2014 IA Sweet Spots ISI PD Days

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1 2014 IA Sweet Spots ISI PD Days The elephant, symbol of our 100 years of strength and longevity. 1 Michael (Mike) Amo, FLMI Director of Sales, Ontario A partner you can trust.

2 CPB the most unique and lucrative compensation package in the industry >FYC on life insurance and critical illness cases count for CPB purposes >IAE cases now count towards CPB >Once an agent achieves $10,000 of net FYC for the calendar year, they receive the CPB payment retroactive to the first dollar of FYC >CPB bonus is paid on all qualifying cases for the balance of the calendar year 2

3 CPB - How agents qualify >Each year an agent achieves $10,000 of net FYC on a continuous annual basis their CPB bonus increases: 1st Year 15% 2nd Year 20% 3rd Year 25% 4th Year 30% *The CPB program provides the agent with as much as 9% to 18% more FYC depending on the policy sold and CPB level 3

4 CPB - Other benefits > Support for education through CLU, CFP, EPC, CSA, CHS (formally RHU) courses > CPB qualifiers who successfully complete these courses receive 100% reimbursement of tuition fees 4

5 Genesis >Variety of death benefit choices including Face plus ACB and Face plus Guaranteed ROP >Available with the lowest face amount in the industry - $10,000 >Level COI options, including the paid up options, do not have surrender charges >Paid up options are NOT dependent on investment rates of return and premiums will never change even if provincial premium tax increases 5

6 UL Seg Fund Guarantee on Equity options Overfunding contractually guaranteed 6

7 40% non-smoker bonus for kids >On traditional whole life policies issued prior to age 14, if the insured is healthy and does not smoke, we will increase the original face amount of the policy by 40% >Available between the ages of 15 and 20 7

8 Ultra 15 all values GUARANTEED >Payable for only 15 years >Extremely generous cash values up to 50% of the face amount at age 65 for issue ages 25 to 40 >Return of premium at death starts in year 1 8

9 Life and Serenity 65 >Life insurance plus Long Term Care >Face amounts available up to $1,000,000 >Pays 1% of the face amount upon diagnosis of Parkinsons, Alzheimers, Paralysis or Loss of Independence for a maximum of 100 months >Always pays at least 25% of the original face amount >Includes waiver of premium 9

10 Child Life Health Duo >Life insurance plus critical illness for kids >Face amounts available up to $500,000 >Pays 50% of the benefit if the insured is diagnosed with one of 32 illnesses including juvenile diabetes and autism >Paid up at age 30 >CI portion fully convertible between the ages of 20 to 25 to a stand alone T75 or T100 >Includes GI options and has the 40% non-smoker bonus 10

11 Pick-a-Term >10 to 40 years and any term inbetween >Issue ages up to 70 (85 minus x) >Renews at YRT >Cheaper than T10 or T20 renewal >Fully convertible to UL or whole life up to age 71 >Death benefit options level, decreasing to 50% or decreasing to zero >Package with disability credit rider 11

12 Term to 100 >One of the few companies still offering T100 >Competitively priced in the market 12

13 Simplified Critical Illness >Answer 9 questions no >Only an MIB is done >Face amounts up to $100,000 ($75,000 for issue ages 51 to 60) >Covers 4 illnesses cancer, heart attack, stroke and coronary bypass surgery >Up to 20% cheaper than fully underwritten critical illness >Not underwritten at the time of claim 13

14 Stand alone Critical Illness for kids >Available to issue from the age of 15 days >Maximum face amount $250,000 >30 conditions covered including juvenile diabetes and congenital heart disease 14

15 RESPs >Industrial Alliance >The first insurance company registered to sell seg funds registered as RESPS > Seg Fund Guarantees >2 plans >Diploma > My Education Similar to group/foundation plans Ecoflex seg fund registered as RESP Similar to mutual fund plans 15

16 Superior Risk Tolerance Program >We offer a table reduction program >Available to age 70 >Face amount up to and including $1,000,000 of life insurance for UL and term >IA assessment up to and including +100 rating >Cases that have been shopped to reinsurance are not eligible >Automatically applied if eligible 16

17 17 VIP Program

18 Thank You Mike Amo, FLMI Director of Sales, Ontario