1. Disability insurance – Could you afford not to have it?

2. DESJARDINS FINANCIAL SECURITY |2 Agenda Why do you need disability insurance? How does it work? What are the options? SOLO Disability Income features Examples How can you buy it?

3. Whether it's…

4. mortgage or rent

5. groceries

6. car payments

7. daycare

8. tuition fees

9. or any other expenses…

10. We all have bills to pay… every month…

11. And if suddenly, you were unable to work and earn an income What would you do?

12. DESJARDINS FINANCIAL SECURITY |12 What do you think your most valuable asset is? Is it your property… your vehicle… your investments …something else? Age$24,000$36,000$60,000$120,000 25$1.809,630$2.714,445$7.247,986$14.495,973 30$1.451,090$2.176,635$5.419,218$10.838,437 35$1.141,810$1.712,715$3.986,331$7.972,662 40$875,022$1.312,534$2.863,626$5.727,252 45$644,889$967,333$1.983,957$3.967,914 50$446,374$669,561$1.294,714$2.589,428 55$275,133$412,700$754,673$1.509,347

13. DESJARDINS FINANCIAL SECURITY |13 Everybody is millionaire! Your income is a most valuable asset that you will acquire during your lifetime. That is why : Disability Insurance = Basis of your financial security Everybody is millionaire!

14. DESJARDINS FINANCIAL SECURITY |14 From the other perspective… When you buy a car: You call immediately car insurer to protect it! From the other perspective…

15. DESJARDINS FINANCIAL SECURITY |15 When you buy a house: You call immediately home insurer to protect it! From the other perspective…

16. DESJARDINS FINANCIAL SECURITY |16 When you buy stainless steel appliances: You will probably insure them if something goes wrong. From the other perspective…

17. DESJARDINS FINANCIAL SECURITY |17 But when you earn your salary and have no disability protection to protect it, do you buy disability insurance right away? Disability Insurance = Basis of your financial security If you have no income, will you have enough money to pay your house, your car, your appliances, your other insurances if disabled? From the other perspective…

18. DESJARDINS FINANCIAL SECURITY |18 Revenues Expenses Disability Reality in case of illness or accident

19. DESJARDINS FINANCIAL SECURITY |19 If you save for: 5 % of your income 10 % of your income 15 % of your income 2 years1 ½ months3 months4 ½ months 5 years3 ½ months7 ½ months11 months 10 years7 ½ months1 year et 3 months1 year et 10 months A long-term disability (90 days & +) can be bad for your financial security! How long could you live off your savings?

20. DESJARDINS FINANCIAL SECURITY |20 AgeProbabilityAverage duration 2540%2 years and 2 months 3039%2 years and 8 months 3537%3 years and 1 month 4034%3 years and 6 months 4531%3 years and 11 months 5026%4 years and 2 months 5521%4 years and 5 months Probability of becoming disabled before age 65 and average duration of disability for 90 days or more

21. DESJARDINS FINANCIAL SECURITY |21 How does disability insurance work? It pays you a monthly benefit: to replace your income when you are not able to work due to an illness or accident

22. DESJARDINS FINANCIAL SECURITY |22 Main components 1.Monthly benefit 2.Waiting period 3.Benefit period

23. DESJARDINS FINANCIAL SECURITY |23 Options Regular occupation period 2-year 5-year Up to 65 years Residual or partial disability Cost of living Future insurability option

24. DESJARDINS FINANCIAL SECURITY |24 SOLO Disability Income unique features 1 1 st day in case of hospitalization or day surgery (For waiting periods of 90 days and less) No

25. DESJARDINS FINANCIAL SECURITY |25 SOLO Disability Income unique features 2 1 st $1,200 guaranteed No integration and no coordination apply for the first 36 months No

26. DESJARDINS FINANCIAL SECURITY |26 SOLO Disability Income unique features 3 5 x your monthly benefit if you are diagnosed with 1 of the 25 critical illnesses Disabled or not Paid on top of your benefit No

27. DESJARDINS FINANCIAL SECURITY |27 Covered critical illnesses Cancer Heart attack Stroke Coronary Artery Bypass Surgery Multiple sclerosis Parkinson Paralysis Kidney failure … Total: 25 illnesses!

28. DESJARDINS FINANCIAL SECURITY |28 SOLO Disability Income unique features 4 An extra 5% paid on top of the benefit starting on the 13th month of your disability income payment (in a DFS savings account) If $2,000 benefit, it means an extra of $100! No

29. DESJARDINS FINANCIAL SECURITY |29 SOLO Disability Income unique features 5 5 x the monthly benefit in case of death (Paid if the death occurs while receiving disability benefits) No

30. DESJARDINS FINANCIAL SECURITY |30 SOLO Disability Income unique features Regular occupation period Residual or partial disability Cost of living Future insurability option Return of premium: up to 50% Furthermore, you could add those options:

31. DESJARDINS FINANCIAL SECURITY |31 Which job would you choose? Job A $33,000 per year $0 if you become disabled Job B $32,000 per year 90% of your net income up to age 65 if you become disabled

32. DESJARDINS FINANCIAL SECURITY |32 How much does it cost? Classification120 days Up to age 65 2A$1,850/month Age25303540455055 Female$67$80$95$125$171$213$233 Male$53$63$78$106$151$196$225 PLUS Future insurability option $1,000

33. DESJARDINS FINANCIAL SECURITY |33 Next steps Monthly benefit Age 18 to 45 years46 to 55 years $0 to $2,00011 $2,001 to $3,99912 1.Medical questionnaire 2.Medical questionnaire, nurse visit, urine test

34. Thank you!