Life Insurance TABLE O F C ONTENTS GUARANTEED LIFE TERM LIFE. Exclusive Offer from Your Organization

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1 Life TABLE O F C ONTENTS Guaranteed Life At a Glance At a Glance Guaranteed Life Eligibility and Coverage Monthly Premiums (Male) Monthly Premiums (Female) Eligibility, Coverage and Benefits Monthly Premiums (Male and Female Non-Smoker) Monthly Premiums (Male and Female Smoker) GUARANTEED LIFE TERM LIFE Exclusive Offer from Your Organization

2 Choose from two exclusive plans to suit your personal needs Guaranteed Life At a Glance: Guaranteed Life provides lifelong coverage up to without the need to complete a medical questionnaire at the time enrollment. It s an affordable way for you to have peace mind, knowing that you will leave something behind for your loved ones. Members and/or their spouses aged 50 to 85 and permanently residing in Canada are eligible. Your premium will never increase. Coverage is guaranteed for life. No health questions at the time enrollment. No medical examinations to undergo at the time enrollment. Only you can cancel your coverage provided your premiums are paid. Choose your level coverage: $2,500, $5,000, $7,500, $10,000, $12,500, $15,000, $17,500, $20,000, $22,500 or. Three times the insured amount is paid for accidental death occurring before age 85. Living Benefit Apply for an interest-free cash advance up to 50% your benefit amount if you are diagnosed as terminally ill with prognosis death within 12 months (after 24 months coverage). Once you reach 100 years age, coverage continues premium-free. Benefits are paid to your beneficiary tax-free. 2 At a Glance: is an affordable way to provide for your loved ones at a time when they need it most. You can apply for up to $150,000 coverage, subject to approval by the insurer. The Living Benefit feature fers you access to cash during your time need. Members and/or their spouses aged 45 to 70 and permanently residing in Canada are eligible. Your premium is guaranteed not to increase for 10 years. Apply for coverage in amounts, $50,000, $75,000, $100,000, $125,000, or $150,000. Living Benefit Apply for an interest-free cash advance up to 50% (to a maximum $50,000) your benefit amount if you are diagnosed as terminally ill with prognosis death within 12 months (after 24 months coverage). At age 80, your coverage reduces and continues for life at 10% your selected amount, premium-free. Reduced rates for non-smokers. Easy to apply, answer only 5 simple healthrelated questions at the time application. If a medical examination is necessary, it will be paid for by the insurer. Benefits are paid to your beneficiary tax-free. Read on to help you choose which these two valuable Life plans is right for you and your family... 3

3 Guaranteed Life Your Eligibility Members and/or spouses, permanently residing in Canada, between the ages 50 and 85, are automatically eligible for Guaranteed Life coverage.there are no health questions to answer and no medical examinations to take at the time enrollment. Simply complete and return your Guaranteed Life Application. Your Coverage Choose coverage $2,500, $5,000, $7,500, $10,000, $12,500, $15,000, $17,500, $20,000, $22,500, or. In the event accidental death before age 85* and based on your benefit amount, a triple benefit $7,500, $15,000, $22,500, $30,000, $37,500, $45,000, $52,500, $60,000, $67,500 or $75,000, respectively, will be paid to your beneficiary. You can name any individual or institution as your beneficiary, and you can change this at any time subject to applicable laws. Your coverage is guaranteed for life. Beginning at age 100, your coverage will continue premium-free. Once you have been covered for 24 months and should you be diagnosed as terminally ill with a life expectancy 12 months or less, you can apply for a Living Benefit.This Living Benefit is an interest-free advance up to 50% your Guaranteed Life benefit.the money is paid directly to you, to spend as you wish. Once you receive a Living Benefit, the amount will be deducted from your life insurance with no adjustments for interest. *Within the first 24 months, if death results from non-accidental causes, benefits will be reduced. 4 Your Benefits and Limitations During your first 24 months coverage, benefits are payable as follows: Cause Death Age Benefits Payable Non-accidental Any age Refund all causes other premiums paid than suicide plus 10% annual compound interest Accidental Prior to age 85 3 times your chosen coverage amount Accidental Age 85 or older Your chosen coverage amount Suicide Any age Refund all premiums paid Following your first 24 months coverage, benefits are payable as follows: Cause Death Age Benefits Payable Non-accidental Any age Your chosen coverage amount Accidental Prior to age 85 3 times your chosen coverage amount Accidental Age 85 or older Your chosen coverage amount Your Premiums The monthly premium is based on your gender, your age on the date that your coverage begins, and the amount coverage you have chosen.there are no additional policy fees or service fees to pay. Once you are enrolled, your premium will never increase. At age 100, you will no longer have to pay premiums and your coverage under this plan will continue. 5

4 Guaranteed Life Monthly Premiums MALE Guaranteed Life Monthly Premiums FEMALE Age at Issue Age at Issue $2,500 $8.50 $11.25 $14.95 $20.25 $28.25 $39.95 $57.25 $2,500 $7.25 $8.50 $11.25 $14.95 $20.50 $28.95 $41.75 $5, $5, $7, $7, $10, $10, $12, $12, $15, $15, $17, $17, $20, $20, $22, $22, Rates are subject to change. However, once you are insured, your premium rates will not change. Rates are subject to change. However, once you are insured, your premium rates will not change. To enroll in the Guaranteed Life Plan, simply: 1. Complete the attached Guaranteed Life application. 2. Mail your application, with a cheque marked VOID, to Johnson Inc. in the enclosed postage-paid envelope. 3. Your age at issue is based on the date your completed application is received by Johnson Inc. 6 7

5 Johnson Inc., as the administrator this plan,will: 1. Process your application. 2. Mail you a letter confirming your coverage, along with your Certificate. 3. Arrange for payment your premiums on the 5th each month through automatic deduction from your chequing account. Your coverage will begin on the date your application and void cheque are received by Johnson Inc. Take advantage your status as a Member your Organization and join this exclusive Guaranteed Life plan. Apply Today Your Eligibility Members and/or spouses, permanently residing in Canada and between the ages 45 and 70, are invited to apply for this affordable Term Life coverage. Simply complete and return your Term Life Application. Coverage is subject to approval by the insurer. Your Coverage & Benefits Apply for coverage in amounts, $50,000, $75,000, $100,000, $125,000 or $150,000. You can name any individual or institution as your beneficiary, and you can change this at any time subject to applicable laws. Coverage renews automatically every 10 years, at premiums based on your age at renewal.your coverage is guaranteed renewable for life. At age 80, you will no longer pay premiums and your coverage will reduce to 10% your insured amount. Once you have been covered for 24 months and should you be diagnosed as terminally ill with a life expectancy 12 months or less, you can apply for a Living Benefit.This Living Benefit is an interest-free advance up to 50% (to a maximum $50,000) your Term Life benefit. The money is paid directly to you, to spend as you wish. Once you receive a Living Benefit, your premiums will be waived and the balance your coverage will continue. During your first two years coverage, in the event suicide, no benefit will be paid and your premiums will be refunded. Your Premiums The low monthly premium is based on your gender, your age, whether you qualify for nonsmoker or smoker rates, and the amount coverage you have chosen. Premiums are guaranteed for 10 years. There are no additional policy fees or service fees to pay. 8 9

6 Monthly Premiums for Non-Smokers MALE Applicant s Age* at Effective Date ** 79** Monthly Premiums for Smokers MALE Applicant s Age* at Effective Date ** 79** $12.10 $17.85 $26.52 $39.85 $53.08 $87.85 $ $24.15 $37.75 $58.85 $81.75 $ $ $ $50, $50, $75, $75, $100, $100, $125, $125, $150, Monthly Premiums for Non-Smokers FEMALE Applicant s Age* at Effective Date ** 79** $150, , Monthly Premiums for Smokers FEMALE Applicant s Age* at Effective Date ** 79** $7.85 $11.10 $17.56 $25.81 $33.50 $63.02 $ $15.96 $22.96 $32.85 $44.63 $55.42 $85.94 $ $50, $50, $75, $75, $100, $100, $125, $125, $150, $150, *Premiums will increase every ten years to reflect your new age category. **Renewal coverage only you may not apply after age 70. Rates are subject to change without notice. However, once you are insured, your premium rates are guaranteed for 10 years. 10 *Premiums will increase every ten years to reflect your new age category. **Renewal coverage only you may not apply after age 70. Rates are subject to change without notice. However, once you are insured, your premium rates are guaranteed for 10 years. 11

7 To enroll in the Plan, simply: 1. Complete the attached application, answering the five healthrelated questions. 2. Mail your application, with a cheque marked VOID, to Johnson Inc. in the enclosed postage-paid envelope. Johnson Inc., as the administrator this plan, will forward your application to the underwriter, Manulife Financial. If accepted, your coverage will begin on the date your application is approved by Manulife Financial. Johnson Inc., as the administrator this plan, will: 1. Mail you a letter confirming your coverage, along with your Certificate. 2.Arrange payment your premium on the 5th each month through automatic deduction from your chequing account. Take advantage your status as a Member your Organization and join this exclusive plan. Apply Today Guarantee Satisfaction When you receive your Certificate, you will have 30 days to examine it and, if you are not completely satisfied, return it to Johnson Inc. for a full refund the premium(s) you have paid. 12 YOUR P RIVACY Notice on Exchange Information. All information requested will be for insurance purposes only and will be treated as confidential. The insurer or its reinsurers may, however, make a brief report on it to the Medical Information Bureau. The Medical Information Bureau is a non-prit membership organization life insurance companies which operates an insurance information exchange on behalf its members. Subject to your authorization, the Bureau will supply information from its files to another member insurance company to which you have applied for life or health insurance or to which a claim is submitted. On your request, the Bureau will arrange for disclosure to you any information it may have in your file on you, your spouse or your children being insured under this plan. If you question the accuracy the bureau s file, you may contact the Bureau and seek a correction. The address the Bureau s information fice is: 330 University Avenue, Toronto, Ontario M5G 1R7 (Telephone ). Notice on Privacy and Confidentiality. The specific and detailed information requested on the application form is required to process the application. To protect the confidentiality this information, Manulife Financial will establish a financial services file from which this information will be used to process the application, fer and administer services and process claims. Access to this file will be restricted to those Manulife Financial employees, mandataries, administrators or agents who are responsible for the assessment risk (underwriting), marketing and administration services and the investigation claims, and to any other person you authorize or as authorized by law. Your file is secured in our fices. You may request to review the personal information it contains and make corrections by writing to: Privacy Officer, Manulife Financial, Affinity Markets, 5650 Yonge Street, 16th Floor, Toronto, Ontario M2M 4G4. 13

8 N OTES Contact Us We at Johnson Inc. would like to assure you that we are committed to fering you the very Best in Benefits. Please contact us if you have any questions. A Johnson s Service Supervisor will be pleased to assist you: Langley, BC Office: Phone: (604) Fax: (604) Toll-Free Serving residents British Columbia Edmonton, AB Office: Phone: (780) Fax: (780) Toll-Free Serving residents Alberta, Saskatchewan, Manitoba and the Territories Richmond Hill, ON Office: Phone: (905) Fax: (905) Toll-Free Serving residents all other provinces This insurance is underwritten by: The Manufacturers Life Company (Manulife Financial) 5650 Yonge Street, 17th Floor, Toronto ON M2M 4G4 14 The Manufacturers Life Company 04/04