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NATIONAL BEST August 2012

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The whole world is not your market

Even if everybody can use your product

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Understand the products or services

Critical Illness

Disability

Life Long Term care

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Refine your natural market

High end

Family

Small business Singles

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Zero in on your natural market

Gen I Gen Y

Gen X Boomers

Greatest

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Identify your Natural Market through Generation marketing

Gen I Gen Y15 to 35

Gen X 35 to 50

Boomers 50 to 65

Great70 to 80

Entirely born in the

Internet

Responds to Internet

brand loyal

Entering peak

earning years

Youthful play it up

in marketing

Think IGWT

concept

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Generation marketing

Where is your natural market?

Gen ITeens

Gen Y15 to 35

Gen X35 to 50

Boomers50 to 65

Great 70 to 80

Gen I Teens

Gen Y 15 to 35

Boomers 50 to 65

Gen X 35 to 50

Great70 to 80

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With this in mind, let’s look at niche concepts that fit your natural market

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Door opening concepts

Students and parents

Small business

Age 40 to 60/RRSP

Grandparents

Working moms

Boomers

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SSQ FINANCIAL GROUP

Who we are…What we do…What we offer…

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SSQ Financial Group• One of Canada’s leading financial institutions

– Over one million clients – Over 1,900 employees – Over $10 billion in assets under management – Nearly $3 billion in annual revenue

• SSQ Financial Group offers products and services in 5 sectors of activity:– Group Insurance– Individual Insurance – Investment and Retirement (Astra Seg Funds & GMWB)– Property and Casualty Insurance– Realty management, promotion and development

What we offer:• Term Insurance

– T10, T10 Indexation, T20, T70

• Loan Insurance • Critical Illness Insurance• Whole Life

– WL 20, WL 100, Term 100

• Universal Life• 60 Astra Segregated Funds• Astra Guaranteed Income 2.1 (GMWB)• GIA’s and Annuity

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LOAN INSURANCE

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LOAN INSURANCE - Made to measure

Life

Disability rider

Critical Illness rider

Waiver of premium

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Behind the scenes

Values

Product

Marketing

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Life insurance – highlights

No proof of loan

Level or decreasing death benefit

Terms 10, 15, 20, 25, 30, 35

Joint first-to-die (2 to 5)Multi-life

Extreme Disability Benefit

Guaranteed insurability in case of separation

Guaranteed insurability up to 25% of initial sum insured max $100,000

Guaranteed insurability on 1st death

Conversion privilege

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Disability rider – highlights

Benefit periods: 24 or 60 months

Elimination period:90 days

Indemnity = 1.5% of DB up to $3,500

Guaranteed insurability: 25% without proof

Assistance benefit

EP 31 days retro

Waiver of premium

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Critical illness rider – highlights

Cancer, heart attack, stroke

Assistance Benefit

Coverage up to age 85

Life underwriting not affected by purchase of CI rider

Eligibility: 18 to 60

$20,000 benefit amount

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M 38, n/s, $142k, 25yr Decreasing Term, DI 5 yr, CI

Term 25 years at

4.5%

Mortgage $142,000

Male 38 NS

Monthly payment

$786$20.93 (DT 25)

$21.86 (DI 5 Yrs)

$10.14 (CI)+

+

$52.93

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Critical Illness Insurance

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Critical illness insurancePlans Base – 3 illnesses

Enhanced – 25 illnesses Child – 28 illnesses

Policy types Individual, Multi-life

Issue ages T10, T75, T100: 18-65 T20: 18-55 T100-20 pay: 18-50 Child - T75, T100, T100-20 pay: 30 days-17

Rate bands $25,000 - $99,999 $100,000 - $249,999 $250,000 - $2,000,000

Additional benefit 4 conditions 10% up to $50,000

Assistance benefit Second medical opinion, medical referral, psychological assistance, legal assistance etc.

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Critical illness insurance

• Riders– Refund of premiums

• ROP upon death = 100% (all plans)• ROP at expiry = 100% at age 75 (T10, T20, T75)• ROP upon cancellation = 100% after 20 years or at age 55

(T75, T100, T100-20 pay)– Children’s endorsement – 15 illnesses

• Additional benefits– Waiver of premium– Fracture

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Who Do you know?

From your natural market:- CONNECT- DISCOVER- SHARE- CONFIRM- FOLLOW-UP

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www.ssq.ca

Adeline Thomson, CLU,CH.F.C., CHSBusiness Development Manager, Western CanadaPH: 403 354 2764adeline.thomson@ssq.ca

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Thank you.