Options Additional Benefits Included The following riders may be added onto certain policies. In addition to the non-medical life coverage you are purchasing through Protection Plan, you1 may be eligible for some additional benefits. Details Accidental Death Benefit and criteria will be provided along with your insurance Increases the amount of coverage by 1, 3 or 5 times the face value of contract2. These include: your insurance policy to a maximum of $250,000 in the event of your 1) Competitive Scholarships accidental death. You may apply for this benefit if you are from age 25 to 65. The rider expires at age 70. There are up to 350 renewable scholarships awarded to candidates who not only have good grades but share a commitment to community service and volunteerism. Child Term Rider You may purchase $5,000 of insurance per child at a flat rate of either In Canada you may be eligible for scholarships of up to $17.00 or $20.00. The parent must be from 20 years to 60 years of age $8,000 to high school seniors and mature students. Five at the time of issue. The coverage expires on the child’s 21st birthday Ken Peterson Awards for Community Service are also or 25th birthday if the child is a full-time student. The child must be granted annually, offering up to $11,000. between 30 days old and less than 18 years old at the time of issue. 2) Terminal Illness Loans You may be eligible to receive an interest-free loan if you Hospital Cash Rider become terminally ill. The total loan can be up to 75% You may purchase this as additional coverage (excluding Term 10 and of the face value of your Unity Life or ForestersTM life Deferred coverage) to a policy or as a separate policy. This insures you insurance with a maximum loan amount of $250,0002. in the event of your hospitalization if you are confined for more than 24 hours for a Daily Benefit of $25.00, $50.00 or $100.00. You must be 25 3) Special Financial Returns to 65 years of age at the time of issue. The coverage expires at age 70. In recent years, additional benefits were provided to long-standing Foresters members by increasing the value of their certificates, or forgiving any remaining premiums. Joint First-to-Die Option From 2007 to 2009, Foresters distributed $45 million of This option is available only if both you and your spouse qualify for value back to their members3. Simplified Term or Simplified Term Plus insurance. It provides coverage to both of you and is paid out when the first spouse dies. 4) Orphans Benefits and the Critical Illness Benefit » T10 and T20 — sum of the two lives individual premiums plus one (available to most members) policy fee Orphans Benefits: » T100 — Equivalent Single Age calculation Provides eligible children of a deceased member with a renewable scholarship for higher learning of up to $6,000 for up to four years. There is also a monthly payment for orphans which pays $300/month/child to the legal Canada Protection Plan is dedicated to providing guardian for children under 18 upon the death of both compassionate, easy to understand quality parents. service for you and your loved ones. Critical Illness Benefit: Talk with your advisor today to find You may be eligible for the critical illness benefit, which provides a grant of up to $4,000 to help with expenses out how Canada Protection Plan can when you’re diagnosed with certain critical illnesses. This help you get the insurance you need! money can be used to help ease your family’s financial hardship or cover unexpected costs, like medical expenses.

1 “You” and “your” assumes that the insured or annuitant is the insurance contract owner. 2 Available as member benefits to Foresters members, including insureds under an eligible product purchased through Canada Protection Plan and issued by either Unity Life of Canada, a Foresters Company, or by Foresters. Member benefits are non-contractual, Worried about the future? subject to eligibility requirements and limitations and may be changed or cancelled at any time. For details, visit www.foresters.com. 3 Only available in future years if declared by Foresters. Foresters™ is a trademark of The Independent Order of Foresters, a fraternal , 789 Don Mills Road, Toronto, Canada M3C 1T9. Having trouble getting life insurance? 406419 CAN (10/09) Don’t want to take a medical test?

Canada Protection Plan 250 Ferrand Drive, Suite 1100, Toronto ON, M3C 3G8 Apply for non-medical life insurance! 1-877-447-6060 • Email: [email protected] www.cpp.ca

CPP-CL-E-NM002-Dec9 It’s not always easy to think Who is Canada Protection Plan? Non-Medical Term Insurance Non-Medical Permanent Life Insurance ahead to difficult times, but Canada Protection Plan is the leading supplier of non-medical life insurance in Canada. Term insurance is temporary insurance that allows you to Permanent life insurance does not expire as long as premiums We offer insurance plans that are among the most secure in Canada. As a 100% purchase only for the number of years you wish to be protected. are paid, therefore you can be sure your loved ones will be cared having life insurance can give There are three types of policies available all available as a for when you die. There are four plans available: Acceptance Life; independently owned Canadian company, we design insurance products to meet the you comfort in knowing that 10, 20 or 100 year term: Deferred Term; Simplified Term; and Deferred Life; Simplified Life; and Simplified Life Plus. Qualifying needs of Canadians. We recognize that some people have more health challenges Simplified Term Plus. Qualifying for Simplified Term Plus means for Simplified Life Plus means you can have a higher death when you die, loved ones need than others but still need life insurance. you may have lower premiums. benefit amount which will last the rest of your life, as long as the not worry about finances. premiums are paid. We offer a wide range of life insurance plans that are easy to understand and easy to » CPP’s Simplified Term and Simplified Term Plus policies give you apply for. Our customer service representatives are friendly and compassionate. the option to automatically renew as long as premiums are paid. » Permanent Life usually costs more than Term insurance. To renew a Deferred Term policy, you must reapply to qualify. Plus, choosing a Canada Protection Plan policy could save you 30% or more on your » Premiums will never change or increase. » Amount and duration of insurance selected often corresponds premiums compared to other similar products. » CPP’s permanent life products are available as a Life Pay or with the length of a mortgage period, short term loan or the term 20 Pay policy. If you select Life Pay, you pay level premiums period for which you think your family will need extra protection. throughout the rest of your life. If you select 20 Pay, you pay the Why consider insurance? For example, the number of years your children will be living total premium owing by the 20th year of the policy. with you or be dependent upon you. You can ensure that your loved ones will be protected through tough economic » Acceptance Life – if you are between 40 and 80 years of age » Deferred Term – you may be eligible for deferred insurance if times in the event of your death. Insurance can help cover practical costs so that and have been declined for life insurance, you may be eligible. you have been declined for life insurance within the last two You answer only two simple questions to qualify. Coverage your loved ones aren’t left with a financial burden or can simply provide a financial years and have some medical concerns. There are a few simple benefit to help after you are gone. begins after the first two years from the time your policy is questions that you must answer to qualify. issued, and your premium is returned with simple 3% interest if Advantages: » Terminal Illness Benefit included with Term 100 policies – 50% you die within two years following the issue of your policy. of the amount insured to a maximum of $50,000 upon diagnosis » » Tax-free benefit » Pay off debts » Funeral expenses Deferred Life – if you have been declined for life insurance in of a terminal illness (after 2 years from issue date for deferred the past two years, you may qualify for Deferred Life permanent » Estate costs » Living expenses policies). insurance. Coverage begins after the first two years from the » Transportation Benefit included with Term 100 policies – we time the policy was issued. If you die within the first two years, What is non-medical life insurance? will pay the cost to transport the insured’s body back to their your premium is returned with simple 3% interest but the death principal residence if death occurs over 200 km away not benefit is not paid. Canada Protection Plan offers the broadest choice and highest coverage amounts in exceeding $2 per km to a maximum of $2,000 CDN. » Terminal Illness Benefit included with life policies – 25% of the Canada for non-medical life insurance. Non-medical life insurance does not require amount insured upon diagnosis of a terminal illness (after 2 years medical testing, doctors’ reports or medical reports before your application is DEFERRED TERM from the issue date for deferred policies) approved — all you have to do is answer a few questions to qualify. TERM 10 TERM 20 TERM 100 » Transportation Benefit included with life policies – we will pay the cost to transport the insured’s body back to their principal » Coverage begins » Coverage begins » Coverage begins after Who should consider this type of insurance? after 2 years after 2 years 2 years residence if death occurs over 200 km away not exceeding $2 per km to a maximum of $2,000 CDN. » Anyone who has been declined for insurance requiring medical tests » Age 20-70 » Age 20-70 » Age 20-70 ACCEPTANCE LIFE* » Anyone who has poor medical history and would likely not qualify » $50,000-$100,000 » $50,000-$100,000 » $25,000-$100,000 » » for traditional insurance » Non-Renewable » Non-Renewable » Terminal Illness Benefit Coverage begins after 2 years Terminal Illness Benefit » » » Transportation Benefit Age 40-80 Transportation Benefit » Anyone with average to good medical history » $5,000-$50,000 » Non-smokers and smokers SIMPLIFIED TERM DEFERRED LIFE » Those who do not want to go through medical testing or TERM 10 TERM 20 TERM 100 » Coverage begins after 2 years » Terminal Illness Benefit » Age 25-80 » Transportation Benefit are uncomfortable with needles » Age 20-70 » Age 20-70 » Age 20-70 » $1,000-$50,000 » Anyone wanting fast and immediate coverage » Renewable to » $50,000-$150,000 » $25,000-$150,000 SIMPLIFIED LIFE age 80 » Renewable to » Level for Life » Age 25-80 » Terminal Illness Benefit Which type of non-medical insurance do I need? age 90 » Terminal Illness Benefit » $1,000-$50,000 » Transportation Benefit » Transportation Benefit We offer a range of non-medical life insurance products to meet different needs. SIMPLIFIED LIFE PLUS Whether it is Term insurance to cover a certain period of time or Permanent insurance SIMPLIFIED TERM PLUS » Age 25-80 » Terminal Illness Benefit that lasts for life, there is something for you. TERM 10 TERM 20 TERM 100 » $50,001-$75,000 » Transportation Benefit Deferred insurance may be for you if you have been declined in the past two years and » Age 20-70 » Age 20-70 » Age 20-70 * Coverage for Acceptance Life is based on the following tiers: 40-70 years of age = $50,000, you do not have any of the conditions in the first part of the application (Section A). 71-75 years of age = $40,000, and 76-80 years of age = $30,000. » $50,000-$150,000 » $50,000-$150,000 » $25,000-$150,000 It is available as Term and Permanent insurance. Combined Coverage » Renewable to » Renewable to » Level for Life age 80 age 90 » Terminal Illness Benefit You may qualify for combined coverage which would give you a higher amount of insurance. Combine a Simplified Life and » Transportation Benefit Simplified Term policy for a greater total of insurance protection. Deferred policies may also be combined. Example $50,000 Canada Protection Plan Life Simplified $150,000 Canada Protection Plan Term products: Total: $200,000 coverage Example $75,000 Canada Protection Plan Life Simplified PLUS $150,000 Canada Protection Plan Term products: Total: $225,000 coverage