It’s Déjà Vu All Over Again

1. It’s Déjà Vu All Over Again Shelden Smollan Director of Wholesale and Specialty Products Spring 2014

7. Insurance Supermarket Inc. (ISI) is a Canadian National Financial Brokerage. We provide a full spectrum of personal protection and investment products to serve the needs of our clients.ISI is also dedicated to providing prospecting opportunities (FACE TO FACE) to our network of qualified agents. In pioneering a centralized marketing system we are able to connect prospects in all provinces with local agents in their area. Shared Commission Only.

8. ISI has developed trusted relationships with a comprehensive list of leading Canadian insurance providers. ISI added over 500 brokers in 2013, that sold over 9300 policies from over 39,000 appointments that were provided to them.

9. iApplication – Propietary application submission platform • Current carriers –BMO, Empire, La Capitale, Wawanesa, Industrial Alliance, SSQ, and coming Assumption, Transamerica

10. No medical No fluids No APS Simplified Issue Life Insurance

11. Wants Coverage Fast • Doesn’t Like Needles • Wants To Maintain Privacy • “White Coat Syndrome” • May Have Medical Issues • Easier to Qualify – Fewer Underwriting Requirements • Pre-Underwriting Coverage Customer Profile

12. Build Diabetes DUI / Driving record Drug or alcohol abuse Foreign Travel Depression / Anxiety MS / Parkinson Blood Pressure Cholesterol Family health history Conditions making it hard to get coverage Do you know anyone affected by one or more of these issues? Underwriting Issues Simplified issue life insurance is a solution.

13. Product features

14. Terms available : • Simplified issue – no medical exam, no blood tests • Coverageisimmediate as soon as the policyisissued. • Non-participating term insurance • Guaranteedlevel premiums • Available as an individual policy or as a rider on: • InstaTerm or InstaTerm Deferred. • Golden Protection, Golden Protection Deferred or Golden Protection Plus on the same insured (maximum of 1 rider) or on a person other than the insured under the policy.

15. Minimum coverage : $50,000 or $20 per month • Maximum coverage : $150,000 • The sum of all InstaTerm, Golden Protection, Golden Protection Deferred, Golden Protection Plus and Total Protection policies for a single insured cannot exceed $200,000. • Automatic renewal until the policy or rider anniversary nearest the insured’s 90th birthday. • Rates available for Smoker and Non-Smoker.

16. Issue age: 20 to 70 • Annualfees: $80 policy, $60 rider • Conversion to Golden Protection • Coversion privilege is available if requested: • after the first InstaTerm policy anniversary; and the insured is at least 40. • If only part of the sum insured is converted, the policyholder may keep the balance in force, if the remaining sum insured is at least $50,000. • The sum of all Golden Protection, Golden Protection Deferred, Golden Protection Plus and Total Protection coverages for a single insured cannot exceed $50,000.

17. Termsavailable : • Simplified issue – no medical exam, no blood tests • Non-participatingtermproduct • Guaranteedlevel premiums. • The death benefit is deferred for the first two years. • Available as an individual policy or as a rider on: • InstaTerm or InstaTerm Deferred if the insured is a person other than the insured under the policy. • Golden Protection, Golden Protection Deferred or Golden Protection Plus on the same insured (maximum of 1 rider) or on a person other than the insured under the policy .

18. Minimum coverage : $50,000 or $20 per month • Maximum coverage : $100,000 • The sum of all InstaTerm, Golden Protection, Golden Protection Deferred, Golden Protection Plus and Total Protection policies for a single insured cannot exceed $150,000. • Non-renewable • Non-convertible • Issue age: 20 to 70 • Annualfees: $80 policy, $60 rider

19. Deferred protection • If death is non-accidental and occurs before the 2nd anniversary of the policy, the death benefit is equal to the sum of premiums plus interest of 3%. • The death benefit is equal to the sum insured: • After the 2nd anniversary of the policy; • or if death is accidental and occurs in the first 2 years of the policy.

20. Benefits • Living Benefit • the policyholder qualifies for 50% of the sum insured, if the insured’s doctor says the insured will not survive the next 12 months must occur after the 2nd anniversary of the policy, • Transportation Benefit • $2,000 will be paid, if death occurs over 200 km away from the insured’s primary residence. • Payable only after the 2nd anniversary of the policy.

21. Accidental Fracture Plus, Child Insurance Rider, and/or Accidental Death. Other benefits available Child Insurance Rider Accidental Fracture Plus Accidental Death

22. Qualification • Questions 1 to 11 – InstaTermDeferred and InstaTerm • Questions 12 to 27 – InstaTerm All questions must beansweredNoin order to submit the application

23. Competive Premium Comparison

24. Med Questions

25. Med Questions

26. BuildChart

27. Med Questions

28. Med Questions

29. Med Questions

30. InstaTerm is Convertible. • InstaTerm is Renewable to Age 90 • InstaTerm is priced competetively !!! • InstaTerm has a built-in benefits; Transportation benefit and Living benefit • InstaTerm makes it easy, a user-friendly e-application system. Sweet spots

31. FYC is 35% T-10 FYC is 40% T-20 BONUS is paid

33. 1 - Obtain a broker code: Complete the Broker Registration Form and send to your MGA. 2 - You will receive an email from Assumption Life indicating your username, passwordas well as your broker code. Getting started with Assumption Life!

34. SHELDEN SMOLLAN 647 295 8376 shelden@isi.ca If you see someone without a smile, give them one of yours !!!

35. lia.assumption.ca

40. We pay 2x WEEK

41. PERSONALIZED MARKETING SUPPORT

42. EXCLUSIVE VIDEOLEAD GENERATING TOOL

43. OUR MAIN FOCUS Helping You Help Your Clients " It ain't over 'til it's over "

44. SHELDEN SMOLLAN 647 295 8376 shelden@isi.ca If you see someone without a smile, give them one of yours !!!