toronto's insurance solution

Name, DESIGNATIONTitle, Company NameDate

The need for

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What if your paycheque was interrupted by

• Illness• Illness• Injury• Injury• Death?• Death?

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Who will cover the mortgage?

Other bills

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Worried?

You’re not alone

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Because for young, middle-income Canadians …

• The risks are real

• The financial impact can be serious

Here’s what the research reveals

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Manulife spoke to young, middle-income Canadians

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Who are they?1

• Age 30 to 5030 to 50

• Homeowners

• Annual household income

$50,000 to $150,000$50,000 to $150,000

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They’re in debt1

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have a mortgagehave a mortgage

have $100,000 to $500,000 have $100,000 to $500,000 in personal debt, including in personal debt, including their mortgagetheir mortgage

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Are they worried about illness or injury?

1

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Given their current insurance coverage, surveyed Canadians said they were very or somewhat concerned about …

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Being diagnosed with a serious disease requiring treatment or a recovery period

68%68% 67%67%Suffering a serious injury and unable to work for an extended period

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•Many Canadians live paycheque to paycheque 2

• Are they worried about their income?

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A delay in pay for as little as one week would cause financial difficulty for

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If a major, unexpected event occurred, how would they cover expenses?

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For many, it’sinsuranceinsurance

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Some simply

don’t knowdon’t know

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Relying on:Insurance coveragePersonal savingsRetirement savingsHelp from familyBorrow moneyDon’t know

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If most are depending on insurance to cover financial gaps due to disability, illness or death …

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Do they have the right coverage?

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Is the risk real?

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Disability for 90 days or more before age 65?

3

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Duration of long term absence from work due to illness or disability?

4

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Risk of critical illness, disability or death?

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Likelihood for a 30 year old non-smoker of one of one of the following the following happening before age 65

5

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Likelihood for a 30 year old non-smoker of at least at least one one of critical illness, disability, death

5

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Likelihood for a 30 year old couple of at least one couple of at least one person person becoming critically ill, disabled or dying before age 65

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That’s why Manulife created

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• uniqueunique

• simplesimple• money-saving money-saving

insurance solutioninsurance solution

Manulife saw a need to provide young, middle-income Canadians with a

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innovativeinnovativeSynergy is

SynergySynergyintegrates life, critical illness and disability insurance within a single product package

LifeInsurance Policy

DisabilityInsurance Policy

Critical Illness

Insurance Policy

• 1 application

• 1 plan to manage

• 1 amount to pay

Protecting your income may be one of the best investments you make

Synergy can help

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manulifesynergy.ca

1 The Manulife Financial survey was conducted with 1,000 Canadian homeowners between the ages of 30 to 50 with household income of $50,000 to $150,000 per annum. It was conducted online by Research House from March 7 – 15, 2011.

 2 2011 National Payroll Week Employee Survey, Canadian Payroll Association, prepared by Framework Partners Inc., July, 2011.

 3 A guide to disability insurance, Canadian Life and Health Insurance Association Inc., August 2009.

 4 Marshall, Katherine, On Sick Leave, from Perspective on Labour and Income, Statistics Canada 2006.

 5 The risk information is for illustrative purposes only, intended to show the relative risk of at least one person out of a group of two persons, consisting of one male and one female life, dying, becoming critically ill or disabled before age 65. The underlying individual probabilities are consistent with the Synergy risk calculator. The combined probabilities assume independence of death, disability and critical illness events between the two lives, which may not reflect the true correlation of these events for a given set of lives.

The percentages shown are based on a mixture of incidence rates from studies of both the insured and general population, which do not necessarily represent the same critical illness covered conditions or definitions of disability and critical illness conditions as contained in the Synergy disability policy and the Synergy critical illness policy and are not necessarily representative for any given insured person. Factors that may contribute to an individual's risk of critical illness, disability or death include family history, lifestyle and environment.

Data is current as of March 2012. Percentages have been rounded.

Data sources:

Mortality probability based on the Canadian Institute of Actuaries’ CIA9704 gender and smoker distinct mortality tables. Disability probability based on the 1985 Commissioner’s Individual Disability Table A gender distinct incidence tables for Occupation Class 2A, 90 day waiting period. Critical illness probability based on combined incidence rates for Cancer (“New cases for ICD-03 primary sites of cancer: 2002-2007”) and the Heart and Stroke Foundation of Canada (“The Growing Burden of Heart Disease and Stroke in Canada, 2003”). The probability of dying, becoming critically ill or disabled before age 65 was determined by projecting claims experience to age 65 using these incidence rates and determining the probability of at least one event occurring. The probability of at least one event occurring is less than the sum of the

probabilities for all three events, as individuals may incur multiple events.

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Thank you