1. SSQ Financial Group: Our Tricks Revealed

2. SSQ Financial Group– Magic tricks
Magic is made up of tricks and illusions, and it is said that a good Magician never reveals his tricks.
Here is our 19 Magic Tricks!

3. SSQ Financial Group – Magic Trick 1
SSQ Financial Group is the 6th largest life company in Canada
Tier one rates with reinsurers
Tier one treatment with reinsurers
AM Best Rating of A- Excellent 3 3 3

4. SSQ Financial Group – Magic Trick 2
SSQ Financial Group ownership is a unique blend of Corporate, Mutual and Employee ownership
Long term % return expectation
Service is our DNA
Employees are engaged 4 4 4

5. SSQ Financial Group – Magic Trick 3
SSQ New Business/Underwriting turnaround is exceptional!
2 day SLA for decision or new requirement ordering
1 day actual for decision or new requirement ordering
Policies printed and mailed 4 times per day! 5 5 5

6. SSQ Financial Group – Magic Trick 4
SSQ Term Plus is very competitively priced
Usually top 6 in terms of LifeGuide/Compulife
Reviewed regularly 6 6 6

7. SSQ Financial Group – Magic Trick 5
SSQ Term Plus is very flexible
Up to 5 lives on a multi-life policy
Up to 6 coverages per life including level and decreasing coverage on same life
Many term coverages including Term to 70 (10,15,20,25,30,35) 7 7 7

8. SSQ Financial Group – Magic Trick 6
SSQ Term Plus has a number of unique features
EDB Rider (no cost)
Disability Rider for loans
$20,000 CI Rider
(issued on standard life if applied for)
5 year renewal 8 8 8

9. SSQ Financial Group – Magic Trick 7
SSQ Indexed 10 Year Term
Doubles coverage over 5 years
Based on original age (current rates)
- Based on rate band achieved
- Same rates as regular Term 10 9 9 9

10. SSQ Financial Group – Magic Trick 8
SSQ Term to 100
We still have one
We intend to keep it
Very competitive rates 10 10 10

11. SSQ Financial Group – Magic Trick 9
SSQ Non Par Whole Life - Life Pay
We still have it, and intend to keep it
Competitive premiums
Very strong cash values
Reduced paid up option
Buy whole life and invest the difference! 11 11 11

12. SSQ Financial Group – Magic Trick 10
SSQ Non Par Whole Life Pay
We still have it, and intend to keep it
Competitive premiums
Very strong cash values
Reduced paid up option (works as a 10 pay) 12 12 12

13. SSQ Financial Group – Magic Trick 11
SSQ Critical Illness among best in industry
Stand alone and rider
Competitive premiums
Term and Permanent
Return of Premium options 13 13 13

14. SSQ Financial Group – Magic Trick 12
SSQ’s new UL to round out product offering
Very competitive YRT & Level COI
Simple guaranteed product & bonus
Competitive MERs on good selection
of funds
- No surrender fees on Level COI 14 14 14

15. SSQ Financial Group – Magic Trick 13
SSQ makes conversions easy
Existing/new term products convertible to any permanent product including UL
UL COI can be changed from YRT to level
Term 10 can be converted to Term 20 or Term 70 15 15 15

16. SSQ Financial Group – Magic Trick 14
Best in Class Seg Fund Platform
Over 50 Funds
Over 20 Non Proprietary Investment
Managers (PIMCO, Lazard, Fiera)
Unique asset classes (Commodities, Infrastructure & Real Estate)
100/100 contract to age 85, best in Industry! 16 16 16

17. SSQ Financial Group – Magic Trick 15
Seg Funds with option to distribute income outside of the fund
Only Seg Funds in Canada that offer this option (2.5/3.0 cents/unit/month)
Two great CI & Guardian Balanced Funds
Perfect for clients interested in income or leveraging 17 17 17

18. SSQ Financial Group – Magic Trick 16
Best in Industry High Net Worth Offering
Reduced MER beyond Advisor
comp reduction (1 to 1.25%)
All funds available (Institutional
Money Managers)
Full HNW statements and support 18 18 18

19. SSQ Financial Group – Magic Trick 17
Wholesaling and inside sales team across Canada
Relationship focused
Experienced and able to help you at case level or overall business development
Responsive to your service and sales needs 19 19 19

20. SSQ Financial Group – Magic Trick 18
The Grand Finale!
Competitive FYC Life comp & lifetime renewals while premium paid (UL switches to asset based after 10th year)
B Mode comp for Seg’s (No Load with 3% FYC, 1% trail starting in 25th month 20 20 20