Term Life Insurance for CARP Members. Protection that fits your life. Today and for years to come.

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1 Term Life Insurance for CARP Members Protection that fits your life. Today and for years to come.

2 Finally, An Insurance Plan That Let s You Live Life On Your Terms Since none of us can predict what tomorrow might hold, planning for the unexpected is essential. A critical part of this planning is ensuring you have enough life insurance to safeguard your family s lifestyle and financial future. If you re a CARP member up to age 70, and want to give your family the peace of mind and security they deserve, then Term Life Insurance for CARP Members is a simple and affordable solution. For the next 10 years at least, you will gain additional financial security for you and your family, while continuing to live life on your terms. Coverage Available Up To $150,000 Term Life Insurance for CARP Members coverage ranges from $50,000 to $150,000 in increments of $25,000. Choose the level of protection that suits your needs and budget. If the unthinkable occurs, your benefits will help to lessen any financial burdens your family may face. Your beneficiary can use the money to pay off the mortgage, debts or other loans, final expenses, living expenses, childcare or education expenses... the choice will be theirs. Coverage Is Affordable Term Life Insurance for CARP Members offers you the maximum coverage for your money. Premiums are based on gender and age. The younger you are when you apply, the lower your rates will be. Apply now before your next birthday and when approved, you ll pay that premium for the next 10 years! Non-smokers enjoy on average, premiums that are 50% lower than smokers. (Smokers who become policyholders can reapply for non-smoker rates if they have quit smoking for at least 12 months.)

3 Your Premiums Will Not Increase For 10 Years That s Guaranteed Knowing Term Life Insurance for CARP Members premiums will not change for the next 10 years makes this insurance protection easier to plan for. At the end of the first 10 years, and every 10 years thereafter as long as your policy remains in force, coverage will be renewed at your new age-based rate without a medical examination or questions required. You ll be able to maintain this valuable protection even if your health changes. Guaranteed Renewable Up To Age 85 When your application is approved, your coverage is guaranteed renewable every 10 years to age 85, regardless of changes in your health or occupation, as long as your premiums are paid. Of course, you can choose to cancel this protection at any time. Convert To A Permanent Life Policy Before age 70, you can convert your term life plan to a Manulife Financial permanent life insurance policy regardless of your health, and without any additional medical information required. Rates then in effect for the permanent life plan will apply. Coverage Includes A Living Benefit Term Life Insurance for CARP Members gives you added peace of mind in knowing that should you be diagnosed with a terminal illness with less than one year to live, the plan makes available 50% of your term life coverage to a maximum of $75,000 tax-free, provided you re less than age 83 and your policy has been in effect for at least two years. You won t pay any further premiums and can use the money however you wish. Instead of worrying about your finances, you can focus on yourself and your family. At the time of death, your beneficiary will receive the balance of your coverage amount.

4 Monthly Premiums Per Person TERM LIFE INSURANCE FOR CARP MEMBERS $ $ $ $ $ $ $ $ AGE $50,000 $50,000 $75,000 $75,000 $100,000 $100,000 $150,000 $150, $ $ $ $ $ $ $ $ Rates are subject to change without notice. Residents of Quebec, please call toll-free to discuss your coverage options. FEMALE RATES / BENEFIT AMOUNTS MALE RATES / BENEFIT AMOUNTS

5 It s Easy To Apply For Coverage 1. Complete the application form. 2. Premiums are paid by automatic withdrawal, MasterCard or Visa. Please enclose a blank cheque marked VOID or your credit card information to set up the Pre-Authorized Plan. Please do not send money. 3. Mail your application in the supplied envelope. Your Satisfaction Is Guaranteed If you re not completely satisfied upon receipt of your new policy, send it to Manulife Financial within 30 days for a refund and to cancel your coverage. NOTICE ON EXCHANGE OF INFORMATION: Information regarding your insurability will be treated as confidential. The Insurer or its reinsurers may, however make a brief report on it to the MIB, Inc., formerly known as Medical Information Bureau, a non-profit membership organization of insurance companies which operates an insurance information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company with the information about you in its file. Upon receipt of a request from you, the MIB will arrange disclosure of any information in your file. Please contact MIB at If you question the accuracy of the information in MIB s file, you may contact MIB and seek a correction. The address of MIB s information office is: 330 University Avenue, Suite 501, Toronto, Ontario M5G 1R7. NOTICE ON PRIVACY AND CONFIDENTIALITY: The specific and detailed information requested on your Application Form is required to process your application. To protect the confidentiality of this information, Manulife Financial will establish a financial services file from which this information will be used to process your application(s), offer and administer services and process claims relative to the insurance applied for. Access to the file will be restricted to those Manulife Financial employees, mandataries, administrators or agents who are responsible for the assessment of risk (underwriting), marketing and administration of services and the investigation of claims, and to any other person you authorize or as authorized by law. These people, organizations and service providers may be in jurisdictions outside Canada, and subject to the laws of those foreign countries. Your application for the Term Life Insurance Plan for CARP Members may be made known to The McLennan Group Insurance Inc. in order to bring in order to bring other products and services offered under the Insurance Programs for CARP Members to your attention. Your consent to the use of personal information to offer you products and services is optional and if you wish to discontinue such use, you may write to Manulife Financial at the address shown below. Your file is secured in our offices or those of our administrator or agent. You may request to review the personal information your file contains and make corrections by writing to the Privacy Officer, Affinity Markets, Manulife Financial, P.O. Box 4213, Stn A, Toronto, Ontario M5W 5M3.

6 Coverage solutions for CARP members, from the providers you can trust: We ve been earning the trust of Canadians for more than 120 years. We look forward to earning yours. Proud to be CARP s only recommended and trusted insurance provider since carpinsurance.ca Important Notice: This brochure is intended to provide a brief summary of the Term Life Insurance Plan for CARP Members. This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife Financial upon final application approval. It contains important details concerning exclusions, conditions and limitations. Please review them carefully upon receipt. The Term Life Insurance Plan for CARP Members is offered through The Manufacturers Life Insurance Company (Manulife Financial). Manulife, Manulife Financial, the Manulife Financial For Your Future logo and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. Product may not be available in all provinces. Life and Health Plans offered by The McLennan Group Life Insurance Inc. CARP-TL-BRO-E(05/11)

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