Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. I'm single! What reason would I have to own Life Insurance?

2/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY If you can answer Yes! to at least one of the following questions, then you should have Life Insurance.

3/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Will your estate face final expenses such as: Funeral costs? Outstanding debts? Student loans? Income & estate taxes owed to the tax department?

In the future do you ever see yourself undertaking financial obligations such as: Starting a business? Purchasing a home? Having a family? Being financially responsible for a parent or other relative? 4/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY

It is likely that your health will change in the years ahead, so would you be interested in establishing an insurance program … while your insurability may not be a problem? that could be self-completing if you were to become disabled? 5/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY

Are you concerned that someone else will have to pay your tax liabilities arising on your death, such as: 6/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY Tax on capital gains? Tax on RRSP balance?

Have you thought about how you will leave your mark or how you will have made a difference in the lives of others? Do you feel you may, at some future date, wish to leave money to a relative, a friend, your alumni development fund or a charitable institution? 7/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY

If the answer to any of these questions is Yes! then you should own a life insurance policy! 8/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY

Possible Solutions! Permanent life insurance with limited payments to cover funeral costs and taxes due Term life insurance with affordable premiums and flexible options to cover outstanding debts and student loans Harmony insurance to receive a tax-free lump sum in case of critical illness Life insurance combined with LTC Advance or CI Advance is two-in-one protection in case of death or loss of independence or critical illness, whichever occurs first 9/9 DESJARDINS INSURANCE | FOR REPRESENTATIVES' USE ONLY