Permanent Life Insurance. Horizon 50+ is offered to individuals age 50 to 75, with no medical exam

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1 Permanent Life Insurance Horizon 50+ is offered to individuals age 50 to 75, with no medical exam

2 Horizon 50+ Up to $20,000 of Life Insurance, with no medical exam Horizon 50+, permanent life insurance that covers you for life, enables you to leave your loved ones from $5,000 to $20,000 that is rapidly available and tax-free. Horizon 50+ provides funds to cover the unavoidable expenses associated with death, such as funeral expenses, payment of debts or income taxes, so that the estate you want to leave behind is preserved.

3 Main features of Horizon 50+ Age at issue 50 to 75 Insured amount You can choose one of four coverage amounts: $5,000, $10,000, $15,000 or $20,000. The amount will be tripled in the event of accidental death before age 85. Your loved ones could receive up to $60,000. Affordable, guaranteed premium Your monthly premiums are established when you apply, based on your age and your smoker or nonsmoker status. They are fixed and guaranteed against increases. See the Table of Monthly Premiums for premium rates. Accelerated payment benefit The Insurer will make an accelerated benefit payment of up to 50% of the insured amount in the event of the diagnosis of a terminal illness with a life expectancy of less than two years or in the event of a vital organ transplant. The balance of the insured amount is paid upon death. This coverage applies only in the 24 months after the effective date of the insurance contract and is subject to receipt of a medical report. Surrender value Your insurance policy accumulates a value that is returned to you if you decide to cancel your coverage. Also, if something unexpected were to happen financially, you can choose to stop paying premiums and remain covered for a lower amount. 1 Plus Option To apply for Plus Option, you must be between age 50 and 69 inclusive. When you choose this option, upon the insured s death, the Insurer will pay the designated beneficiary the insured amount plus 50% of the total premiums paid, up to 50% of the insured amount. 1. Some conditions, restrictions and exclusions apply.

4 Apply for Horizon 50+: It s quick and easy, and no medical exam is required To find out if you are eligible for Horizon 50+, simply answer the few questions on the application form. If you are between the ages of 50 and 75 and you answer No to the questions, you automatically qualify. If you answer Yes to any of the questions, you are not eligible for Horizon 50+. However, La Capitale may have other insurance products to offer you. Find out from one of our financial security advisors. Your spouse can also take advantage of Horizon 50+ if he or she is age 50 to 75. Simply provide the information requested on the application.

5 Important information Multiple insurance If an insured is covered under more than one Horizon 50+ or Horizon 50+ Plus Option, the insurer will limit the benefit payable under all such contracts to: $20,000 upon a non-accidental death or when an accidental death occurs following the insured s 85th birthday $60,000 in the event of an accidental death occurring before the insured s 85th birthday Restrictions and exclusions In the event of suicide No benefit shall be payable in the event the insured commits suicide during the first two years of insurance. Furthermore, the benefit for accidental death is not payable in the event the insured commits suicide, regardless of the length of time the contract has been in force. In the event of an accident The accidental death benefit does not apply if the insured dies: As a result of suicide or attempted suicide, or from self-inflicted injuries, whether sane or insane While taking part or attempting to take part in a criminal act While operating a motor vehicle with a blood alcohol level beyond the legal limit, or while under the influence of drugs During a military operation, an act of terrorism or war, whether declared or not, or while taking part in a riot or insurrection When taking part in a flight, other than as an ordinary passenger on a regular commercial flight, as well as when involved in dangerous sports such as scuba diving or skydiving As a result of injuries that have produced no visible wounds or contusions on the surface of the body, except in the case of accidental drowning

6 Included within Quebec Succession Advantage This additional benefit, included with your coverage, provides for reimbursement of up to $1,000 in legal fees and expenses related to the following consultations and proceedings: Liquidating the insured s estate Probating the insured s will Probating a mandate in anticipation of incapacity or power of attorney for the insured. Arranging for protective supervision of a person of full age (adult guardianship) Your spouse can also take advantage of Succession Advantage when covered under the same Horizon 50+ policy. The $1,000 limit then applies to you and your spouse jointly. This coverage is issued by La Capitale General Insurance and does not apply in the following cases: If the consultation or legal steps involve or result in a legal dispute If the insurer is not notified prior to consultation or legal steps being taken

7 + the advantages of Horizon 50+ You can leave your loved ones an insured amount of $5,000 to $20,000 tax-free while enjoying the following benefits: A very affordable premium amount that is fixed and guaranteed against increases so that you can stay within your budget no medical exam when you apply, only five eligibility questions immediate coverage upon receipt by the Insurer of your application if you answered No to the eligibility questions Amount of insurance tripled in the event of accidental death before age 85. Your loved ones could receive up to $60,000 Accelerated benefit payment of up to 50% of the insured amount in the event of organ transplant or reduced life expectancy Succession Advantage, an additional amount of up to $1,000 to cover legal fees Quick and easy enrolment Benefit from our satisfaction guarantee 10 days If you are not entirely satisfied, you can return your policy within 10 days of receipt for a full refund of your premium.

8 Guided by the values of mutualism on which it was founded, La Capitale works with people to build, protect and value what they feel counts for their financial security. For more information, call toll free from 8:30 a.m. to 5:00 p.m. weekdays or us at One of our financial security advisors 2 will be happy to answer any questions you may have. lacapitale.com 2. On behalf of La Capitale Financial Services Inc., financial services firm This document is not a contract. It merely provides an overview of the coverage available. Only the insurance policy and application may be used to settle legal issues. Contracts are issued by La Capitale Insurance and Financial Services Inc. or by La Capitale Civil Service Insurer Inc. H053 ( ) 100%

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