Your guide to London Life s individual claims review process

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1 Your guide to London Life s individual claims review process This guide: provides an overview of the individual claims review process describes the classification of claims and the available benefits provides instructions for making your claim provides step-by-step instructions for completing your Claim adjudication form, and describes how to obtain more information about the individual claims review process.

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3 Inside this booklet Why you received this package...2 Overview of the individual claims review process...2 Three types of claims...2 Premium offset claims...2 Pay Day claims...2 Cash value (or policy value) claims...2 Two points in time at which a representation may have occurred...2 At the time of the policy was purchased...2 If the policy was amended, at time of the amendment...2 Classification of claims...2 Make your claim...3 Step 1: Prepare to make your claim...3 Step 2: Request documents from London Life Optional...3 Step 3: Complete Parts 1-4 of your Claim adjudication form...4 Step 4: Obtain sworn statements from witnesses Optional...4 Step 5: Complete Part 5 of your Claim adjudication form...5 Step 6: Sign and swear or affirm your Claim adjudication form... 5 Step 7: Obtain consent of co-owners, assignees and irrevocable beneficiaries...5 Step 8: Return your Claim adjudication form with any supporting documents and completed sworn statements attached...5 Contact information for questions about the settlement...6 London Life s Settlement Information Team...6 Class lawyers representing the class members...6 Appendix A Premium offset claim classification and benefits...7 Appendix B Pay Day claim classification and benefits...10 Appendix C Cash value claim classification and benefits

4 Why you received this package You received this claim adjudication package because on your Election form you chose to participate in the individual claims review process. This guide provides you with an overview of the individual claims review process and explains how to make your claim. Please read this guide carefully. Overview of the individual claims review process The individual claims review process is a streamlined process for adjudicating your individual claim. The claim adjudication process is conducted entirely in writing. Three types of claims London Life s individual claims review process has three different types of claims. You specify which type of claim you are making. You may make only one type of claim for each class policy. 1. Premium offset claims A premium offset claim is a claim based on a representation of a guaranteed premium offset date for a class policy. For example, a policyowner may claim that he or she was told that he or she could discontinue paying cash premiums on a specified date and the policy would remain in force. As another example, a policyowner may claim that he or she replaced a policy with a new policy and was told that he or she would only have to pay premiums on the new policy for a small number of years after which premiums would be paid by the dividends on the new policy. 2. Pay Day claims A Pay Day claim is a claim that a policyowner was told that his or her class policy would generate an income for a defined period of time, without cancelling the policy, and in some instances, would go on premium offset. For example, a policyowner may claim that he or she was told that the policy would provide a specific amount of income at the time of retirement, without paying premiums, and remain in force. 3. Cash value claims A cash value (or policy value) claim is a claim that a policyowner was told that his or her class policy would have a certain total cash surrender value at a specified point in time. For example, a policyowner may claim that he or she was told that the policy would have a certain total cash surrender value at the time of retirement. Two points in time at which a representation may have occurred Your claim may be based on a representation made to you: 1. at the time you purchased your policy, or 2. if you amended your policy since then, at the time of the amendment. The time you specify will be called the time of acquisition in the individual claims review process. Classification of claims Once the Settlement Administration Unit receives your Claim adjudication form and attachments, your claim will be reviewed by a claims review officer, who will classify your claim into one of five categories. Each category has a specific benefit. The classification and benefit you receive will depend on the type of claim you make, the particular attributes of the policy and the evidence relating to the acquisition of the policy. London Life will mail a Classification notice to you within 60 days of receiving your Claim adjudication form. For information about the classification of your claim and the corresponding benefits, see the appendices to this guide. Appendix A contains information about premium offset claim classification and benefits. Appendix B contains information about Pay Day claim classification and benefits. Appendix C contains information about cash value claim classification and benefits. 2

5 You may also refer to Your guide to London Life s settlement, which was mailed to you with your Election form, for further information about the individual claims review process. Make your claim Step 1: Prepare to make your claim Begin by reviewing the Claim adjudication form to see the type of information that is being requested. On your Claim adjudication form, you will describe the basis for your claim. Before filling out your Claim adjudication form, you should review your own records and gather any documents you have relating to the acquisition of your policy and to your claim. You may also request certain documents from London Life, as described in Step 2 below. In addition to describing what happened when you acquired your policy, you may attach supporting documents and sworn statements from other people who were present, such as a family member, accounting, legal or other advisor, or your London Life representative (a witness ). A Sworn statement form is enclosed. If you need additional copies, you may photocopy the form or print a copy from London Life s Web site at If you plan to provide sworn statements from any witnesses, you should contact them as soon as possible and talk to them about whether they are prepared to provide a sworn statement to you. London Life may have included with your claim adjudication package the data page(s) or policy summary(ies) for your class policy. These data pages or policy summaries are the first one or two pages of your policy, provide basic information about your policy from the time of purchase or amendment, and may help you complete your Claim adjudication form. Step 2: Request documents from London Life Optional You may request copies of any of the following documents. London Life will send you copies of the documents you request if they are available. 1. Sales illustration for the class policy (or amendment) 2. Application form for the class policy (or amendment) 3. Correspondence between you and a London Life representative 4. Correspondence between you and London Life 5. If you indicate that you do not have a copy of your policy, a regenerated copy of that policy Your request must be made either in writing or by telephone within 18 days of the date on the cover letter accompanying this package and should specify which documents you would like from the list above. You may write to: Settlement Administration Unit T-645, London Life, 255 Dufferin Avenue, London, Ontario N6A 4K1. Please be sure to include your name and policy number. You may also call the Settlement Information Team toll free at , Monday to Friday, between 8 a.m. and 7 p.m. Eastern Time. When you call, please have your policy number and claim adjudication package available. Neither medical information about the life insured nor legally privileged information will be included in the materials provided. At its discretion, London Life may provide you with copies of these documents even if you do not request them. For example, this claim adjudication package may already contain a copy of the data page(s) or policy summary(ies) regarding your class policy. When London Life provides you with a copy of documents, a copy will also be sent to the claims review officer who will consider them when classifying your claim. If you request documents from London Life, the deadline to return your Claim adjudication form to London Life will be extended. This means you must return your completed Claim adjudication form and all attached documents to London Life within 68 days of the date of the letter responding to your document request. 3

6 Step 3: Complete Parts 1-4 of your Claim adjudication form When filling out your Claim adjudication form: Be accurate It is essential that you provide accurate and truthful information. Be clear Please clearly print or type your responses and provide relevant details, such as names and dates. Be comprehensive Include everything you think is relevant to your claim. Your Claim adjudication form has seven parts. Please follow these instructions in completing your form. Part 1: Policyowner information Please provide any missing information. If the preprinted information is not correct, please make the necessary corrections. Part 2: Which type of claim are you making? Specify the type of claim you are making: a premium offset claim, a Pay Day claim, or a cash value claim. You may make only one type of claim for each class policy. Part 3: Does your claim relate to the time of purchase or the time of amendment? Specify whether your claim is based on representations made to you: 1. at the time you purchased your policy, or 2. if you amended your policy since then, at the time of the amendment. The time you specify will be called the time of acquisition in the individual claims review process. For example, if you claim a representation was made to you when you purchased your policy, you should check purchase. However, if you claim that you amended your policy because of a representation made to you, you should check amendment. You can only specify one point in time. If you specify amendment, you should complete questions (B)(1), (2) and (3) in Part 3. Part 4: Detailed information about your claim Part 4 asks questions about any statements made to you at the time you purchased or amended your policy. Your answers should relate to: 1. the type of claim you are making premium offset, Pay Day, or cash value, and 2. the time of acquisition purchase or amendment. Your answers should be complete and include information about everything you rely on to support your claim, including any statements made to you, the names of those who made the statements, whether the statements were made verbally or in writing, and when they were made. Please be as specific and detailed as possible. If you need more space, please attach additional pages. We also ask you to attach any relevant documents and provide details about those documents, such as when and from whom you received them, and whether you would like the original documents returned to you. In providing this information, please be as specific and detailed as possible. Several questions in Part 4 refer to an illustration. This is a document generated by London Life showing premiums, cash values and death benefits of a particular class policy. Step 4: Obtain sworn statements from witnesses Optional You may choose to obtain a sworn statement from a witness. A Sworn statement form is enclosed. If you need additional copies, you may photocopy the form or print a copy from London Life s Web site at Please complete Part 1 of the Sworn statement form before providing it to a witness. A completed, signed and sworn or affirmed Sworn statement form should be returned by the witness to you, so that you may attach it to your Claim adjudication form and send it to London Life. Sworn statement from your London Life representative If you wish to submit a sworn statement from the London Life representative who was involved when you acquired your policy, you 4

7 should contact that representative. The representative will determine independently whether he or she is able to provide you with a sworn statement. All current London Life representatives have been informed that policyowners may contact them to request a sworn statement. Former representatives may not expect such requests, or even be aware of the settlement. As a result, it may be necessary for you to provide a former representative with more information about the settlement. London Life has informed its current representatives that they should give fair consideration to all requests for sworn statements. However, they are under no obligation to provide a sworn statement. Any statement from a London Life representative must be signed and sworn or affirmed before a commissioner for oaths, notary public or lawyer. A sworn statement that has not been properly signed and sworn or affirmed will be returned to you as incomplete. You may submit your Claim adjudication form even if your representative does not provide you with a sworn statement, or if your representative is no longer associated with London Life and you are unable to locate him or her. Sworn statements from other witnesses You may attach a sworn statement from other witnesses who have relevant information about representations made to you in connection with your acquisition of your policy if you believe their evidence will assist the claims review officer to classify your claim. No one is under an obligation to provide you with a sworn statement. Any statements from witnesses must be signed and sworn or affirmed before a commissioner for oaths, notary public or lawyer. A sworn statement that has not been properly signed and sworn or affirmed will be returned to you as incomplete. Step 5: Complete Part 5 of your Claim adjudication form If you have obtained a sworn statement from your London Life representative, please attach it to your Claim adjudication form and fill in the name of your London Life representative in the space provided in Part 5(A). If you have obtained sworn statements from other witnesses, please attach them to your Claim adjudication form and fill in the name(s) of the witnesses in the space provided in Part 5(B). Step 6: Sign and swear or affirm your Claim adjudication form You must sign and swear or affirm to the truth of the contents of your Claim adjudication form in the space provided in Part 6 in the presence of someone who is authorized to administer oaths, such as a commissioner for oaths, notary public or lawyer. A Claim adjudication form that has not been properly signed and sworn or affirmed will be returned to you as incomplete. False statements: If it is determined at any time that you have sworn or affirmed a false statement or knowingly submitted false evidence in support of your claim, you will not be entitled to any benefits under this settlement. In addition, it is a serious offence to submit evidence that you know to be false. Step 7: Obtain consent of co-owners, assignees and irrevocable beneficiaries If your policy has one or more co-owners, assignees or irrevocable beneficiaries, they must sign Part 7(A), (B) or (C) (as appropriate) of your Claim adjudication form and print their name in the space provided to signify their consent to the claim and the policy going through the individual claims review process. Step 8: Return your Claim adjudication form with any supporting documents and completed sworn statements attached You must return your completed Claim adjudication form, along with any supporting documents and any sworn statements from witnesses, to London Life within 68 days of the date on the cover letter with this claim adjudication package. Forms must be sent or delivered to: Settlement Administration Unit T-645, London Life, 255 Dufferin Avenue, London, Ontario, N6A 4K1. 5

8 If you do not return your completed Claim adjudication form to the Settlement Administration Unit by the deadline, you will not be entitled to make a claim under the individual claims review process, but will receive the global benefits and any enhanced benefits for which you automatically qualify, as shown on your Policy information statement. Please ensure that any documents attached to your Claim adjudication form are originals (or copies if you do not have the originals). You should retain copies of your Claim adjudication form and attachments for your records. If you would like your originals returned, please indicate this on your Claim adjudication form. Contact information for questions about the settlement London Life s Settlement Information Team If you have any questions about the settlement or the information in this guide, you may contact London Life s Settlement Information Team toll free at , Monday to Friday, between 8 a.m. and 7 p.m. Eastern Time. When you call, please have your policy number and information package available. Information is also available on London Life s Internet Web site at Class lawyers representing the class members You may also contact the lawyers who represent all members of the class. The three law firms listed below represent all members of the class. You will not be charged for the services provided by these law firms in connection with the settlement and its implementation, including advice and representation to you as an owner of one or more class policies. If, however, you use a different lawyer, you will be responsible for paying any fees and expenses for that lawyer. For all inquiries from Quebec, Nova Scotia, New Brunswick, Prince Edward Island, Newfoundland and Labrador, contact: Lauzon Bélanger 511 Place D Armes Suite 200 Montréal, Quebec H2Y 2W7 Yves Lauzon/Gilles Gareau Phone: Fax: For all inquiries from Manitoba, Saskatchewan, Alberta, British Columbia, Nunavut, the Yukon and the Northwest Territories, contact: Poyner Baxter Chadwick Crt. North Vancouver, B.C. V7M 3K1 James Poyner/Kenneth Baxter Phone: Fax: For all inquiries from Ontario and outside of Canada, contact: Scarfone Hawkins LLP King Street West P.O. Box 926, Stn. LCD 1 Hamilton, Ontario L8N 3P9 David Thompson/Jeffrey Teal Phone: Fax:

9 Appendix A Premium offset claim classification and benefits If you make a premium offset claim, it will be classified as set out below. Category 1 before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a representation from London Life or a London Life representative that, considered in the entire context, guaranteed that the premiums for the policy would offset permanently on a specified date the representation was in writing, and you understood the written representation to be a guarantee. An unaltered London Life illustration is not a written representation for the purposes of this category. Category 2 you claim that, before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the premiums for the policy would offset permanently on a specified date you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the represented offset date was not guaranteed or were told to ignore such information you understood the verbal representation to be a guarantee, and you have provided a sworn statement from the representative confirming that the verbal representation you describe was made and was not qualified verbally or in writing. The provision of an unaltered London Life illustration alone is not sufficient to constitute a written qualification of a verbal representation for the purposes of this category. Category 3 you claim that, before or at the time of an acquisition of the class policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the premiums for the policy would offset permanently on a specified date you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the represented offset date was not guaranteed, or were told to ignore such information you understood the verbal representation to be a guarantee you have not provided a sworn statement from the representative that either confirms or denies that the verbal representation you describe occurred, and nothing from the time of the acquisition is included in the submission that either confirms or contradicts the verbal representation you described. Category 4 you claim that, before or at the time of an acquisition of the class policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the premiums for the policy would offset permanently on a specified date you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the represented offset date was not guaranteed, or were told to ignore such information 7

10 you understood the verbal representation to be a guarantee the submission contains a statement from the representative that denies that the verbal representation you describe occurred, and nothing else from the time of the acquisition is included in the submission that either confirms or contradicts the verbal representation you describe. Category 5 All claims not falling within categories 1, 2, 3 or 4 will be classified into this category. Premium offset claim benefits The represented offset date for these benefits means the later of: the premium offset date for the policy at the time of the acquisition based on the dividend scale in effect at that time, and the premium offset date represented at the time of the acquisition. If a range of dates was represented, the latest date in the range is used. The total death benefit means the basic insurance amount, plus any remaining supplementary term insurance coverage that was in force at the time of acquisition, and, for Econolife policies, the Econolife term insurance coverage. Upon classification of your claim into one of the five categories set out above, the applicable benefit will be awarded as follows: Categories 1 and 2 benefits You will receive a premium offset guarantee based on the represented offset date, implemented as set out below. London Life will guarantee payment of the total death benefit of the policy for as long as the policy is in force. You will only be required to make cash premium payments up to, but not including, the represented offset date. These cash premium payments cannot be made through the use of a premium loan (which is a policy loan taken to pay premiums) or through the use of dividends. If you have already made cash premium payments on and/or subsequent to the represented offset date, you will receive a refund 8 from London Life of those payments with interest at the rate applicable to policy loans as set out in the policy. You will not be required to make any cash premium payments from and after the represented offset date. Premiums will be paid by the annual dividend declared on the class policy and, if necessary, by the surrender of paid-up additions and/or by a premium loan applied against the basic cash value of the class policy. Category 3 benefit You will receive a premium offset guarantee based on an adjusted offset period, implemented as set out below. The adjusted offset period will be 1.4 times the number of years from the date of the acquisition of your policy to the represented offset date. When calculating the adjusted offset period, partial premium payments will be rounded up to the next whole premium payment. For example, where the represented offset period was nine years, the adjusted offset period would be 13 years. London Life will guarantee payment of the total death benefit set out in the class policy for as long as the class policy is in force. You will only be required to make cash premium payments up to, but not including, the adjusted offset date (the end of the adjusted offset period). These cash premium payments cannot be made through the use of a premium loan (which is a policy loan taken to pay premiums) or through the use of dividends. If you have already made cash premium payments on and/or subsequent to the adjusted offset date, you will receive a refund of those payments with interest at the rate applicable to policy loans as set out in the class policy. You will not be required to make any more cash premium payments from and after the adjusted offset date. Premiums will be paid by the annual dividend declared on the class policy and, if necessary, by the surrender of paid-up additions and/or by a premium loan applied against the basic cash value of the class policy.

11 Additional information about the benefits for Categories 1, 2 and 3 You will not have to repay a premium loan or paidup additions that you have already taken to pay premiums beyond the represented or adjusted offset date. Any other policy loans or withdrawals you have made from the policy must be repaid to London Life with interest. This will restore the policy to the position it would have been in had the loan or withdrawal not been made. You will not be able to take any new policy loans or withdrawals of cash values or dividends from the policy. If London Life sets up a premium loan to pay the premiums after the represented or adjusted offset date, the amount of the premium loan, including interest, will be deducted from the cash surrender value paid to you if you choose to surrender the policy. The amount of the premium loan, including interest, will not be deducted from the death benefit payable on the policy. If you have made any changes to your policy, including the addition, surrender, removal, or exercise of any policy benefit (such as a term insurance rider or total disability benefit), you will be responsible for any cash premium payments that arise as a result of that change. Category 4 benefit You will receive any global or enhanced benefits you otherwise automatically qualify for, or you may elect to abandon your individual claim, and to exclude the policy that was the subject of that claim from the settlement, by opting out of the settlement. Category 5 benefit You will only be entitled to global benefits. 9

12 Appendix B Pay Day claim classification and benefits If you make a Pay Day claim, it will be classified as set out below. Category 1 before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a representation from London Life or a London Life representative that, considered in the entire context, guaranteed that the policy would generate an annual income for some period or periods of time during the life of the policy and, where applicable, that the premiums for the policy would offset for a specified period the representation was in writing, and you understood the written representation to be a guarantee. An unaltered London Life illustration is not a written representation for the purposes of this category. Category 2 you claim that, before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the policy would generate an annual income for some period or periods of time during the life of the policy and, where applicable, that the premiums for the policy would offset for a specified period you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the represented income and represented offset period were not guaranteed, or were told to ignore such information you understood the verbal representation to be a guarantee, and you have provided a sworn statement from the representative confirming that the verbal representation you describe was made and was not qualified verbally or in writing. The provision of an unaltered London Life illustration alone is not sufficient to constitute a written qualification of a verbal representation for the purposes of this category. Category 3 you claim that, before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the policy would generate an annual income for some period or periods of time during the life of the policy and, where applicable, that the premiums for the policy would offset for a specified period you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the represented income and represented offset period were not guaranteed, or were told to ignore such information you understood the verbal representation to be a guarantee you have not provided a sworn statement from the representative that either confirms or denies that the verbal representation you describe occurred, and nothing from the time of the acquisition is included in the submission that either confirms or contradicts the verbal representation you described. Category 4 you claim that, before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed 10

13 that the policy would generate an annual income for some period or periods of time during the life of the policy and, where applicable, that the premiums for the policy would offset for a specified period you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the represented income and represented offset period were not guaranteed, or were told to ignore such information you understood the verbal representation to be a guarantee the submission contains a statement from the representative that denies that the verbal representation you describe occurred, and nothing else from the time of the acquisition is included in the submission that either confirms or contradicts the verbal representation you describe. Category 5 All claims not falling within categories 1, 2, 3 or 4 will be classified into this category. Pay Day claim benefits The represented income for these benefits means the annual income the policy would generate for some specified period or periods of time represented at the time of the acquisition as part of the Pay Day representation. The represented offset period for these benefits means the later of: the premium offset period for the policy at the time of the acquisition based on the dividend scale in effect at that time, and the premium offset period represented at the time of the acquisition as part of the Pay Day representation. If a range of start dates was represented, the latest date in the range is used. Upon classification of your claim into one of the five categories set out above, the applicable benefit will be awarded as follows: Categories 1 and 2 benefit You will receive a guarantee of the represented income and, where applicable, a premium offset guarantee based on the represented offset period, implemented as set out below. London Life will guarantee payment of the total death benefit of the policy for as long as the policy is in force. London Life will guarantee that if the class policy is in force during the specified period or periods, the represented income will be paid, provided you have made all required premium payments. You will not be required to make cash premium payments during the represented offset period. Any cash premium payments you are required to make cannot be made through the use of a premium loan (which is a policy loan taken to pay premiums) or through the use of dividends. If you have already made cash payments for premiums that are covered by the represented offset period, you will receive a refund from London Life of those payments with interest at the rate applicable to policy loans as set out in the policy. The annual dividend declared on the class policy and, if necessary, the surrender of paid-up additions and/or a premium loan applied against the basic cash value of the class policy, will be used to provide the benefit. Category 3 benefit You will receive: a guarantee that the income component will be no less than 70 per cent of the represented income (the adjusted income) where applicable, a premium offset guarantee based on the adjusted offset period, described below. The adjusted offset period will begin after 1.4 times the number of years from the date of the acquisition of your policy to the beginning of the represented offset period. When calculating this date, partial premium payments will be rounded up to the next whole premium payment. For example, where the represented offset period began nine years from the date of the acquisition, the adjusted offset period would begin 13 years from the date of the acquisition. 11

14 This benefit will be implemented as set out below. London Life will guarantee payment of the total death benefit set out in the policy for as long as the policy is in force. London Life will guarantee that if the class policy is in force during the specified period or periods, the adjusted income will be paid, provided you have made all required premium payments. You will not be required to make cash premium payments during the adjusted offset period. Any cash premium payments you are required to make cannot be made through the use of a premium loan (which is a policy loan taken to pay premiums) or through the use of dividends. If you have already made cash premium payments that are covered by the adjusted offset period you will receive a refund from London Life of those payments with interest at the rate applicable to policy loans as set out in the policy. The annual dividend declared on the class policy and, if necessary, the surrender of paid-up additions and/or a premium loan applied against the basic cash value of the class policy, will be used to provide the benefit. Additional information about the benefits for Categories 1, 2 and 3 You will not have to repay a premium loan or paidup additions that you have already taken to pay premiums during the represented or adjusted offset period. Any other policy loans or withdrawals you have made from the policy must be repaid to London Life with interest. This will restore the policy to the position it would have been in had the loan or withdrawal not been made. You will not be able to take any new policy loans or withdrawals of cash values or dividends from the policy. If London Life sets up a premium loan to pay the premiums during the represented or adjusted offset period, the amount of the premium loan, including interest, will be deducted from the cash surrender value paid to you if you choose to surrender the policy, but not from the death benefit payable on the policy. If you have made any changes to your policy, including the addition, surrender, removal, or exercise of policy benefits (such as a term insurance rider or total disability benefit), you will be responsible for any cash premium payments that arise as a result of that change. Category 4 benefit You will be entitled to any global or enhanced benefits for which you may be otherwise automatically eligible, or you may elect to abandon your individual claim, and to exclude the policy that was the subject of that claim from the settlement, by opting out of the settlement. Category 5 benefit You will only be entitled to global benefits. 12

15 Appendix C Cash value claim classification and benefits If you make a cash value claim, it will be classified as set out below. Category 1 before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a representation from London Life or a London Life representative that, considered in the entire context, guaranteed that the total cash value of the class policy would be a specified amount at a specified point in time the representation was in writing, and you understood the written representation to be a guarantee. An unaltered London Life illustration is not a written representation for the purposes of this category. Category 2 you claim that, before or at the time of an acquisition of the policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the total cash value of the class policy would be a specified amount at a specified point in time you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the total cash value was not guaranteed, or were told to ignore such information you understood the verbal representation to be a guarantee, and the submission contains a sworn statement from the representative confirming that the verbal representation you describe was made and was not qualified verbally or in writing. Category 3 you claim that, before or at the time of an acquisition of the class policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the total cash value of the class policy would be a specified amount at a specified point in time you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the total cash value was not guaranteed, or were told to ignore such information you understood the verbal representation to be a guarantee, and the submission does not contain a statement from the representative that either confirms or denies that the verbal representation you describe occurred, and nothing from the time of the acquisition is included in the submission that either confirms or contradicts the verbal representation you described. Category 4 you claim that, before or at the time of an acquisition of the class policy, and in connection with that acquisition, you received a verbal representation from a London Life representative that, considered in the entire context, guaranteed that the total cash value of the class policy would be a specified amount at a specified point in time you were not informed verbally or in writing, either in the form of an unaltered London Life illustration or otherwise, that dividends could be higher or lower, or that the total cash value was not guaranteed, or were told to ignore such information you understood the verbal representation to be a guarantee, and 13

16 the submission contains a statement from the representative that denies that the verbal representation you describe occurred, and nothing else from the time of the acquisition is included in the submission that either confirms or contradicts the verbal representation you describe. Category 5 All claims not falling within categories 1, 2, 3 or 4 will be classified into this category. Cash value claim benefits The represented total cash value for these benefits means the lower of: the cash value for the policy at the time of the acquisition for the specified point in time based on the dividend scale in effect at that time, and the cash value represented at the time of the acquisition for the specified point in time. If a range of amounts was represented, the lowest amount in the range will be used. Upon classification of your claim into one of the five categories set out above, the applicable benefit will be awarded as follows: Categories 1 and 2 benefit London Life will guarantee that if the class policy is in force at the specified point in time, the total cash value of the class policy on the policy anniversary closest to but not before the specified time will be no less than the represented total cash value, provided you have made all required premium payments. Category 3 benefit London Life will guarantee that if the class policy is in force at the specified point in time, the total cash value of the class policy on the policy anniversary closest to but not before the specified time will be no less than 70 per cent of the represented total cash value (the adjusted total cash value ), provided you have made all required premium payments. Additional information about the benefits for Categories 1, 2 and 3 Any policy loans or withdrawals from the policy you have made must be repaid to London Life with interest. This will restore the policy to the position it would have been in had the loan or withdrawal not been made. You will not be able to take any new policy loans or withdrawals of cash values or dividends from the policy. Category 4 benefit You will be entitled to any global or enhanced benefits you otherwise automatically qualify for, or you may elect to abandon your individual claim, and to exclude the policy that was the subject of that claim from the settlement, by opting out of the settlement. Category 5 benefit You will only be entitled to global benefits. 14

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Your guide to London Life s settlement

Your guide to London Life s settlement Your guide to London Life s settlement This guide includes the legal notice of certification and approval of settlement and additional explanatory information about the settlement. Notice of certification

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