It’s Déjà Vu All Over Again

Shelden SmollanDirector of Wholesale and Specialty ProductsSpring 2014

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.

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.

iApplication – Propietary application submission platform

Current carriers –BMO, Empire, La Capitale, Wawanesa, Industrial Alliance, SSQ, and coming Assumption, Transamerica

Simplified Issue Life Insurance

No medicalNo fluidsNo APS

Customer Profile

Wants Coverage Fast Doesn’t Like NeedlesWants To Maintain Privacy“White Coat Syndrome”May Have Medical IssuesEasier to Qualify – Fewer Underwriting

RequirementsPre-Underwriting Coverage

Underwriting Issues

BuildDiabetesDUI / Driving recordDrug or alcohol abuseForeign Travel

Depression / AnxietyMS / ParkinsonBlood PressureCholesterolFamily health history

Conditions making it hard to get coverage

Do you know anyone affected by one or more of these issues?

Simplified issue life insurance is a solution.

Product features

Terms available :

Simplified issue – no medical exam, no blood tests

Coverage is immediate as soon as the policy is issued.

Non-participating term insurance

Guaranteed level 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.

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.

Issue age: 20 to 70 Annual fees: $80 policy, $60 riderConversion to Golden ProtectionCoversion privilege is available if requested:

after the first InstaTerm policy anniversary; andthe 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.

Terms available :

Simplified issue – no medical exam, no blood tests

Non-participating term product

Guaranteed level 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 .

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

Annual fees: $80 policy, $60 rider

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.

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.

Benefits

Other benefits available

Accidental Fracture Plus, Child Insurance Rider, and/or Accidental Death.

Child Insurance Rider

Accidental Death

Accidental Fracture Plus

Questions 1 to 11 – InstaTerm Deferred and InstaTerm

Questions 12 to 27 – InstaTerm

All questions must be answered No in order to submit the application

Qualification

Competive Premium Comparison

Plan Age SexCoverage Amount

Monthly Cost T-20

Monthly Cost T-10

InstaTerm 30 M $100,000 $24.75 $24.75

InstaTerm Deferred 30 M $100,000 $29.61 $29.61

InstaTerm 40 M $100,000 $30.15 $28.71

InstaTerm Deferred 40 M $100,000 $37.71 $37.53

InstaTerm 45 M $100,000 $39.24 $32.58

InstaTerm Deferred 45 M $100,000 $59.94 $51.03

InstaTerm 60 M $100,000 $164.16 $112.50

InstaTerm Deferred 60 M $100,000 $247.50 $195.93

Med Questions1. In the last 90 days, have you been hospitalized, in a nursing facility, bedridden or confined to

a wheelchair?2. In the past three (3) years, have you had an amputation as a result of disease?

3. In the past three (3) years have you been diagnosed, hospitalized, or treated (other than by medication) for any of the following conditions:

a. Angina, heart attack, heart failure or cardiomyopathy?b. Cancer (other than basal cell carcinoma)?c. Leukemia? d. Chronic kidney disease?e. Aneurysm?

4. In the past three (3) years, have you been prescribed a new medication or required a change in dosage in your medication for any of the following conditions: angina, heart attack, heart failure, cardiomyopathy, cancer (other than basal cell carcinoma), leukemia , chronic kidney disease?

5. In the past three (3) years, have you been diagnosed or hospitalized for:

a. Chronic respiratory condition that required the administration of oxygen?b. Liver disease (other than fatty liver)?c. Diabetic coma or insulin shock?d. Cerebrovascular accident (stroke)?

Med Questions6. In the past five (5) years have you received an organ transplant or a bone

marrow transplant or were you advised that one was required due to your condition?

7. In the past five (5) years have you been diagnosed, hospitalized, or undergone treatments (including medication) for HIV, AIDS or AIDS-related complex?

8. Have you ever been diagnosed or treated (including medication) for any of the following conditions: amyotrophic lateral sclerosis (Lou Gehrig's disease), Alzheimer’s disease or dementia?

9. Have you been diagnosed or treated for any incurable terminal illness (for which you have been advised that you have less than 12 months’ life expectancy)?

10. Are you aware of any symptoms for which you have not yet consulted a physician or received treatment, or for which you consulted a physician without having received a diagnosis?

11. Does your weight exceed the weight corresponding to your height in the following table?

Build Chart Height Weight Height Weight Height Weight

Ft/in cm lb kg Ft/in cm lb kg Ft/in cm lb kg

4’ 10’’ 147 158 72 5’ 6’’ 168 205 93 6’ 2’’ 188 256 116

4’ 11’’ 150 163 74 5’ 7’’ 170 210 95 6’ 3’’ 191 264 120

5’ 0’’ 152 169 77 5’ 8’’ 173 216 98 6’ 4’’ 193 271 123

5’ 1’’ 155 174 79 5’ 9’’ 175 224 102 6’ 5’’ 196 277 126

5’ 2’’ 157 182 83 5’ 10’’ 178 229 104 6’ 6’’ 198 285 129

5’ 3’’ 160 188 85 5’ 11’’ 180 235 107 6’ 7’’ 201 293 133

5’ 4’’ 163 193 88 6’ 0’’ 183 242 110 6’ 8’’ 203 299 136

5’ 5’’ 165 198 90 6’ 1’’ 185 250 114 6’ 9’’ 206 308 140

Med Questions12. In the past three (3) months, have you required a new medication for high blood

pressure or did you require an increase in the dosage of any medication for high blood pressure?

13. Has your weight changed by more than 18.14 kg (40 lbs) in the past year?14. In the past twelve (12) months, have you been hospitalized or did you require more

than six (6) months off work or are you currently off work for depression or any emotional, behavioral, psychological or nervous disorder.

15. In the past two (2) years, have you had an application for life insurance (other than group insurance or group mortgage insurance) rejected or postponed?

16. In the past three (3) years have you required hospitalization for: transient ischemic attack (TIA or mini-stroke), chest pain, arrhythmia or diabetes?

17. In the past five (5) years, have you been diagnosed or started treatment for: convulsions, epilepsy, multiple sclerosis, degenerative disease or heart disease?

18. In the past five (5) years have you been diagnosed, hospitalized, or treated (other than by medication) for any of the following conditions:a. Angina, heart attack, heart failure, or cardiomyopathy?b. Cancer (other than basal cell carcinoma)?c. Leukemia?d. Chronic kidney disease?e. Aneurysm?

Med Questions19. In the past five (5) years, have you been prescribed a new medication or

required a change in dosage in your medication for any of the following conditions: angina, heart attack, heart failure, cardiomyopathy, cancer (other than basal cell carcinoma), leukemia, chronic kidney disease?

20. In the past five (5) years, have you been diagnosed or hospitalized for:a. Liver disease other than fatty liver?b. Cerebrovascular accident (stroke)?

21. In the past five (5) years, have you required the administration of oxygen for any chronic respiratory condition?

22. In the past five (5) years have you used any drugs except as prescribed by a physician and other than marijuana?

23. In the past five (5) years, due to alcohol abuse, have you been advised by a health professional to reduce your consumption of alcohol or have you received advice or treatment for alcohol abuse?

24. Are you currently or do you intend to engage in any hazardous sports or activities or make aerial flights other than as a passenger or a commercial pilot?

Med Questions25. Have you any intention of travelling outside North America, the Caribbean or

Western Europe for more than six weeks or more than twice per year?

26. Do you have two (2) or more biological family members (father, mother, brother, sister), living or deceased, who were diagnosed before age 60 with the same condition among the following: diabetes, cancer, stroke, heart trouble, mental disorder that necessitated hospitalization or who committed suicide?

27. Do you have a biological family member (father, mother, brother, sister), living or deceased, who was diagnosed before age 60 with any of the following conditions: Huntington’s disease, polycystic kidney disease or any hereditary disease other than those listed in question 26?

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

FYC is 35% T-10FYC is 40% T-20

BONUS is paid

Contest runs from April 15 to May 31, 2014

Rules

You have only sold Assumption Life’s Golden Protection? Give any other Assumption Life product (InstaTerm, InstaTerm Deferred, FlexOptions, FlexTerm, ParPlus, ParPlus Junior, Youth Plus & Total Protection) a try for the first time and get a $50 Visa card and $25 Visa card for each additional submitted application*.

(Max. of 4 applications)

*All applications must be placed by June 15, 2014

Heather McIntyre at 1-416-649-3503 or heather_mcintyre@i-s-i.ca

For more information contact:

Give it a go Assumption Life’s

Contest

Give Assumption Life a try for the first time and get a $50 Visa card and $25 Visa card for each additional submitted application*. (Max. of 4 applications)

Open to all brokers submitting business through ISI.

Getting started with Assumption Life!

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, password as well as your broker code.

SHELDEN SMOLLAN647 295 8376shelden@isi.ca

If you see someone without a smile, give them one of yours !!!

lia.assumption.ca

We pay 2x WEEK

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EXCLUSIVE VIDEO LEAD GENERATING TOOL

OUR MAIN FOCUS

Helping You Help Your Clients

" It ain't over 'til it's over "

SHELDEN SMOLLAN647 295 8376shelden@isi.ca

If you see someone without a smile, give them one of yours !!!