored to customers in every market where we do business. Our Affinity Markets division draws on decades of experience in providing individuals and small businesses with health and dental insurance protection. Our unique health and dental insurance products are specifically designed to fill the gaps left in provincial health plans. We are committed to offering products that continue to meet the emerging healthcare needs of Canadians, and to providing excellent customer service.

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Who is Manulife Thanks to our vision and our long history of innovation, Manulife Financial today is a leading Canadian-based financial services group operating in 15 countries and territories worldwide. Through our extensive network of employees, agents and distribution partners, we offer clients a diverse range of financial protection products and wealth management services. Don't just take our word for it. Here's how others rate Manulife Financial's strength and claims paying ability: Standard & Poor's Moody'sA.M. Best Fitch Ratings DBRS AA+Aa2A++AA+IC-1

The Manufacturer Life Insurance Company - Affinity Markets – National Sales Who is Manulife Canada’s Only Health Insurance Company Offering Air Miles ® Manulife is proud to offer it’s individual customers the opportunity to earn Air Miles Reward Miles.There are many ways to earn Air Miles - including requesting a quote on Flexcare®. Felix Winstok, EPC Insurance & Financial Advisor (905)

F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales Product Recommendation Most of our clients are looking for Prescription Drug, Dental, Vision & Paramedical coverage. Do you agree? Felix Winstok, EPC Insurance & Financial Advisor (905)

F O O T E R The Manufacturer Life Insurance Company - Affinity Markets – National Sales We help you prepare for life’s unexpected turns Felix Winstok, EPC Insurance & Financial Advisor (905)