iA Financial Group’s new innovations in life insurance

1. iA Financial Group’s new innovations in life insurance Available starting July 15th 2019

2. July 15, 2019 Launch New features Instant acceptance at the point of sale up to $1 million 3 1 2 Access Life now one of the most comprehensive and competitive product on the market Reduction in Term life insurance premiums

3. 1 Instant acceptance at the point of sale up to $1M

4. Instant acceptance up to $1M Clients aged 18 to 50 can now apply for up to $1M in life insurance without systematically having to undergo a medical exam. Most will also benefit from instant acceptance at the point of sale. It’s never been faster or easier to do business with us! Together, you and your client simply complete the declaration of insurability In slideshow mode, click the image to access the video

5. Instant acceptance up to $1M Clients only have to complete the declaration of insurability without systematically having to undergo: Instant acceptance at the point of sale for most clients Client aged from 18 to 50 years old Life insurance face amount: up to $1 Million Disability credit rider, Supplementary income, WPDis, CAD/CID:up to $2000 /month Blood profile Vital Signs Paramedical exam

6. New requirements grid F13-166A Document You can orderyour copy now

7. New requirements grid • There are 7 bands in the new grid: • The $500,000 to $2,000,000 band has been divided in two: • A new band from $1,000,001 to $2,000,000 that keeps the same requirements • A new band from $500,000 to $1,000,000: no medical exam is systematically required, the declaration of insurability is now mandatory for age groups 0-14 years and for 15 to 50 years • New for 18-50 years old • Life insurance Face amount of $500,000 to $1M: • There is no systematic requirement for term or permanent life insurance up to $1 million. Consequently, preferred classes will only be available for amounts over one million dollars.You just need to complete the declaration of insurability with your client. • Disability Credit Rider, Supplementary Income, WPDis and CID/CAD - Up to $2,000/month: • Requirements are not systematically required if the total disability benefits applied for (including the waiver of premiums) do not exceed $2,000/month. A telephone interview is required for benefits above this amount.

8. Predictive analytics

9. What is predictive analytics? Predictive analytics uses data and statistical techniques to identify the likelihood of certain events or risks. Thanks to predictive analysis, iA Financial Group is able to limit paramedical examinations and fluid tests. A majority of clients can therefore benefit from a simplified and non-intrusive process.

10. Underwriting process For face amounts between $500,000 and $1M for clients aged 18 to 50 Current process 100% ±30% Advisor must be connected to the company Declaration of insurability New process Few seconds ±70%

11. Changes to EVO

12. Tobacco usageModified questions Question of the declaration of insurability in the application Question in the illustration Before Before Now Now

13. MedicalrequirementsEVO application – Requirementsstep - Option to log in For amountsbetween $500,000 and $1M for clients aged 18 to 50: To confirm if medical requirements are needed, you have the option to log in at the Requirementsstep Otherwise at the Validation step (where log in is mandatory) you will need to return to the Requirements step to confirm whether requirements should be ordered.

14. Advisor identificationEVO application – Relocation of the advisor identification step The Advisor(s) step has been moved to the beginning of the proposal To later add the name of an advisor with whom you wish to share a sale, simply go back to the Advisor(s) step and make the modification before submitting your application.

15. 2 Reduction in term life insurance premiums

16. Reduction in term life insurance premiumsOverview T20 (R&C) Pick-A-Term Average decreasing: 3% T10 (R&C) Pick-A-Term Average decrease: 5% T25 Pick-A-Term Average decreasing: 3% T11 to T19: 5% T21 to T24: 3% T31 to T35: 3% Pick-A-Term T30 Pick-A-Term Average decrease: 3%

17. Reduction in term life insurance premiumsWhy choose iA Financial Group term life insurance? Acceptance at the point of sale up to $1M for most clients

18. iAMortgageinsuranceEasy to apply for… and veryaffordable! Need Mortgage – $600,000 (25-year term) Ensure mortgage payment in the event of disability – $2,000/month Options Pick-A-Term T25 – $600,000 level Disability Credit Rider (own occupation 2 years) – $2,000/month Comparisonwith 3 major Canadian banks: A B C iA $113.00 $117.18 $113.80 $90.18* Jeff and Sophie justbought a new house Non-smoker, male, 35 yearsold* As of July 15, 2019

19. iA Mortgage insuranceA ton of benefits… as well as savings! Instant acceptance up to $1M No systematic medical exam or blood test required Level protection compared to decreasing protection with the lending institution The freedom to designate a beneficiary Jeff and Sophie justbought a new house

20. 3 Access Life Productnow one of the most comprehensive and competitive on the market

21. Access Life : more comprehensive and competitive L100 and/or T15, T20, T25 New L100 and/or T15, T20, T25 L100 L100 Conversion rightTerm products + 4 questions + 4 questions 5 questions Guaranteed access Deferred Deferred Plus ImmediatePlus Maximum coverage Guaranteed premiums with surrender values $500,000 $100,000 $50,000 $350,000 Conversion into an Access Life L100 before age 71 Harmonization with iA Excellence The same improvements were made at iA Excellence. You can therefore sell Access Life via Assure&go or EVO, depending on your preference.

22. Access Life – a wide range of clients Sales concepts for diversified client profiles Juan & Viviana Newcomers Julia 4 years old Asthmatic Covers all needs at a competitive price Frank & Ashley Millennials Looking for simplicity Guaranteed acceptance within minutes Brenda & Adam Guaranteed acceptance without medical exam Bequests to children

23. Access LifeThe perfect mortgage insurance for newcomers! ACCESS LIFE the product that offers more to newcomers Guaranteed acceptance withoutmedical exam Ideal mortgage protection with 25-year term protection Insured Face amount up to $500,000 at the Immediate Plus stage

24. Access LifeOur product vs CPP STRENGHS Challenges • Better option for immigrants: no restrictions at iA • Higher surrender value • Premium holiday available with automatic advance of premiums • Reduced Paid-up insurance offered • Largest Face Amount limit: Deferred step: $100,000 versus $75,000 for the CPP equivalent • Only insurer to offer coverage for children with specific health problems Not available at iA: • Decreasing Term 25 • T10 • Free first monthly premium • 50% of the Face amount is paid if the death is not accidental and occurs during the 2nd year • L20

25. Access LifeOur premiums vs CPP Premium comparison as of February 2019

26. Your sales help ecosystem • Promotional video to share • Instant acceptance at the point of sale up to $1M • An unrivalled experience for our advisors and clients • Facebook & LinkedIn – Target campaign • Promote instant acceptance at the point of sale up to $1M New marketing document – FAQ on predictive analytics • To learn more about the use of predictive analytics in our underwriting process

27. Your sales help ecosystem • Facebook & LinkedIn – Target campaign • Access Life – The perfect mortgage insurance solution for newcomers with a maximum coverage of $500,000 • Opportunities – In force contracts • Identification of clients limited by the former maximum face amount in Access Life • Offer of increased face amount, customized for each client • An opportunity for sales, but above all, to meet your clients' needs