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1 Helpful advice from CARP s recommended & trusted insurance provider VOLUME 5 Have questions when you buy insurance Inside this issue: HOW do I choose the right coverage? WHAT makes the plans different? WHEN is the best time to buy? WHO can I talk to about my insurance? We ve simplified insurance for CARP members

2 Go ahead and compare... We understand no one insurance program can possibly be the best solution for everyone, so we encourage CARP members to compare before you buy. But because it s hard to compare when you don t know what you re looking for, this issue of Insurance Insights provides information about the features, benefits, rates and coverage options of different types of insurance. With this knowledge, you can compare programs apples-to-apples and make an informed buying decision. And besides, we know the closer you look at competitive programs and insurance providers, the better we ll look. Finally, be sure the program you select is right for your needs. Always read the fine print and ask questions. And remember, when you buy insurance without proper coverage, it s like having no insurance at all. Take a closer look 8 Critical Illness 12 Guaranteed Issue Life 13 Term Life 4-5 Auto & Home 9 Long Term Care 14 Losing Group Benef its Auto & Home Insurance offered by The McLennan Group Insurance Inc. and is underwritten by Northbridge Personal Insurance Corporation, Northbridge General Insurance Corporation, Traders General Insurance Company or Zenith Insurance Company, depending on your province of residence. Premiums and eligibility for group program will vary for specific drivers depending upon individual factors. Pet Insurance underwritten by Northbridge General Insurance Corporation and distributed by PTZ Insurance Brokers Ltd. (by Sodaco Juridique Inc. in Quebec). Life and Health plans offered by The McLennan Group Life Insurance Inc. Health & Dental, Guaranteed Issue Life, and Term Life Insurance, FollowMe Health, and FollowMe Life underwritten by The Manufacturers Life Insurance Company. Travel Insurance underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife Financial. Critical Illness and Long Term Care Insurance offered through MyDignity Inc. AD&D Insurance underwritten by Chartis Insurance Company. / Trademarks held by The Manufacturers Life Insurance Company. Group rates and certain products may not be available in all jurisdictions. Certain conditions, limitations, exclusions and restrictions apply. Refer to policy wordings for complete details. CARP recommends us. We re The McLennan Group Insurance Inc., CARP s recommended and trusted providers since We partner with leading Canadian insurance companies to offer innovative coverage solutions for Canadians 50-plus. We think you ll agree that Insurance Programs for CARP Members offer you the perfect combination of value, coverage, and customer service, with the advice you can trust. 6 Health & Dental 10 Long Term Care Simplif ied 15 Accident 7 Travel 11 Pet Don t gamble with your safety. The stakes are too high. We want you to be safe at home, in your vehicles, and on vacation. That s why we work with retired Police Sergeant Bob Paterson to share simple, and practical safety tips for Canadians 50-plus. 2 VOLUME 5 3

3 Auto & Home Insurance It s what s inside that counts! The proper coverage for your needs Reliable and accessible claims service Accident forgiveness included An insurance provider you can trust What to look for in a plan: Everyone talks about low insurance rates, but what about coverage? If you are not adequately covered for a loss, will that low price really matter? Make sure you can tailor coverage to your needs. For your auto you might want a waiver of depreciation endorsement and accident forgiveness. For your home, it might be guaranteed replacement cost or coverage for valuable articles. What about personal umbrella liability? Deal with a provider who makes insurance coverage simple to understand so you ll know you re protected. And ask about their claims service that s where the rubber really hits the road. Do your homework when buying auto & home insurance, and look beyond the premiums, because you can t afford to buy on price alone. With Auto & Home Insurance for CARP Members, you ll find a list of features, benefits, coverages and available discounts posted online. Call Toll-Free: Click: carpinsurance.ca Auto Insurance Savings Claims If it sounds too good to be true, it probably is. When an auto insurance company says in an ad how much you ll save, ever notice the disclaimer? Usually it s pointing out that savings realized by one person may not apply to you. And that s because along with other factors, your premiums are based on your individual driver profile, use and model of your vehicle, plus the type and amount of coverage purchased. So can you save by switching plans? With the right discounts, or even by moving to a group plan, yes you can. Here are simple ways to lower your auto insurance premiums. 4 Increase your deductible. 5 But when you compare premiums, make sure that you are comparing apple-to-apples. It s easy to reduce coverage levels, take away plan benefits and scrimp on service to make any plan seem inexpensive. It s price versus value, and you get what you pay for Drive safely to avoid claims and accidents. Ask for a list of available discounts and start saving! Drop collision coverage on older vehicles. Buy your auto & home coverage from the same provider; one who insures only safe, experienced drivers like you. 4 VOLUME 5 5

4 Health & Dental Insurance Without a company health plan, you could be paying thousands of dollars each year for the services you require. Supplemental health insurance picks up where government plans end. With basic or comprehensive coverage, on its own or supplementing an existing company plan, it can be easy to protect yourself if you know what to look for. Choose a plan with the benefits you want, i.e.: just dental, or prescription drugs, or wide-ranging coverage. Coverage levels and co-pay amounts will affect your premiums. Some plans will offer you the benefit of guaranteed acceptance. Look for a plan with the convenience of not having to pay upfront for most health care benefits. 6.8% of budget in 2011 Statistics Canada reports that senior-headed households spent an average of 6.8% of their 2011 goods & services budget on health care. Compare Health & Dental Insurance for CARP Members five cost-effective plans carpinsurance.ca 6 VOLUME 5 The benefits receiving limited or no coverage from your government health plan include... dental and vision care, therapists, specialists, ambulance service and prescript ion drugs. Surprised? Travel Insurance You can t afford to go without it! You are strongly advised to purchase additional health insurance every time you leave Canada and ensure that the supplementary insurance you have purchased provides adequate coverage. A travel insurance company sales pitch? Nope, it s a warning posted on the website of the Ontario Ministry of Health & Long-Term Care. Away from home, provincial health plan coverage is limited. While a US hospital stay can cost $4,000* daily, provincial plans pay much less per day. In serious cases, the cost / coverage gap can reach tens of thousands of dollars each day. You pay the difference. Our best advice? Complete applications honestly. Read the fine print. Think coverage more than cost. Buy from a licensed broker. *The Economist, June Ask questions BEFORE you buy: What are your coverage options? Information needed for application? Any pre-existing condition exclusions? Are you covered for the entire trip; can you extend coverage after departure? Return trip home paid in an emergency? Any policy maximums and/or restrictions? Is 24-hour emergency assistance provided? Must you first call the toll-free number in an emergency to be eligible for coverage? For proper protection and the right advice, it s Travel Insurance for CARP Members: carpinsurance.ca 7

5 Critical Illness Insurance The f inancial effects of illness or loss of independence can be tragic. Long Term Care Insurance A serious illness could leave you unable to function in your current home or return to work. Expenses not covered by provincial health plans can reach tens or even hundreds of thousands of dollars. Critical illness insurance benefits can be used for home renovations, income replacement, medications, vacations, etc. The choice is yours. Be aware, critical illness insurance has strict underwriting guidelines. Along with the health and lifestyle practices of the applicant, there is a focus on family history, with emphasis on the age a close family member was diagnosed with a covered illness. Critical illness insurance provides tax-free payments upon diagnosis, for costs incurred during treatment for, and recovery from a covered serious illness or condition. Proceeds from the policy can be used at the insured s discretion. Long term care insurance provides you with a monthly income benefit if you are physically dependent, cognitively impaired, or unable to perform the activities of daily living. Coverage allows the insured to receive care in a facility or their home. When illness, accident, or aging causes a loss of independence, then long term care may be required. With reduced government coverage, monthly expenses could reach into the thousands of dollars. Long term care insurance will help you pay those costs and select the type of care you wish to receive. If you ll be 65-plus within 20 years, and want to protect your income, assets and savings, and minimize the impact on the people you love, consider long term care insurance. Premiums are based on your age at time of application, regardless of the type of policy you choose. Most basic plans cover heart attack, stroke, bypass surgery and life-threatening cancer, which make up almost 90% of claims. Comprehensive plans typically cover all of the basic illnesses plus over 20 of the more serious illnesses, disorders and surgeries. Enhanced plans have the option to add a loss of independent existence condition to a comprehensive plan in an effort to mimic long term care insurance. Added features can include premium waiver, mortgage disability protection, hospitalization benefits, plus automatic coverage increases. 8 VOLUME 5 Reimbursement policies repay some or all of your long term care expenses, up to your limit. Indemnity policies reimburse for a set amount, provided you ve incurred qualified expenses. Income based policies pay in the event of a loss of independence, whether or not expenses have been incurred. Receipts are not required. To learn the features and benefits of these vital coverages, contact Critical Illness & Long Term Care Insurance for CARP Members at: carpinsurance.ca 9

6 Affordable coverage Tax-free income benefits Long term care insurance does not have to be complicated! Long Term Care Insurance Simplif ied While long term care insurance offers invaluable benefits, many of us try to obtain protection later in life, when coverage could be more difficult to acquire. The solution may be a simplified issue plan. The phrase simplified issue will typically refer to the quick issuance of an insurance policy due to less underwriting; there will be limited health and lifestyle questions, and no medical exam required. Simplified accept ance Multiple plan types available Coverage available to age 80 Assistance services included Along with coverage up to $50,000 or more, some plans include, free of charge, assistance services such as housekeeping, health monitors, delivery of medications, and more. Take a look at Simplified Issue Long Term Care Insurance for CARP Members, even if you ve been declined elsewhere. Toll-Free: Online: carpinsurance.ca Pet Insurance Does cost affect your decisions regarding veterinary treatment? Two thirds of dogs and cats develop a significant health problem at some point. Accident or illness could easily cause the cost of maintaining your pet s health to rise from hundreds to thousands of dollars each year. With pet insurance, low monthly payments will better prepare the owners of healthy pets for any unexpected health care costs including veterinary appointments, medications, vaccinations, tests and follow-ups. Before you buy, read the terms, conditions, and limits to know what is and what isn t covered. Coverage levels and lifetime maximums affect premiums. Look for added benefits; kennel fees, trip cancellation, etc. Avoid plans that increase their premiums as your pet ages. Ask about exclusions for pre-existing conditions. Look for a plan with coverage for mature pets. Over 1 in 3 pets need emergency veterinary care every year. To help you compare, Pet Insurance for CARP Members posts their rates and complete plan details online in print-ready PDFs. Click: carpinsurance.ca Call: VOLUME 5 11

7 Guaranteed Issue Life Insurance It s true, guaranteed issue life insurance is not for everyone. If you are young and healthy, and you qualify for other types of life insurance, you might find more coverage for the money elsewhere. But if coverage from $2,500 up to $25,000 suits your needs and you like the idea of guaranteed acceptance with no medical questionnaire, guaranteed issue life insurance is for you. Their future may be in your hands As long as premiums are paid, your key benefit is protection for life. Still, look for a plan offering added benefits: Coverage eligibility up to age 80. Accidental death benefit paying up to five times the policy value. A 30-day free look option with a refund if you re not satisfied. A living benefit offering a cash advance up to 50% of the coverage upon diagnosis of a terminal illness. Note: Premiums are based on gender, smoking status & age at application. Compare the coverage, benefits and value you get with Guaranteed Issue Life Insurance for CARP Members: carpinsurance.ca Term Life Insurance For the most insurance coverage for the money, consider term life. Premiums are lower because the policy holds no cash value. Coverage is usually offered for 5, 10 or 20 year terms. Premiums are stable through the term, but rise on renewal. Regardless of future changes in your health, term life plans are guaranteed renewable. Look for plans with an option to renew up to age 85. Some plans let you convert to a permanent life plan with no added medical information. Note: The younger you are when you apply, the lower your premiums. The need for life insurance coverage. With your contribution to the yearly budget, how would your family get by if you died prematurely? Would you like to put money aside for your grandchild s or child s education in the event of your death? Would your final expenses or outstanding debts be a burden for your family? Would life insurance help business succession plans? Did you know you can use life insurance benefits as a donation to charity? For affordable 10-year coverage from $50,000 to $150,000, consider Term Life Insurance for CARP Members. Phone: carpinsurance.ca 12 VOLUME 5 13

8 Losing Your Group Benef its? If a lifestyle or career change means the end of group benefits, age and health could make it difficult to obtain supplemental health insurance or life insurance. That could leave you out-of-pocket for expenses not covered by your provincial health plan, or make it more difficult to protect your family s financial future. There are plans designed to help those losing an employer-sponsored plan maintain their coverage. Many provide benefits similar to what you enjoyed under your previous group plan, while offering the flexibility to select coverage that will suit your needs. When comparison shopping, look for these options: No waiting period. At time of application, no medical exam, and no questionnaire required for coverage to be accepted. Uninterrupted coverage if you apply within 60 days of losing your employersponsored group plan. Life insurance coverage up to the amount you had with your group plan; typically a maximum of up to $200,000. Learn what the CARP Plans have to offer: FollowMe Health FollowMe Life carpinsurance.ca 14 VOLUME 5 Protect yourself by protecting your coverage. Accident Insurance Because accidents can happen. To prevent financial hardship resulting from an accident causing a serious injury or death, you can protect yourself and your family with accidental death & dismemberment (AD&D) insurance. The benefit amount paid will typically depend upon the type of injury. The more serious the injury, the higher the benefit amount. Lump sum payments which can reach $300,000 in the case of death help you cope and adjust to your new situation. Just select the coverage needed to protect yourself and your loved ones. With an optional fractured or broken bones benefit, you can receive up to a maximum of $5,000 for the injuries resulting from a single accident. Another optional benefit in-hospital indemnity provides payments if you re hospitalized over a set number of days. Call Accidental Death & Dismemberment Insurance for CARP Members to ask about complimentary AD&D coverage, available upon request. CARP members who are 70 or under receive $2,000, while those over age 70 receive $1,000 of AD&D coverage carpinsurance.ca 15

9 Insurance Programs for CARP Members When it s easy to protect yourself from whatever life brings your way, you can deal with CARP s trusted provider for all of your insurance needs, and their program partners are experts in the design of innovative coverage solutions for Canadians 50-plus... It s insurance simplif ied Auto & Home Pet Health & Dental and FollowMe Health Travel Term Life Guaranteed Issue Life and FollowMe Life Critical Illness Accident (AD&D) Long Term Care and Simplified Issue LTC carpinsurance.ca Visit us online for complete plan details. Our new easy-to-use app makes insurance simple to understand. Check the features and download for free at: carpinsurance.ca. FREE MOBILE APP! Proud to Be CARP s Trusted Insurance Provider Since 1993 The McLennan Group Insurance Inc. and The McLennan Group Life Insurance Inc. work with a number of trusted Canadian insurers. Auto & Home Insurance Program and Pet Insurance Program offered by The McLennan Group Insurance Inc. Life and Health Plans are offered by The McLennan Group Life Insurance Inc. Group rates and certain products may not be available in all jurisdictions. Certain conditions and restrictions apply. Please refer to your policy wordings for complete details. The McLennan Group Insurance Inc. respects your privacy. Please visit our website to review our Privacy Commitment.

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