2 accidents and illnesses are facts of life. they can happen to anyone at any time

2

Accidents And Illnesses Are Facts Of Life.

They Can Happen To Anyone At Any Time.

3

Let’s Consider The Following:

What do you think your chances are of becoming disabled for 90 days or longer at least once prior to age 65?

1 in 3

The average length of a disability which lasts over 90 days is?

2.9 years

Sources: 1985 Commissioner’s Disability Table A (Experience Table) & CIA 86-92 Aggregate Mortality Table.

4

It’s Like Your Future Is Hidden

Behind One Of Three Doors.Two of them lead to good health.

The other leads to disability.Pick the wrong door and you lose.Are you willing to play those odds?Can you afford to let that happen?

5

Of 1,000 Males Or Females, How Many Will Be Disabled For 90 Days Or More Before

Age 65?

0

50

100

150

200

250

300

350

400

450

500

25 30 35 40 45 50 55 60Age

Num

ber

of

Peo

ple

Male

Female

Sources: 1985 Commissioner’s Disability Table A (Experience Table) & CIA 86-92 Aggregate Mortality Table.

6

In A Year What Are The Odds Between Death And A

Disability That Lasts At Least 90

Days?

1111

4

6.9

9.5

12.2

0

2

4

6

8

10

12

14

Age 25 Age 35 Age 45 Age 55

Num

ber o

f Peo

ple  Death

Disability

Sources: 1985 Commissioner’s Disability Table A (Experience Table) & CIA 86-92 Aggregate Mortality Table.

7

Consider Your Future Income

5,073,767

3,624,119

2,174,471

1,449,648

3,407,719

2,434,085

1,460,451

973,634

2,040,979

1,457,842

874,705

583,137

$0

$1,000,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

$6,000,000

2,000 3,000 5,000 7,000

Current Monthly Income

Inco

me

Pot

ential

Age 25

Age 35

Age 45

Assuming a 2% raise each year, these are your potential earnings up to age 65.

8

Which Job Would You Rather

Have? JOB A

$35,000 income while you are working.

$0 if you are unable to work.

JOB B

$34,000 income while you are working.

$24,000 tax-free if you are disabled.

9

If You Became Disabled Today, Could You Afford To:

Pay your mortgage or your rent? Buy food? Pay your utilities? Make car payments? Make other loan payments?

10

What Are Your Options?

Liquidate some or all of your assets?

Use your personal savings?

Surrender your RRSPs?

Apply for a personal loan?

Depend on your spouse’s income?

Borrow money from your family and friends?

11

What Are Your Solutions?

Workers’ Compensation?

Employment Insurance?

Canada Pension Plan (CPP/QPP)?

Group Insurance or Association Plan?

Individual Disability Plan

12

Assets You Insure Today?

Your Home?

Your Vehicles?

Other Assets?

Your Ability To Earn An Income?

13

You Couldn’t Afford A Car If You Didn’t Have An Income…BUT IT’S PROTECTED!

14

You Couldn’t Make Payments On Your House If You Didn’t Have An Income…

BUT IT’S PROTECTED!

15

In Fact, You Might Have To Part With Some Of Your

Possessions If You Didn’t Have An

Income...BUT EVEN THEY ARE

PROTECTED!

16

Your Ability To Earn An Income

Is One Of Your Most Valuable Assets.Why not insure

it?

17

About Great-West A leading life and health insurer in

Canada.

With more than 60 years of experience in the disability insurance market, Great-West has established a solid reputation for providing quality products and services.

Received superior ratings on its claims paying ability or financial strength from the major rating agencies.