Insure the financial future of your loved ones, and your financial independence, when you need it the most! LIFE INSURANCE WITH LONG-TERM CARE ADVANCE

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1 LIFE INSURANCE WITH LONG-TERM CARE ADVANCE Isure the fiacial future of your loved oes, ad your fiacial idepedece, whe you eed it the most! Desjardis Isurace refers to Desjardis Fiacial Security Life Assurace Compay.

2 FOR TODAY AND TOMORROW PERMANENT LIFE INSURANCE There are may good reasos why families protect their fiacial future with permaet life isurace. Provide peace of mid to loved oes throughout their lives Build a legacy for future geeratios Cover fial expeses ad taxes Create wealth quickly vs. savig gradually over time Ad, i case of premature death, it could also replace the icome your family was coutig o. BECAUSE YOU CARE FOR EACH OTHER AND YOUR LOVED ONES Life is full of twists ad turs, ad surprises. It ever hurts to be prepared for whatever s aroud the ext corer. While a car has seatbelts ad moder air bags ad safety systems, Desjardis Isurace offers iovative Lifestyle protectio for your jourey o the road ahead, called Life. Permaet protectio from Desjardis Isurace has everythig covered, because it offers somethig exclusive... a beefit you ca use durig your lifetime called Log-term Care Advace. It provides tax-free cash every moth whe you eed for daily care because of: age illess or a accidet No mater what happes, Life with Log-term Care Advace provides fuds whe you eed it the most, to cover care ad expeses. 2

3 NEW TYPE OF LIFE INSURANCE BECAUSE BENEFITS ARE PAYABLE DURING YOUR LIFETIME If you are 65 or older ad require care o a daily basis, you will receive a tax-free advace of 1% of your life isurace for up to 100 moths (maximum of $2,500 per moth) subject to a 3-moth waitig period. This advace is iterest-free. Ad as log as you receive the beefit, you do ot have to pay the premiums related to your isurace. Thik about it! The total of your advace could add to 100% of your iitial life isurace amout, tax-free! Life with Log-term Care Advace is ecoomical, tax efficiet ad uique o the market. At death, the balace of your isurace is paid to your beeficiaries with a miimum of 25% of your iitial life isurace amout. This meas that your isurace could pay 125% of your iitial life isurace amout! Whe do you eed daily care? You eed daily care whe you ca o loger perform the tasks of daily livig such as bathig, dressig, toiletig, etc. It could also be ecessary whe you eed supervisio because of a illess like Alzheimer. For complete isurace details, please refer to the policy cotrat. Did you kow? We are all affected: Log-term care is ot icluded uder the Caada Health Act ad therefore ot available to Caadias o a uiversal basis. Have you ever asked yourself how you would pay for log-term care if you really eeded it? 74% of Caadias admit they have o fiacial pla to pay for log-term care if they eed it. More tha a third of Caadias over the age of 45 give care to a elderly perso with a health problem 80% of the care to the elderly is provided by atural caregivers like spouses, childre ad frieds. This care have a price: More tha a third of caregivers assume some additioal expeses (e.g. to trasport elderly to medical appoitmets) 22% of caregivers have to miss work for a period of at least oe moth 22% of caregivers have to reduce their workig hours, take early retiremet or quit their job 41% of caregivers have to draw o their savigs to survive Source: Leger Marketig Poll o the behalf of CLHIA, Jue Sources: Statistics Caada, Iformal caregivig for seiors, September Caadia Istitute for Health Iformatio, Supportig iformal Caregivers The Heart of Home Care, August Statistics Caada, Geeral Social Survey, Caregivig ad Care Receivig

4 CANADA HAD 0 cetearia i cetearias i ,825 cetearias i ,700 cetearias is forecast for 2056 ad 78,300 for Accordig to iteratioal researchers, half of the babies who will be bor this year have a chace of livig to celebrate their 100th birthday. Sources: Statistics Caada, 2006, 2009, 2010 ad Do you kow how log you will live... i health? MEN WOMEN IT S ALL ABOUT YOU AND THEM You may have see your parets deal with the challeges of illess. Have you wodered, if it will happe to you? Have you thought about how you would be cared for? You do t wat to be a fiacial burde o others You do t wat your situatio to be a strai o your family You wat to have extra icome to cover uforesee expeses A advace that ca make all the differece Life expectacy * Health-adjusted life expectacy Number of years with a chroic disease 6 8 * At age 45. If you are 45 or older, you ca expect to live beyod age 81. However, your quality of life could declie sigificatly, particularly durig the last 6 to 8 years of your life due to chroic disease. I this cotext, you eed to pla for this period of life where you might be fragile ad whe you might eed care o a daily basis... This advace gives you access to tax-free fuds that could eable you to choose where you wat to receive care: a private-care facility, a govermet subsidized facility, or i your ow home. If you ca choose to remai at home, you could reimburse a family member who provides care or get the services from a home care agecy. I fact, you use this advace as you see fit (o receipt required). 4

5 MORE THAN FINANCIAL SERVICES Life with Log-term Care Advace lets you beefit from 24/7 access to advice ad assistace services, at o additioal cost. As soo as your cotract is issued, you ca beefit from telephoe advice from our urses, lawyers ad experts i services for your home. You ca get aswers to questios such as: I started takig a ew drug this morig ad I ow do ot feel very well. Ca you tell me if this is a ormal side effect? I am leavig for a trip to the South, will I require ay vacciatios? I eed to establish a power of attorey; ca you give me some advice? My roof is leakig, could you refer a trustworthy service compay i my area to fix it? Your questios will be aswered easily ad quickly! Ad if oe day you eed care o a daily basis, you ca get these additioal services: A service of psychological cosultatio by phoe Evaluatio of your eeds, ad coordiatio of the services ad care at your home or help i the research of a facility care Whether you eed help for meal preparatio, housekeepig, home care or simply a break for your spouse who takes care of you. It will make a big differece i improvig your quality of life. LIFE INSURANCE WITH LONG-TERM CARE ADVANCE... If you eed care o a daily basis: Protect your fiacial idepedece Avoid depedig o your loved oes Get the quality care you deserve Preserve your digity Ad, if you remai free of chroic illess: You ll leave a larger estate to your loved oes It allows you to leave somethig behid for your loved oes ad have the fuds for daily care. Life Isurace with Log-term Care Advace ca make all the differece. 5

6 A SOLID VOUS YOU ARE ÊTES THE FOUNDATION L ARTISAN ARCHITECT DE FOR YOUR VOTRE OF YOUR VIELIFE FINANCIAL SECURITY ABOUT DESJARDINS INSURANCE Desjardis Isurace is a subsidiary of Desjardis Group, the sixth largest fiacial istitutio i Caada. Desjardis Isurace raks fifth amog life ad health isurers i Caada ad first i Quebec. Desjardis Isurace provides life isurace, health isurace ad retiremet savigs products to its employees, cliets ad parters. The compay employs early 4,100 people i offices across the coutry, icludig Vacouver, Calgary, Wiipeg, Toroto, Ottawa, Motreal, Quebec, Lévis, Halifax ad St. Joh s. YOUR REPRESENTATIVE desjardislifeisurace.com 13147E (15-12) Desjardis Isurace refers to Desjardis Fiacial Security Life Assurace Compay. This documet is prited o Rollad Eviro paper. 100%