A-NOV15. Let s keep it simple. Non-medical insurance solutions for your hard-to-insure clients

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1 A-NOV15 Let s keep it simple Non-medical insurance solutions for your hard-to-insure clients

2 Because You like Simple! SIMPLE PRODUCTS When it comes to buying a financial product such as life insurance, your clients will want to buy something they understand. With guaranteed premiums, guaranteed benefits and guaranteed cash values*, our non-medical products are easy to explain and to obtain. *Refer to the product details to see which products offer cash values. SIMPLE QUESTIONS Our eligibility questions are straightforward. Plus, many of our products feature the same questions, making your work simpler. You have direct access to our in-house underwriting team should you wish to discuss a particular file: underwriting@assumption.ca. SIMPLE PROCESS Whether you work on a desktop, laptop or tablet, you can complete illustrations and applications with our electronic sales platform, Lia (Life Insurance Anywhere). Its easy step-by-step approach ensures the applications you send are complete and processed within hours*! *For our simplified products.

3 Product Checklist InstaTerm InstaTerm Deferred Golden Protection Golden Protection Deferred Total Protection Issue Ages Coverage $50,000 - $150,000 $50,000 - $100,000 $1,000 - $1,000 - $100,000 $50,000 $1,000 - $50,000 $5,000 - $50,000 Term Insurance (10 or 20 years) Permanent Life Insurance 20-pay Option 2-Year Waiting Period Renewable Conversion Option Guaranteed Cash Values Reduced Paid-Up Option Accidental Death Benefit Accidental Death and Dismemberment Coverage Transportation Benefit Living Benefit (50%, Terminal Illness) RIDERS* Accidental Death Child Insurance Benefit Accidental Fracture Plus *Life insurance riders are also available on these products. Please consult our product guides for more details.

4 WHICH PRODUCT works Best for YOUR CLIENT? Start Is your client looking for Term Insurance? Is your client under 40 years of age and high risk? Has your client been declined for insurance in the past 2 years by a company other than Assumption Life? No No No InstaTerm Deferred may be a Has your client been declined for insurance in the past 2 years by a company other than Assumption Life? No Total Protection may be a Golden Protection Deferred may be a good fit for your client. Golden Protection may be a InstaTerm may be a

5 Product Features Term life insurance with level sum insured. Immediate coverage. No medical exam, no blood tests, no APS. Terminal illness benefit. Guaranteed level premiums for the term selected. Underwritten at time of application. Available as an individual policy or as a rider. Has your client been declined for insurance in the past 2 years? Try InstaTerm Deferred. Permanent life insurance with guaranteed amount payable upon death. Issued with very limited proof of insurability. No medical exam, no blood tests, no APS. Terminal illness benefit. Guaranteed level premiums payable for life. Premiums will never increase. Underwritten at time of application. Available as an individual policy or as a rider. Only 3 medical questions. Don t forget the option of combining Golden Protection and InstaTerm to maximize your client s coverage. Permanent life insurance. Immediate coverage. Level and guaranteed insurance amount payable upon death. Limited proof of insurability. No medical exam, no blood tests, no APS. Terminal illness benefit. Guaranteed level premiums payable over a 20-year period or until insured s attained age 100. Premiums will never increase. Underwritten at time of application. Available as an individual policy or as a rider. Has your client been declined for insurance in the past 2 years? Try Golden Protection Deferred. Marketing support Visit producerscorner.ca to access marketing tools such as: Prospecting letters to start a conversation with your clients. Information handouts that can be customized with your contact info. Useful and fun videos that you can send to your target clients. All products are subject to limits, reductions or exclusions (see contract for further details).

6 Have you met Lia? Assumption Life s electronic sales platform, Lia, will simplify the way you do business. It works with any device, online as well as offline. This broker-tested and approved tool lets you: Quote and submit life insurance applications with a single tool. Add a life rider on an existing policy, e.g., an InstaTerm on an existing Golden Protection! Store your applications on cloud technology and access them from any device on which Lia is installed, e.g., start an application on your laptop and complete it on your tablet. Gain direct access to our Producer s Corner. Best of all, the system is error proof for faster processing and faster pay! Download Now! Here s your team! Pamela Kwiatkowski National Sales Manager pamela@assumption.ca John K. Coughlan Regional Sales Manager Atlantic Provinces john.coughlan@assumption.ca Daniel Rouillard Regional Sales Manager Quebec daniel.rouillard@assumption.ca Jennifer Koshul Regional Sales Manager Ontario jennifer@assumption.ca Shawn Redford Regional Sales Manager Ontario shawn@assumption.ca Yvonne Winkler Regional Sales Manager Western Canada yvonne@assumption.ca Michael Ricketts Regional Sales Manager British Columbia michael@assumption.ca