VOLUNTARY ACCIDENT INSURANCE PLAN

Transcription

1 VOLUNTARY ACCIDENT INSURANCE PLAN FOR THE EMPLOYEES OF Brandon University (the Policyholder)

2 VOLUNTARY ACCIDENT INSURANCE INTRODUCTION Recent years have brought an unfortunate increase in serious accidents of all kinds. Our daily newspapers report tragedies, involving people at work, at play, in airline and snowmobile accidents, and even in those home activities we usually think of as safe. Behind these accidents lie the personal and financial losses that fall heavily upon the families of the victims. While the personal loss is irreparable, it is possible by means of this insurance to minimize the economic consequences. The following is a description of the plan, an addition to your financial planning portfolio. SCOPE OF COVERAGE You are covered (your Spouse and Dependent Children are also covered if you have elected the Employee and Family Plan) for accidents which may occur anywhere at any time - on or off the job - while travelling or at home, including travel as a passenger in any scheduled aircraft. The insurance is in effect 24 hours a day, 7 days a week. Benefits are payable regardless of any other benefits that you, your Spouse or Dependent Children may receive from any insurance company other than the Company, or any other organization. DEFINITIONS "Injury" means bodily injury caused by an accident occurring while coverage is in force, where such injury is the basis of claim and results directly and independently of all other causes in loss. "Insured" means you, your insured Spouse or your insured Dependent Children. "Principal Sum" means the amount you selected and which is stated on your most recently signed enrollment card on file with the Policyholder. "Residence" means the primary dwelling of which the Insured is an occupant and the premises on which it is situated. The Company means RBC Life Insurance Company. "Male pronoun" wherever used includes the female. Page 1 (8/1/2009)

3 ELIGIBILITY You are eligible if you are a permanent active full-time and part-time employees. Your Spouse and your eligible Dependent Children may also be covered if you so choose. It is completely voluntary: you choose the amount of insurance that you would like to have and then your premium is collected by payroll deduction. "Spouse" means a person under age 70 who is living with you and who is legally married to you; or if you are not married, is a person whom you have publicly represented as your spouse and with whom you have resided continuously for at least 12 months in a conjugal-like relationship, civil union, adult interdependent relationship, or any other formal union defined and recognized by law and who is: at least 18 years of age; competent to contract; and not related by blood closer than would legally bar marriage. "Dependent Children" means your natural born children, legally adopted children, step-children, common-law children for whom you have legal custody or any other children dependent upon you for support and maintenance in a parent-child relationship as defined under the Income Tax Act, where such children are unmarried, one day old but under 21 years of age, or under 25 years of age and in attendance at an institution for higher learning on a full-time basis, or mentally or physically handicapped. Mentally or physically handicapped children remain eligible beyond the maximum age shown above, provided they are incapable of self-sustaining employment and remain totally dependent upon you for support and maintenance. LOSS SCHEDULE If within one year from the date of the accident, Injury results in any of the following specific losses, the Company pays the sum set opposite such loss for Injury resulting from an accident. Each sum is calculated based on the amount of Principal Sum. Percentage of Principal Sum For Loss of: Life...100% Sight of Both Eyes...100% One Hand and Sight of One Eye...100% One Foot and Sight of One Eye...100% Speech and Hearing in Both Ears...100% Sight of One Eye /3% Speech or Hearing in Both Ears /3% Hearing in One Ear...25% All Toes of One Foot...25% For Loss of or Loss of Use of: Both Hands or Both Feet...100% One Hand and One Foot...100% One Arm or One Leg...75% One Hand or One Foot /3% Thumb and Index Finger of the Same Hand or at Least Four Fingers of One Hand /3% For Paralysis of: All four limbs (Quadriplegia)...200% Both lower limbs (Paraplegia)...200% One arm and one leg on the same side of the body (Hemiplegia)...200% Page 2 (8/1/2009)

4 "Loss" means, with regard to: Hands and Feet: Actual severance through or above the wrist or ankle joint; Arms and Legs: Actual severance through or above the elbow or knee joint; Thumbs and Fingers: Actual severance through or above the metacarpophalangeal joints; Toes: Actual severance through or above the metatarsophalangeal joints; Eyes: Entire and irrecoverable loss of sight; Speech and Hearing: Entire and irrecoverable loss of Speech and/or Hearing; Paralysis: Total and irreversible Paralysis; Loss of Use: Total and irrecoverable Loss of Use. The Loss of Use must be continuous for 12 months after which the benefit is payable, provided the nerve damage is determined to be permanent. Indemnity provided under this section for all losses the Insured sustains as a result of any one accident does not exceed the following: 1. With the exception of Quadriplegia, Paraplegia and Hemiplegia, the Principal Sum; 2. With respect to Quadriplegia, Paraplegia and Hemiplegia, two times the Principal Sum. In no event is indemnity payable for all losses under this section to exceed, in the aggregate, two times the Principal Sum as the result of the same accident. REPATRIATION If an Injury causes the death of the Insured at least fifty (50) kilometres away from his principal city of Residence and results in the Company making a payment under the Loss Schedule, payment is made up to the amount stated in the Schedule of Benefits for the preparation and transportation of the Insured s body to the city of permanent Residence. REHABILITATION When an Injury which does not cause your loss of life results in the Company making a payment under the "Loss Schedule", an additional amount is paid for the reasonable and necessary expenses actually incurred up to the amount stated in the "Schedule of Benefits" for your special training, provided (1) you have to undergo training as the result of the Injury in order to be qualified to engage in an occupation in which you would not have engaged in except for such Injury and (2) expenses are incurred within three years from the date of the accident. No payment is made for ordinary living, travelling or clothing expenses. When an Injury which does not cause you or your insured Spouse's loss of life results in the Company making a payment under the "Loss Schedule", an additional amount is paid for the reasonable and necessary expenses actually incurred up to the amount stated in the "Schedule of Benefits" for your or your Spouse's special training, provided (1) you have or your Spouse has to undergo training as the result of the Injury in order to be qualified to engage in an occupation in which you or your Spouse would not have engaged in except for such Injury and (2) expenses are incurred within three years from the date of the accident. No payment is made for ordinary living, travelling or clothing expenses. Page 3 (8/1/2009)

5 SPOUSAL RETRAINING If an Injury causes your death and results in the Company making a payment under the "Loss Schedule", payment is made for the expenses actually incurred within three years following the date of the accident by your insured Spouse, for an approved and mutually agreed upon formal occupational program, specifically qualifying him to gain active employment in an occupation for which he would otherwise not have had sufficient qualifications. The maximum payable hereunder is the amount stated in the "Schedule of Benefits". In the event your insured Spouse does satisfy the requirements indicated above, such Spouse is deemed the beneficiary of the benefit. EDUCATION If an Injury causes your death and results in the Company making a payment under the "Loss Schedule", an education benefit is paid for an eligible Dependent Child. An insured Dependent Child is eligible for this benefit if at the time of the accident, he is enrolled as a full-time student in an Institution for Higher Learning beyond the 12th grade level, or he is in the 12th grade level and enrolls as a full-time student in an Institution for Higher Learning within 365 days following the date of the accident. The annual payment is equal to the lesser of the percentage of your Principal Sum or the amount which are stated in the "Schedule of Benefits". The education benefit is paid each year for four consecutive years if the Dependent Child remains enrolled as a full-time student. The first payment is made when the benefit for loss of life becomes payable and the date the Company receives written proof that the Dependent Child is attending an Institution for Higher Learning as a full-time student. Future payments are made for each following school year on the date the Company receives written proof that the Dependent Child is attending an Institution for Higher Learning as a full-time student. If, at the time of your death, there are Dependent Children not eligible for the education benefit, the Company pays an amount of $1,500 to your beneficiary. 1% of your Principal Sum to your beneficiary, subject to a minimum of $500 and a maximum of $2,500. "Institution for Higher Learning" includes any university, CEGEP, trade school or college, as defined where you lived prior to your death. The maximum benefit amount provided for the purposes of educational expenses does not exceed, in the aggregate, $5,000 per year per insured Dependent Child between all policies issued to the Policyholder by the Company. CHILD CARE If an Injury causes your death and results in the Company making a payment under the "Loss Schedule", a child care benefit is paid for an eligible Dependent Child. An insured Dependent Child is eligible for this benefit if he is under 13 years of age and, at the time of the accident, he is enrolled in a Day Care Center or he enrolls in a Day Care Centre within 90 days following the date of the accident. The annual payment is equal to the lesser of the percentage of your Principal Sum or the amount which are stated in the "Schedule of Benefits". Page 4 (8/1/2009)

6 The child care benefit will be paid each year for four consecutive years if the Dependent Child remains enrolled in a Day Care Centre. The first payment will be made when the benefit for loss of life becomes payable and the date the Company receives written proof that the Dependent Child is enrolled in a Day Care Centre. Future payments are made for each following year on the date the Company receives written proof that the Dependent Child is actually enrolled in a Day Care Centre. If, at the time of your death, there are Dependent Children not eligible for the child care benefit, the Company pays an amount of $1,500 to your beneficiary. 1% of your Principal Sum to your beneficiary, subject to a minimum of $500 and a maximum of $2,500. "Day Care Centre" means a facility which is operated according to law, including laws and regulations applicable to day care facilities and which provides care and supervision for children in a group setting on a regular basis. Day Care Centre neither includes a hospital, the child's home, care provided during normal school hours while a child is attending grades 1 through 12 nor any other day care facility which does not charge a fee for services rendered. The maximum benefit amount provided for the purposes of day care expenses does not exceed, in the aggregate, $5,000 per year per insured Dependent Child between all policies issued to the Policyholder by the Company. CHILD ENHANCEMENT When an Injury which does not cause your insured Dependent Child's loss of life results in the Company having to make a payment under the "Loss Schedule", the Company pays two times the amount applicable up to the maximum amount stated in the "Schedule of Benefits". FAMILY TRANSPORTATION When an Injury to the Insured which does not cause loss of life results in the Company making a payment under the "Loss Schedule", and such Insured is confined as an in-patient in a Hospital located from a point of not less than 100 kilometres from his normal place of Residence, is under the Regular Care and Attendance of a Physician and requires the personal attendance of a Member of the Immediate Family as recommended by the attending Physician, payment is made for the expense incurred by the family member for Accommodation and transportation to the Insured's bedside by the most direct route by a licensed common carrier, not to exceed the amount stated in the "Schedule of Benefits" as a result of any one accident. When, as the result of an Injury, the Insured is confined as an in-patient in a Hospital located from a point of not less than 100 kilometres from his normal place of Residence, is under the Regular Care and Attendance of a Physician and requires the personal attendance of a Member of the Immediate Family as recommended by the attending Physician, payment is made for the expense incurred by the family member for Accommodation and transportation to the Insured's bedside by the most direct route by a licensed common carrier, not to exceed the amount stated in the "Schedule of Benefits" as a result of any one accident. Payment is not made for board or ordinary living, travelling or clothing expenses. If transportation occurs in a vehicle or device other than one operated under a license for the conveyance of passengers for hire, then reimbursement of transportation expenses is limited to a maximum of $0.20 per kilometre travelled. Hospital" means an institution licensed as a hospital, which is open at all times for the care and treatment of sick and injured persons, has a staff of one or more Physicians available at all times and which continuously provides 24 hour nursing service by graduate registered Nurses. It provides organized facilities for diagnostics and surgery, is an active treatment hospital and not primarily a clinic, rest home, nursing home, convalescent hospital or similar establishment. For the purpose of this definition, Physicians and Nurses will not exclude a Member of the Immediate Family. "Nurse" means a graduate registered nurse (R.N.) or nurse who is licensed to practise nursing service by a governmental agency having jurisdiction over such licensing. Nurse is neither the Insured nor a Member of the Immediate Family. Page 5 (8/1/2009)

7 "Regular Care and Attendance" means medical treatment to the extent necessary under existing standards of medical practice for the condition causing disability, Hospital confinement or requiring such treatment. "Physician" means a doctor of medicine (other than the Insured or a Member of the Immediate Family) licensed to practise medicine by (1) a recognized medical licensing organization in the locale where the treatment is rendered, provided he is a member in good standing of such licensing body or (2) a governmental agency having jurisdiction over such licensing in the locale where the treatment is rendered. "Member of the Immediate Family" means a person at least 18 years of age, who is the son, daughter, father, mother, brother, sister, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, sisterin-law (all of the previous include natural, adopted and step relationships), spouse, grandson, granddaughter, grandfather or grandmother of the Insured. "Accommodation" means lodging in the vicinity of the Hospital where the Insured is confined. SEAT BELT When an Injury to the Insured results in the Company making a payment under the "Loss Schedule", the Company increases the benefit amount payable by the lesser of the percentage of your Principal Sum or the amount which are stated in the "Schedule of Benefits", provided that (1) such loss occurs while you are a passenger or driver of a private passenger type Vehicle, (2) the Seat Belt is properly fastened and (3) verification of the actual use of the Seat Belt is part of the official report of the accident or certified by the investigating officer. The driver of the vehicle must hold a current and valid driver's license of a rating authorizing him to operate such Vehicle and neither be intoxicated nor under the influence of drugs, unless such drugs are taken as prescribed by a Physician, at the time of the accident. "Intoxicated" and "under the influence of drugs" are as defined by the local jurisdiction where the accident occurs. "Physician" means a doctor of medicine (other than yourself or a Member of the Immediate Family) licensed to practise medicine by (1) a recognized medical licensing organization in the locale where the treatment is rendered, provided he is a member in good standing of such licensing body or (2) a governmental agency having jurisdiction over such licensing in the locale where the treatment is rendered. "Member of the Immediate Family" means a person at least 18 years of age, who is your son, daughter, father, mother, brother, sister, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, sisterin-law (all of the previous include natural, adopted and step relationships), spouse, grandson, granddaughter, grandfather or grandmother. "Seat Belt" means those belts that form a restraint system and includes infant and child restraint systems when properly used with a seat belt. "Vehicle" means a passenger car, station wagon, van, jeep-type automobile or truck. HOME ALTERATION AND VEHICLE MODIFICATION When an Injury to the Insured which does not cause loss of life results in the Company making a payment under the "Loss Schedule" and such Insured is subsequently required, due to the cause for which payment is made, to use a wheelchair to be ambulatory, the Company pays, upon presentation of proof of payment (1) the one-time cost of alterations to the Insured's Residence to make it wheelchair accessible and habitable and (2) the one-time cost of modifications necessary to the Insured's motor vehicle to make it accessible or driveable. Benefit payments herein will not be paid unless home alterations are made by a person or persons experienced in such alterations and recommended by a recognized organization providing support and assistance to wheelchair users and vehicle modifications are carried out by a person or persons with experience in such matters and modifications are approved by the provincial vehicle licensing authorities. Page 6 (8/1/2009)

8 The maximum payable does not exceed the amount stated in the "Schedule of Benefits". EXPOSURE AND DISAPPEARANCE If loss results from unavoidable exposure to the elements and indemnity is otherwise payable hereunder, such loss is payable under the terms of the policy. If the Insured's body is not found within one year after the date of the disappearance, sinking or wrecking of the vehicle in which he is an occupant at the time of the accident and under such circumstances as would otherwise be covered hereunder, it is presumed that the Insured suffered loss of life resulting from bodily Injury caused by an accident at the time of such disappearance, sinking or wrecking. WAIVER OF PREMIUM If you become totally disabled from an accident or sickness and waiver of premium is approved under your applicable Basic Group Life Insurance Plan, your premiums (and those of your insured Spouse and/or insured Dependent Children, if applicable) are waived while total disability continues, until the earlier of your recovery from total disability, your attainment of age 65, your eligibility terminates or the policy is terminated. If you become totally disabled from an accident or sickness and waiver of premium is approved under your applicable Group Long Term Disability Insurance Plan, your premiums (and those of your insured Spouse and/or insured Dependent Children, if applicable) are waived while total disability continues, until the earlier of your recovery from total disability, your attainment of age 65, your eligibility terminates or the policy is terminated. If you become totally disabled from an accident or sickness and this condition continues for at least six consecutive months, your premiums (and those of your insured Spouse and/or insured Dependent Children, if applicable) are waived while total disability continues, until the earlier of your recovery from total disability, your attainment of age 65, your eligibility terminates, the policy is terminated or failure to provide the Company, upon request, proof of your continued total disability. CONVERSION PROVISION You may convert to an individual plan of insurance similar to this one, subject to the terms and conditions of the Company's individual program. The maximum principal sum available under the converted policy is $100,000 and the rates are those in effect at the time of conversion. This conversion must take place within 31 days of termination of coverage under the policy. The maximum amount payable by the Company under all converted policies is $200,000. AMOUNTS OF PRINCIPAL SUM AVAILABLE You may elect to insure yourself only OR yourself and your family for one of the plans outlined below: 1. Employee Only Plan You may select amounts of insurance from a minimum of $10,000 to a maximum of $250,000, in units of $10, Employee and Family Plan You may select amounts of insurance from a minimum of $10,000 to a maximum of $250,000, in units of $10,000. And your family is automatically insured for the following: Page 7 (8/1/2009)

9 (a) Spouse Your Spouse is insured for 50% of the amount you elect for yourself if you have Dependent Children, or 60% if you do not. (b) Each Dependent Child Each Dependent Child is insured for 10% of your amount if you have a Spouse, or 15% if you do not, to a maximum of $37,500 per Dependent Child. If a husband and wife are both employees of the Policyholder, they may both enroll, with one employee electing the Employee Only Plan and the other electing the Employee and Family Plan with Dependent Children only. The employee who does not enroll is considered the Spouse to be insured under the Employee and Family Plan. COST OF INSURANCE Premiums are payable by payroll deductions. The premium rate for the Employee Only Plan is $0.030 per month for each $1,000 of insurance. The premium rate for the Employee and Family Plan is $0.045 per month for each $1,000 of insurance. Some examples are shown below: BENEFIT AND PREMIUM PER MONTH Principal Sum selected for yourself Employee Only Plan Employee and Family Plan Minimum $ 10,000 $0.30 $0.45 $ 20,000 $0.60 $0.90 $ 30,000 $0.90 $1.35 $ 40,000 $1.20 $1.80 $ 50,000 $1.50 $2.25 $ 70,000 $2.10 $3.15 $ 100,000 $3.00 $4.50 $ 150,000 $4.50 $6.75 $ 200,000 $6.00 $9.00 Maximum $ 250,000 $7.50 $11.25 Retail sales taxes are calculated based on the premiums applicable to those employees of the Policyholder who reside and/or report for work in Ontario and Quebec. They are not included in the above premiums. Page 8 (8/1/2009)

10 EXAMPLE: If you select $100,000 of coverage, the amounts insured are: Employee only Plan Employee and Family Plan Employee... $100,000 $100,000 Spouse...(50%) N/A 50,000 Each Child...(10%) N/A 10,000 Your payroll deduction is: Employee only Plan... Employee and Family Plan... $3.00 per month. $4.50 per month. ENROLLMENT It is quite easy to enroll in this plan. Simply complete the enrollment form which forms part of this booklet. 1. SELECT THE TYPE OF PLAN DESIRED: Employee Only Plan or Employee and Family Plan. 2. SELECT THE AMOUNT OF INSURANCE YOU DESIRE. 3. COMPLETE THE ENROLLMENT FORM AND RETURN IT TO THE HUMAN RESOURCES DEPARTMENT. The Plan* I have selected is: [ ] Employee Only [ ] Employee and Family The Principal Sum I have selected is: $ * FOR YOUR RECORDS AND REFERENCE, WE SUGGEST THAT YOU INDICATE THE AMOUNT OF INSURANCE SELECTED AND THE PLAN CHOSEN. If you decide not to participate in the program, you are nevertheless required to complete the section on the enrollment form declining participation and return it to the Human Resources Department. EFFECTIVE DATE The effective date of the plan is. Your insurance is effective on the first of the month following the date of receipt of your enrollment form by the Human Resources Department. INCREASE, DECREASE OR CANCELLATION OF INSURANCE You may increase or decrease your amount of coverage by submitting an application to the Human Resources Department. You may cancel your coverage by providing written notice to the Human Resources Department. Coverage ceases at the end of the period for which you have paid premium. Should your marital or family status change and as a result, you wish to change your current coverage, written notice must be given to the Human Resources Department. Page 9 (8/1/2009)

11 INDIVIDUAL TERMINATIONS Your coverage immediately terminates on the earliest of the following dates: 1. on the date the policy is terminated; 2. on the premium due date if the Policyholder fails to pay the required premium on your behalf, except as the result of an inadvertent error; 3. on the date you reach 70 years of age; or 4. on the date you cease to be associated with the Policyholder in a capacity making you eligible for insurance under the policy, unless stated otherwise. Your insured Spouse's and/or insured Dependent Children's coverage immediately terminates: 5. on the date they cease to be eligible; or 6. on the date your insurance is terminated, unless stated otherwise. Upon termination of employment or eligibility for any reason, the insurance coverage is continued until the end of the period for which the premium is paid. EXCLUSIONS The insurance does not cover losses caused in any way from suicide or any suicide attempt; self-inflicted injuries; nuclear war or war between a country of North America and/or the states of the former Soviet Union, China, France or the United Kingdom; full-time active service in the armed forces of any country; travelling as a pilot or crew member of any aircraft or travel in the Policyholder's owned, operated or leased aircraft. The insurance does not cover losses caused in any way from suicide or any suicide attempt; self-inflicted injuries; nuclear war or war between a country of North America and/or the states of the former Soviet Union, China, France or the United Kingdom; full-time active service in the armed forces of any country; travelling as a pilot or crew member of any aircraft or travel in the Policyholder's owned, operated or leased aircraft; being under the influence of a controlled substance as defined by federal or provincial law, unless administered on the advice of a Physician; operating a motor vehicle either under the influence of any intoxicant or if the Insured s blood alcohol concentration is in excess of 80 milligrams of alcohol per 100 millilitres of blood. PAYMENT OF BENEFITS Your accidental death benefit is paid to the beneficiary designated on your enrollment form, or to your estate if no such designation is made. Any other benefits payable (which include those payable for your insured Spouse and/or insured Dependent Children) are paid to you (those described in the Loss Schedule are paid as a percentage of the Principal Sum). CLAIM PROCEDURES To make a claim under this plan, written notice of the accident must be given to the Company within 30 days of the date of the accident and written proof must be submitted within 90 days of the date of the accident. The Company provides the necessary claim forms as well as instructions covering other requirements that may aid in a prompt handling of the claim. If the Company does not receive the required notice and proof of loss, the claim may not be considered after the 90 day period has expired, unless there is good reason for the delay. In no event is a claim considered after one year from the date of the accident if the Company was not notified and the necessary forms not completed and submitted to the Company. Page 10 (8/1/2009)

12 DISCLAIMER This booklet should be kept with your Employee Handbook. It is a summary of the principal features of the plan and is presented as a matter of general information only. The contents are not to be accepted or construed as a substitute for the provisions of Master Policy GSR underwritten by RBC Life Insurance Company. Arranged by MGI Financial 491 Portage Avenue Winnipeg, Manitoba R3B 2E4 Underwritten by: RBC Life Insurance Company PO Box 1800 Stn B Mississauga Ontario L4Y 3W6 Page 11 (8/1/2009)

13 RBC Life Insurance Company VOLUNTARY ACCIDENT INSURANCE ENROLLMENT FORM POLICYHOLDER: Brandon University EMPLOYER (If different from Policyholder) POLICY NUMBER: GSR EMPLOYEE: Last Name First Name Initial DATE OF BIRTH: (MM/DD/YY) (Employee Number) EMPLOYEE'S AMOUNT OF INSURANCE: $ PLAN - Employee Only Employee and Family BENEFICIARY: RELATIONSHIP: IN QUEBEC, IF YOUR SPOUSE IS THE PRIMARY BENEFICIARY, IS YOUR DESIGNATION: REVOCABLE? IRREVOCABLE? COMPLETE ONLY IF YOU HAVE CHOSEN THE FAMILY PLAN. YOU ARE THE BENEFICIARY FOR YOUR ELIGIBLE DEPENDENTS. YOUR SPOUSE: DATE OF BIRTH: Last Name (MM/DD/YY) I authorize the deduction from my salary of the premiums for the insurance applied for as shown above. First Name Initial I have been given the opportunity to apply for this insurance but I do not wish to participate. (Employee s Signature) (Date) MUST BE SIGNED AND RETURNED TO YOUR HUMAN RESOURCES DEPARTMENT. PLEASE INDICATE YOUR CHOICE CLEARLY. EFFECTIVE DATE: MONTHLY DEDUCTION: $ (OFFICE USE ONLY)

14 COLLECTION AND USE OF PERSONAL INFORMATION Collecting your personal information We (RBC Life Insurance Company) may from time to time collect information about you such as: information establishing your identity (for example, name, address, phone number, date of birth, etc.) and your personal background; information related to or arising from your relationship with and through us; information you provide through the application and claim process for any of our insurance products and services; and information for the provision of products and services. We may collect information from you, either directly or through representatives. We may collect and confirm this information during the course of our relationship. We may also obtain this information from a variety of sources including hospitals, doctors and other health care providers, the MIB, Inc., the government (including government health insurance plans) and other governmental agencies, other insurance companies, financial institutions, motor vehicle reports, and your employer. Using your personal information This information may be used from time to time for the following purposes: to verify your identity and investigate your personal background; to issue and maintain insurance products and services you may request; to evaluate insurance risk and manage claims; to better understand your insurance situation; to determine your eligibility for insurance products and services we offer; to help us better understand the current and future needs of our clients; to communicate to you any benefit, feature and other information about products and services you have with us; to help us better manage our business and your relationship with us; and as required or permitted by law. For these purposes, we may make this information available to our employees, our agents and service providers, and third parties, who are required to maintain the confidentiality of this information. If you are insured under a group insurance policy obtained through your employer, we may also share your information with your employer when necessary for the services we provide to you. Your health information will not be shared with your employer without your consent. In the event our service provider is located outside of Canada, the service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Third parties may include other insurance companies, the MIB, Inc. and financial institutions. We may also use this information and share it with RBC companies (i) to manage our risks and operations and those of RBC companies and (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests. If we have your social insurance number, we may use it for tax related purposes and share it with the appropriate government agencies.

15 Your right to access your personal information You may obtain access to the information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about our privacy policies, you may do so now or at any time in the future by contacting us at: RBC Life Insurance Company P.O. Box 515, Station A, Mississauga, Ontario L5A 4M3 Telephone: Facsimile: (905) Our privacy policies You may obtain more information about our privacy policies by asking for a copy of our Straight Talk brochure about privacy, by calling us at the toll free number shown above or by visiting our web site at Registered trademarks of Royal Bank of Canada. Used under licence.