Name, DESIGNATION Title, Company Name Date

Protection for all life’s stages

Know your risks  Determine your risk level for:risk level  critical illness  disability  premature death

Conversation with Canadians  We asked …  1,000 Canadian homeowners  30 – 50 years of age  Household income $50K - $150K  They said …  70% told us they were concerned about the financial impact of being unable to work because of illness or injury  60% were concerned about providing for their family if they were to die unexpectedly Research was conducted online by Research House from March 7-15, 2011

We discovered … Only 8% of consumers surveyed own all three risk protection products

Why not? Maybe they haven’t been asked!

Historically  Three separate policies to apply for  Life  Disability  Critical Illness  Three underwriting assessments  Three bills to pay

What are your priorities?  If you suffer from a disability or critical illness, what would you want to be able to do?  Continue to make your monthly mortgage payments  Have the funds to allow your partner to take a leave of absence from work if you are recovering from a critical illness  Have extra money in case there are unexpected medical expenses, such as travel and accommodation costs  Receive a monthly income benefit in addition to your group long-term disability coverage

What are your priorities?  What if you die prematurely? What would your family want to be able to do …  Pay off the mortgage  Pay off other debts  Create an emergency fund  Provide for final expenses  Establish a child care fund  Establish an education fund  Provide an amount of money to meet income shortage

An innovative new product Synergy integrates life, critical illness and disability insurance within a single product package Synergy integrates life, critical illness and disability insurance within a single product package Life Insurance Policy Disability Insurance Policy Critical Illness Insurance Policy

Synergy amount of insurance Group insurance plan Additional income replacement needs Typically life, long-term disability and sometimes critical illness insurance Provides term life, disability and critical illness insurance in one easy to manage, affordable package A key level of coverage provided by most employers offering protection while employed The Synergy amount of insurance provides protection from liabilities and obligations that would put you and your family at risk if you were unable to work, suffered a critical illness or had an unexpected death before age 65 Additional life insurance needed to provide income replacement in the event of an unexpected death Synergy is a key component of the risk management foundation

Pool of money – how it works  Purchase a Synergy amount of insurance between $100,000 and $500,000  creates a pool of money called your available amount of insurance  Whenever a benefit is paid, your available amount of insurance reduces by that amount  Protection until available amount of insurance is reduced to zero or until age 65* * The Synergy solution expires on the Synergy anniversary nearest the insured’s 65 th birthday

Access to funds in three different ways Disability Insurance Policy Critical Illness Insurance Policy Life Insurance Policy The monthly disability benefit amount is the lesser of: 1.0.5% of the Synergy amount of insurance, and 2.the available amount of insurance The critical illness covered condition benefit amount is the lesser of: 1. 25% of the Synergy amount of insurance, and 2.the available amount of insurance The death benefit is 100% of the available amount of insurance

Coverage and cost – male example Age $100,000 coverage $250,000 coverage $500,000 coverage 35$32.49$63.12$ $39.66$79.16$ $62.66$126.66$ Monthly premium for male, non-smoker, 10-year renewable to 65

Coverage and cost – female example Age $100,000 coverage $250,000 coverage $500,000 coverage 35$41.66$88.33$ $55.08$117.08$ $66.66$141.66$ Monthly premium for female, non-smoker, 10-year renewable to 65

A Synergy claims example – Lisa  Purchases $300,000 of Synergy  Covered condition benefit 25% of $300,000 = $75,000  Available amount of insurance becomes $225,000 ($300,000 – $75,000)  Death benefit = $225,000 Second Claim  Disability claim before age 65 eligible to receive monthly benefit of 0.5% of $300,000 = $1,500  Monthly benefits = $12,000  Available amount of insurance becomes $213,000 ($225,000 - $12,000)  Death benefit = $213,000

A Synergy claims example – Jason  Purchases $250,000 of Synergy  Injured after eight years  claims a monthly benefit on his disability insurance policy  receives monthly benefit of 0.5% of $250,000 = $1,250  receives a total of $22,500 during disability time off work  Available amount of insurance is now $227,500  When Synergy expires Jason is able to convert this remaining amount, without medical underwriting* *This option is not available if you have received a critical illness covered condition benefit.

Other Synergy features  Optional Riders  Term Insurance — 10 year renewable to age 65  Child Protection — Child Protection rider - Life — Child Protection rider - CI  Access to Health Service Navigator  Information about the Canadian health care system  Second opinion service  Available immediately – no need to make a claim

Protection into the future  The Synergy solution expires at age 65  Offers the option to purchase a Manulife permanent life insurance product if an available amount of insurance remains – with no medical underwriting required  This option is not available if you have received a critical illness covered condition benefit

Next Steps

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