Assured Access Protecting Tomorrow’s Insurability Today 1

Group vs. Personal Health Plans Who chooses the plan design? Who pays the premiums? Are medical questions required? Who owns the contract? 2

Why is Access to a Personal Health Plan so Important? You can lose group benefits at any time Provincial health programs will not cover all your needs Important to access coverage while you’re healthy – Once sick, you may not qualify for the coverage you need 3

Important Questions for People With Group Health Benefits… 1.Will you qualify for a personal health plan if you change jobs and lose your group health benefit? 2.Will you qualify for a comprehensive and affordable health plan when you retire? 3.Should you go on Long Term Disability, will your health plan stay in effect? 4

Important Questions for People With Group Health Benefits… 4.Will your dependents be eligible for a health plan when they are no longer covered by your group plan? 5.How would you cover the cost of an unexpected illness without a health plan? 5

Do you Know Anyone... …with one of the following conditions: Cancer Heart disease Diabetes Asthma Cholesterol High blood pressure 6

Cost of Illnesses ConditionsAnnual Drug Costs Pulmonary hypertension$ 47,000 Rheumatoid arthritis$ 27,000 Cancer$ 43,500 Psoriasis$ 36,000 Crohn’s disease$ 31,805 Osteoporosis$ 14,000 Asthma$ 2,000 Diabetes (supplies & insulin) Insulin pump $ 1,400 $ 7,000 7

What is Assured Access? Provides access to an affordable comprehensive individual health plan if and when you lose group health benefits Your coverage will be based on your health today! 8

Assured Access Benefits - AD&D Participants covered under Assured Access have additional security of $10,000 Accidental Death and Dismemberment benefit 9

Assured Access Eligibility Covered under a group health benefit plan Have been covered for a minimum of 12 months Aged 64 or under Resident of Atlantic Canada Qualify medically 10

Assured Access Benefits - Children Dependent children can enroll in their own personal health plan without requiring additional medical underwriting If they are employed with a company that offers group benefits, they can continue on with their own Assured Access plan 11

Must have lost group health benefits Call us to activate your health plan within 60 days of losing group health benefits One easy call away: How to Activate the Individual Health Plan 12

Assured Access Monthly Selling Rates Small price to pay for the security and peace of mind the plan offers… AgeSingleCoupleFamily 16-29$ 18.83$ 28.25$ $ 18.83$ 28.25$ $ 21.53$ 30.93$ $ 24.22$ 33.63$

Activate a personal health plan that really is… personal 14

Mix and Match Your Plan 15

Benefits for Today’s Lifestyle Massage, naturopath, acupuncture, dietician Financial and legal counselling and a self-help website Vision care 30-day travel coverage Hospital and critical illness No overall maximum on drugs Maximum co-pay amount of $50 per prescription Major dental and orthodontics for children 16

The Best Plans can Adapt and Change Responsive - adapt your plan when your life changes Members can upgrade benefits without medical qualification on life events: Adding a spouse Adding a child Departing dependent Plus Long-term security for dependents 17

18 And There’s More…

Our Shareholder? The Community. 19

Thank you! 20