Life Insurance Updates Special points of in-

terest:

Insurance soft-

ware update

Seminar updates

Insurance Prod-

ucts Highlights

Real Estate News

Mutual Funds

Updates

PPG Updates &

Housekeeping

Volume 22

PPG Newsletter Sep 18, 2012

Current software version: Wave 24.1

Current software version : Concourse 1.4

With Zoom 13.2

Current software version : 12-2

Current software version: The Interface Suite Version 7.0

Current software version:

Diamond View 14.7

Current software version: 4.0

Current software version: 5.6

Current software version: 10.0

Current software version: 14.6

Current software version: 9.2

Please note that any new software updates are highlighted in RED color.

INSURANCE.FINANCIAL.REAL ESTATE

#555-650 West 41st Ave. Vancouver, B.C. V5Z 2M9

Tel: 604-267-1833 Fax: 604-872-8896

“Knowing is not

enough; we must

apply. Willing is

not enough; we

must do.”

- Johann Wolfgang

von Goethe.

Seminar Reminder:Seminar Reminder:Seminar Reminder:

Starting August 1, 2012, reminders

for scheduled seminars are going to

be sent weekly by email only. Seminar schedule will

continue to be available on VirtGate under the

“Event” section.

Please register up to 2 days prior to the seminar and

notify the office for cancellation at least 24 hours in

advance.

Seminar Etiquette:Seminar Etiquette:Seminar Etiquette:

Be On Time! Please note that no credit

will be given to late comers. Doors

will be closed 15 mins after the scheduled time.

No Cell Phone During

Meetings!

Life Insurance Updates

Current Life Insurance Application Forms

BMO — Both Life and CI: 126E (2012/07/01)

Canada Life — Life: 405 CAN (6/12) NET

— Individual Life Insurance Application for Policy Change: 17-

8217 (6/12)

These form changes are effective immediately. Canada Life will not accept previ-

ous versions after October 31, 2012.

— CI and Life : 17-8299 (2/09) NET

— CI and DI: 541 (11/11)

Canada Life Investment

— 46-7135 seg fund application (RRSP, non-registered, etc.) (05/12).

— 46-5714 seg fund application (RIF, etc.) (05/12).

— 46-7305 TFSA (05/12)

The above 3 forms are effective immediately. Old version acceptable till July 22,

2012

— 19820-012 Interest-only investment lines of credit (08/11). Pls. destroy all

older versions immediately. No exceptions will be granted.

Equitable Life — Both Life and CI: 350 (Jun 2011)

— Short Form: 351 (Mar 2010)

IAP — Effective August 1, 2012, all IAP application forms will be changed to IA

application forms. Please contact Karen or Mimi for details.

Manulife — Both Life and CI: NN7000E (06/2012)

Manulife Investment — 0821E (06/2012) Please en-

sure the most up-to-date forms are being used. Old

versions will not be accepted by Manulife Invest-

ment.

Life Insurance Updates continues

Change to payments being wired from China Individual Insurance will no longer accept wire transfer payments from China exceeding $50,000 annually from an individual as of November 1, 2012. China’s government has an annual limit of $50,000 on foreign currency exchanges. As a result, we will return any funds over that limit to the financial institution.* We will be contacting clients who have paid their insurance policy premiums by wire transfer from China in the past to let them know about this change. Clients from China who have not paid by wire transfer in the past can only do so if their policy address is in China. This is because we no longer accept foreign wire payments from clients whose policy address is in Canada. Here are examples of how this could affect their future payments.

Please note: wire transfer payments from Hong Kong are not subject to the $50,000 limit set by the government of China.

Other ways they can pay We offer the following two alternatives for clients: § Pay through any Canadian financial institution through online banking § Set up automatic withdrawals from a Canadian chequing account.

Example 1 Zhang Wei’s address is in China. He has three insurance policies with Manulife and wants to pay his annual premiums of $45,000, $15,000 and $20,000 by wire from China. Manulife will accept his first wire transfer of $45,000 since the amount is under $50,000. However, we will not be able to accept the other two payments because they will exceed the total $50,000 annual limit. Zhang Wei will need to make arrangements to pay those two pre-miums from a Canadian financial institution.

Example 2 Li Yin’s address is in China and she wishes to pay her annual premium payment of $60,000 by wire payment from China. However, Manulife will not be able to accept it because it ex-ceeds the $50,000 annual limit. She could pay $50,000 of her premium by wire and the other $10,000 through a Canadian financial institution.

Life Insurance Updates

Life Insurance Updates continue

Notice of change to Manulife’s universal life investment accounts Effective September 22, 2012, we will be updating the investment account portfolio for InnoVision, UltraVision, Security UL*, Limited Pay UL, UL100 and Navi-vision. The following changes will be applied to the investment account portfolio and, where applicable, the corresponding Side Account investment options.

Investment accounts that will be added The following new accounts will be available for InnoVision and UltraVision products:

Click on the account names for more information about the mutual funds that underlie these two new accounts.

Investment account that will be renamed

Investment accounts that will no longer be available

The following accounts are being eliminated and will no longer be available for investment on or after September 22, 2012. The balance of the funds in any closing account will be transferred to its substitute account as shown below:

How these changes affect your clients Your clients who are affected by the portfolio update were mailed a notice of change in invest-ment accounts in August. We provided a sample notice (PDF) for your reference. The notice out-lined details of where their funds will automatically be transferred if no action is taken prior to Sep-tember 22, 2012.

Account code New account name

MA541 Manulife Strategic Balanced Yield Account

MA542 Manulife Preferred Income Account

Account Previous account name New account name

MA475 CI American Equity Account CI Cambridge American Equity Account

Investment / ac-count code

Closing account Substitute account Investment / ac-count code

Product

ETBALI Economic Trends Balanced Index Ac-count

Growth Balanced Index Account

GBALI InnoVision, Security UL*, UL 100, Navi-vision

MA531 Manulife Canadian Equity Account

Fidelity Canadian Large Cap Account

MA550 InnoVision, Ul-traVision

MA805

Simplicity Aggres-sive Portfolio Ac-count

Simplicity Growth Portfolio Account

MA804

InnoVision, Ul-traVision, Limited Pay UL, UL 100

Life Insurance Updates continue

NEW! Super Visa Brochures To assist you with the Super Visa sales opportunity, we’ve created Super Visa brochures to help you target specific groups. These brochures are a great lead-generating piece. It focuses on:

What is Super Visa Why do you need Travel Insurance for a Super Visa What Manulife Financial offers for Super Visa Benefits of our Visitors to Canada (VTC) plan What you need to know about VTC These are now available to order from DataGroup. The maximum you can order is 50. Please note: At the end of September, there will be a Visitors to Canada Plan Re-launch. These Super Visa Brochures will be revised for this launch to include the new deductible amounts. Super Visa Brochure – General EN/FR – AT0202E/F SuperVisa Brochure – Asian EN/FR – AT0198E/F Super Visa Brochure – Chinese – AT0198Z Super Visa Brochure – Indian EN/FR – AT0200E/F

PLUS! Your advisors can customize these brochures to include their contact information when they order! When they place the order, they should reference the item numbers above and in-clude "CUSTOM" at the end of the item number, i.e. AT0202E CUSTOM.

What’s new in Canada Life Concourse TM Life insurance illustration updates: Level and limited pay cost of insurance rates for Millennium universal life insurance

Guaranteed interest option (GIO) illustration interest rate range defaults updated for primary sce-narios o Daily interest option (DIO) default is 0 per cent from 0.5 per cent for bonus and no bonus

o One year GIO is 0.0 per cent from 0.5 per cent for bonus and 0.5 per cent from 1.0 per cent for

no bonus

o Three year GIO is 0.0 per cent from 0.5 per cent for bonus and 0.5 per cent from 1.0 per cent for

no bonus

o Five year GIO is 0.5 per cent from 1.5 per cent for bonus and 1.0 per cent from 2.0 per cent for

no bonus

o 10 year GIO is 1.5 per cent from 2.0 per cent for bonus and 2.0 per cent from 2.5 per cent for no

bonus

o Side Account 5 year GIO is 1.5 per cent from 2.0 percent for both bonus and no bonus

Updated life insurance strategies and calculators: Corporate estate transfer

Corporate collateral loan Term 10-to-term 20 calculator General life insurance updates: PDFs of current rates, values and performance for universal and participating life insurance have been replaced with hyperlinks to the current daily reports and added to the home page on Con-course. Minimum system requirements Windows XP service pack 3, Vista service pack 1 (or higher) or Windows 7 Professional / Ulti-mate / Enterprise on a 32 or 64 bit operating system

Excel 2002

1 GB of RAM

Processor spread of 1.66 Ghz

1.2 GB of free hard disk drive space

CD/DVD drive

PDF reader software This software is not supported by Mac computers Applications updated in this release: Zoom 13.2 Concourse 1.4 In cases where you may still have had a previous version of Zoom 13.1, it will be uninstalled where it exists. If you encounter installation problems, contact the service desk at (1-866-205-8835).

Life Insurance Updates continue

Checklist and guidelines to use with people new to Canada available Aug. 28

We’re making it easier for you to do business with people new to Canada. You’ll soon have a new resource to help simplify the application process.

On Aug. 28, the Individual life insurance, critical illness and disability insurance checklist and guidelines for people new to Canada (form 46-8525) will be available for order through supply.

Changes to the underwriting process

Within this new resource, you’ll recognize recent changes to the underwriting process, such as:

Underwriting checklist available to use with

people new to Canada

• For life insurance, no more waiting period or time requirement for being in Canada

• Improved guidelines to consider foreign trained doctors with increased maximum insurance amounts

• Improved guidelines to consider people new to Canada involved in the Federal Investor and Provincial Nominee Programs and amounts deposited with the government will be allowed as financial justification

Life Insurance Updates continue

ADDENDUM TO THE IAG SAVINGS AND RETIREMENT PLAN INFORMATION FOLDER AND FUND FACTS BOOKLET

Industrial Alliance Insurance and Financial Services Inc.1080 Grande Allée WestPO Box 1907, Station Ter-minusQuebec City, Quebec G1K 7M31 800 463-6236info@inalco.com

This addendum amends all IAG Savings and Retirement Plan Information Folders and Fund Facts booklets published by the Company as of August 20, 2012 and related to the IAG Savings and Retirement Plan Indi-vidual Variable Annuity Contracts (the “Contract”). This addendum is not part of the Contract and must not under any circumstances be considered as a contractual document that binds the Policyholder and the Company. In the event of incompatibility between the Information Folder, the Fund Facts booklet and the Contract, the Contract takes precedence.

This addendum amends the Information Folder and the Fund Facts booklet in accordance with the follow-ing terms and conditions:

Until further notice from the Company, no Premiums may be invested in the Ecoflextra Series Fund Units pursuant to the Contract. As a result, as of August 20, 2012, the Policyholder may only invest Premiums in the Classic Series 75/75 Fund Units and in the Ecoflex Series 100/100 Fund Units.

Notwithstanding Section 2.4 of the Information Folder entitled Transfer Between Funds and Section 2.5 en-titled Change of Series, neither transfers between Funds from the Classic Series 75/75 Funds and the Eco-flex Series 100/100 Funds to the Ecoflextra Series Funds nor a change of Series from the Classic Series 75/75 and the Ecoflex Series 100/100 to the Ecoflextra Series will be accepted.

All references in the Information Folder and Fund Facts booklet to the Ecoflextra Series and any related guarantees and features, such as, but not limited to, the Guaranteed Minimum Surrender Benefit (“GMSB”) components, are therefore not in force. More particularly, without limiting the generality of the foregoing, Section 5 of the Information Folder entitled Ecoflextra Series does not apply.

The provisions of this addendum shall apply, notwithstanding any provisions to the contrary under the In-formation Folder or Fund Facts booklet.

CERTIFICATION

The Information Folder, as amended herein, provides brief and plain disclosure of the key features of the IAG Savings and Retirement Plan Individual Variable Annuity Contracts offered by the Company.

Life Insurance Updates continue

Life Insurance Updates continue

In this edition:

1. Get social with Facebook and SLF on September 27, 2012

2. Insuring step-children with the child term insurance benefit

3. Changes to health questions impact New Business forms and applications

4. SLF advisor code now on Client Portfolio

5. Four ways golf brings your fitness up to par

Sales and marketing Quick links:

Get social with Facebook and SLF on September 27, 2012 Learn about so-

cial media best practices and how to develop your online brand by attend-

ing the first of many Sun Life Financial (SLF) social media webinars! On

September 27, 2012, SLF is hosting its first social media webinar, with rep-

resentatives from Facebook.

NewsFlash homepage

Competitive Edge articles

Strategic Partner Program

Premier Partner Conference

2013

Today's rates

Forms

Contacts

BrighterLife.ca

Life and health insurance

Insuring step-children with the child term insurance benefit The child term

insurance benefit gives clients the opportunity to purchase coverage on

their children under their policy. When the policy is issued, the benefit co-

vers any children born to the insured person, legally adopted by the in-

sured person, or step-children of the insured person.

New and in-force business

Changes to health questions impact New Business forms and applications

To keep our New Business applications and forms current and ensure the

best client experience, we’ve made changes to the health questions on the

following forms: SLF advisor code now on Client Portfolio

We've added the Sun Life Financial (SLF) advisor code to the Client Portfo-

lio pages on the SLF advisor site. You and your support team can now use

this ID when calling the SLF call centre. The following screen shots high-

light the improved Client Portfolio, making it easier for you to do business

with SLF:

Brighter Life idea to share!

Four ways golf brings your fitness up to par

Want to exercise more? Don’t limit your options to a gym membership –

consider golf. It has more health benefits than you think.

.Lower DFS insurance rates are available for less than seven days

In today’s low interest rate world, insurers have been obliged to raise rates on their permanent prod-ucts. Although many insurers have removed or suspended the sale of certain products and product lines, Desjardins Financial Security (DFS) is committed to being an insurer of choice, which is why we continue to offer a full range of life and health insurance coverages to meet your clients’ needs.

Transition rule - Lower DFS insurance rates are available for less than seven days

Contracts will be issued based on the old rates if the application and illustration are received

by Head Office on or before September 14 2012 by mail, fax or e-mail.

A contract issued with the old rates must be settled within 40 days following the approval date from the underwriting department.

If the above conditions are not met, the new rates will apply to the contract. No exception will be made. IMPORTANT:

After September 14 2012, only illustrations produced with the Fusion illustration software ver-sion 14.6.0 will be accepted, otherwise they will be returned to you. This information and other news will be published in the September 13, 2012 issue of Marketing Flash.

Desjardins Group ranked 3 in North America As our business partner we want to make you aware of a recent recognition that we have received. Not only is the Desjardins Group one of Canada's largest financial institutions, we are also among the most secure.

Life Insurance Updates continue

DFS Marketing Dept. - Individual Insurance and Savings 05/09/2012

Traditional Life

Insurance

Average

Increase

PACE Universal Life Insur-

ance

Average In-

crease

Critical Illness Insur-

ance

Average

Increase

MaxLife (T100) 5.3% Foundation (T100) 6.4%

Harmony Term to age 100 (T100)

Harmony Executive

4.7%

Life 10 6.6% Precision 10 6.6% Harmony Limited

Pay 10 5.8%

Life 20 6.0% Precision 20 6.0% Harmony Limited

Pay 20 9.6%

Real Estate Updates

BC Home Sales Continue to Trend Lower

Vancouver, BC – September 17, 2012.

BC Multiple Listing Service® (MLS®) residential sales are forecast to edge down 4 per cent to 73,400 units

this year, before increasing 7.5 per cent to 78,900 units in 2013. Since 2009, MLS® residential sales in BC

have ranged between 74,000 to 78,000 units. A record 106,300 MLS® residential sales were recorded in

2005.

“Despite more robust consumer demand in the Interior, fewer home sales in Vancouver will pull the BC total

lower this year,” said Cameron Muir, BCREA Chief Economist. “However, a notable growth trend in full-

time employment combined with persistently low mortgage interest rates is expected to boost housing de-

mand around the province in 2013.”

“MLS® residential prices are expected to remain relatively stable this year and through 2013, with changes in

average price statistics largely the result of a differing mix of home types sold and shifting regional demand

patterns,” added Muir. Average price data for Vancouver was skewed artificially high in 2011 by a wave of

detached home sales in the priciest neighbourhoods. Lower Mainland’s share of provincial home sales is ex-

pected to decline to 58 per cent this year from 62 per cent in 2011. The average MLS® residential price in

BC is forecast to decline 7.8 per cent to $517,500 this year, and remain relatively unchanged at $519,000 in

2013.

Dollar volume of homes sold declined 25.4% (in August).

Residential unit sales were down 17.9%; (9 % lower than a year ago).

Univeris Update – Summary of Main Features & Changes

Please note that Univeris was updated last Tuesday, September 4th, 2012 (minor version 12.0.2) in order to resolve problems created by previous system updates. Please find below a summary of the main features and changes introduced in this version: WebCONNECT: a disclaimer has been added to the bottom of the dashboard screen regarding rounding-off issues; The “E-Delivery Notification” report under Reports/Management/Marketing has been corrected and will be fully functional upon the next issue of quarterly statements; Errors when generating batch investment statements with the client’s KYC information have been corrected; PortfolioINSIGHTS reports: pagination issues have been corrected; Incorrect rate of return calculations on family statements have been corrected; PortfolioINSIGHTS “Suitability Tab”: funds have been corrected to avoid combining Identical funds with different fees; The fund load type under Holdings/Details has been translated to French. Should you require additional information, please contact our Client Service Department at 1-888-684-5548.

Mutual Fund (Investia) Updates

Electronic Transaction Processing (FundSERV)

We would like to remind you that many fund companies allow 10% free/matured units to be automatically switched under FundSERV’s code F. Electronic processing can greatly facilitate your everyday work; not only does it ensure same-day processing and trade confirmation, it saves you the trouble of having to fax your Financial Instruction Form to the fund company and proof of transmission afterwards. Therefore, it is no longer necessary to follow up with the fund company since the trade is confirmed in Univeris the very next day. If your trade cannot be processed, whether because there aren’t enough free units available or because the fund is not eligible, Univeris and/or FundSERV will issue an immediate trade rejection notice, except for some

companies for which the “WO Accepted” status will be maintained if there aren’t enough free units available (Invesco - AIM, Manulife - MFF, etc.). 10% free units may also be switched using FundSERV’s code T, and matured units using code M. For more detailed information, we invite you to refer to the attached Transaction Processing Grid, alsoavailable on the Investia Launchpad under Resource Center/Training/Manuals/Investia Training Manual/Appendix A.1.

Improvement Made to Your Compensation Statement on the IA Extra-net As you may already know, since the implementation of Fasat in 2010, most representatives have had to generate 2 reports from the Industrial Alliance Extranet, i.e. “Compensation Statement (IA)” and “Compensation Statement (Investia)” in order to obtain their weekly commission amount and breakdown of deductions. Further to comments received, we have made changes to our system and we are pleased to inform you that effective Monday, September 17th, 2012 (pay period: September 10th to 14th, 2012), In-vestia fees, Investia group insurance fees and Investia E&O fees will all be added to the Investia Compensation Statement, which means that most of you will no longer have to generate 2 reports from the IA Extranet. It is important to note that fees generated by Industrial Alliance (IA loan payments, Paltrack fees, IA group insurance fees and IA E&O fees, etc.) will continue to be detailed on the IA Compensation Statement. We would like to remind you that the Investia Compensation Statement provides detailed sales and trailer commissions, as well as the amount which is transferred to your bank account for the period. To obtain a breakdown of gross commissions by company and a cumulative summary for the year, it is recommended that you generate a commission report in Univeris. For more information on how to generate compensation statements from the Industrial Alliance Extranet and commission reports from Univeris, please refer to Administrative Procedure # 21 (“Commission Reports”), available on the Launchpad under Resource Center/ Policies, Procedures & Manuals/ Administrative and under Resource Center/ Policies, Procedures & Manuals/Commissions. Access Code Merge We are taking this opportunity to remind you that if you have more than one code to access the Industrial Alliance Extranet (e.g. personal Investia code, company code, etc.), these codes may eas-ily be merged together. If you wish to merge your access codes, simply contact the IA website call center at 1-888-610-5101. Should you require additional information, please contact our Client Service Department at 1-888-684-5548.

Mutual Fund (Investia) Updates continue

Administration Responsibility Indication - June 8, 2012

Pacific Place-Financial Services Inc. (Life Insurance Division) Hendry Liu: Insurance manager

Mimi Sum: Manulife case underwriting; insurance contracting

Karen Yau: All insurance case underwriting except Manulife; TIC

Angel Wong: Commission

Tiffany Tang: Life Insurance policy servicing (address, beneficiary, name changes; cheque

payment, etc.)

Cammy Tsang: Currently on Maternity leave

Pacific Place-Insurance Services Inc. (General Insurance Division) Hendry Liu: Manager

Eileen Zeng: Auto Insurance; house insurance endorsement

Shelley Lin: New business; endorsement

Frank Rui : House insurance renewal; Auto insurance

Pacific Place-Arc Realty Ltd. (Real Estate Division) Lo-ming Lee: Managing Broker

Leslie Wu: Real estate conveyancer

Angel Wong: Back-up conveyancer

Investia (Affiliated) Christopher Chiew: Manager

Angel Wong: Mutual funds administrator

Karen Yau: Back-up for mutual funds

Pacific Place Group Updates & Housekeeping

New Agents

We are pleased to announce the following agents who

joined our team recently:

Joyee Ng (Real Estate Divison)

We would like to extent our warmest wishes to all of them!