Underwriting HEART DISEASE STROKE OUR WAY OR THE

Underwriting HEART DISEASE & STROKE OUR WAY OR THE LONG WAY

High ‘YES’ in Section A ‘YES’ in Section B RISK ‘YES’ in Section C ‘YES’ in Section D ‘NO’ in Section D, Complete Section E ‘NO’ in Section D, Complete Sections E & F Low • Guaranteed Acceptance Life • $5, 000 – $25, 000 Perm Only NO MEDICAL • Deferred Life • $5, 000 – $75, 000 Perm Only NO MEDICAL • Deferred Elite • $5, 000 – $350, 000 Perm/Term NO MEDICAL • Simplified Elite • $5, 000 – $500, 000 Perm/Term NO MEDICAL • Preferred • $50, 000 - $1, 000 Perm/Term May be Subject to Underwriting • Preferred Elite • $500, 000 - $1, 000 Perm/Term Subject to Underwriting

Heart Disease • Heart disease refers to a group of conditions that affect the structure and functions of the heart.

A well functioning heart should… Pump blood throughout the body Supplies oxygen and nutrients Remove carbon dioxide and other wastes

Heart Disease - Did You Know? Every 7 minutes in Canada someone dies from heart disease. About 2. 4 million Canadians aged 20 years and older live with ischemic heart disease. Heart disease is the 2 nd leading cause of death in Canada.

Heart Diseases on our Application Coronary Artery Disease (CAD) Angina Heart Attack Angioplasty Bypass Surgery Stent Insertion Cardiomyopathy Congestive Heart Failure

Don’t Ask, Don’t Tell NOT on our Application § Atrial Fibrillation § Arrhythmia § Congenital Heart Disease § Heart Murmur § Valvular Heart Disease

Stroke The interruption of the blood supply to any part of the brain.

STROKE vs. TIA Stroke is caused by blockage of blood flow or rupture of an artery to or in the brain Similar to a stroke, except the blockage lasts for less than 24 hours Heart and Stroke Foundation Canada

Stroke - Did You Know? Every year, nearly 14, 000 Canadians die from stroke. Stroke is the 3 rd leading cause of death. Every year in Canada, there are over 50, 000 new strokes—that's one stroke every 10 minutes

TRADITIONAL UW – HEART & STROKE The Long Way APS Stress Test Traditional Underwriting Blood/Urine Cardiac Report ECG

X APS Our Way This is all you need:

A Few Examples Case Traditional Canada Protection Plan 12 months post stroke Postponed More than 1 stroke Declined ü Potentially Simplified Elite up to $500, 000 Declined ü Deferred Elite up to $350, 000 Declined ü Guaranteed Acceptance up to $25, 000 Stroke combined with Diabetes Congestive Heart Failure ü Deferred Elite up to $350, 000 Angina (chest pain) 53 M, more Possible ECG, stress test than 3 years ago Rated or Declined ü Simplified Elite up to $500, 000

How We Underwrite – What Matters Most to us 1. Date and Age at which event (CAD/MI or stroke) took place 2. Treatment versus Maintenance Medications 3. CAD Coupled with Diabetes

1. Date and Age Heart Attack (Myocardial Infarction) Angina (Cardiac Chest Pain) Stent Insertion Angioplasty Bypass Surgery Stroke & TIA

1. Date and Age Section A, Q#9. Have you ever had, been treated for, or been diagnosed prior to age 40, with: coronary artery disease, heart bypass surgery, angioplasty, stent insertion, angina or heart attack…? Canada Protection Plan Mortality Guaranteed Acceptance • Up to $25, 000 • No Medical • 2 -year deferral period Age at onset 0 40 80

On the Application

1. Date and Age If coronary event occurred > age 40. . . Section B, Q#1. Within the past 12 months have you had, been told you have, or been treated for: a) Cardiac chest pain (angina), heart attack (myocardial infarction), coronary artery disease, stroke (CVA), heart bypass surgery, angioplasty, stent insertion…. . ? Canada Protection Plan Deferred Life • Up to $50, 000 • No Medical • 2 -year deferral period

On the Application

1. Date and Age If coronary event occurred > age 40. . . Section C, Q#4 a) Are you age 54 or under and within the past three years, have you had treatment or surgery for or been diagnosed as having cardiac chest pain (angina), heart attack (myocardial infarction), coronary artery disease, heart bypass surgery, angioplasty, stent insertion, …? b) Are you age 55 or over and within the past two years… Canada Protection Plan Deferred Elite • Up to $350, 000 • No Medical • 2 year deferral period. After 1 year, 50% of the face amount if death occurs

On the Application

Section C Deferred Elite Up to $350, 000 NO MEDICAL Issue Ages: 18 - 80 New deferral conditions…

…If the death occurs during the second year and is due to non-accidental means, 50% of the coverage amount is payable. The full coverage is payable after two years. If cause of death is accidental, the full coverage is payable any time.

If… The client is </= 54 years old and the cardiovascular event/stroke took place OVER 3 years ago OR The client is >/= 55 years old and the cardiovascular event/stroke took place OVER 2 years ago …Then, move on to Section D

Section D Immediate Coverage Simplified Elite Up to $500, 000 NO MEDICAL Issue Ages: 18 - 80

ANY HISTORY OF HEART DISEASE OR STROKE NOT ELIGIBLE FOR PREFERRED

2. Treatment versus Maintenance Meds “…been treated for…” Treatment = Surgery Stent insertion Angioplasty Heart bypass surgery Maintenance = Medications Long-term use, to prevent reoccurrence Most often: blood thinners, cholesterollowering medications, anti-hypertensive medications

3. CAD/Stroke Coupled with Diabetes Did you know…. Adults with diabetes are two to four times more likely to die from heart disease than adults without diabetes. Cardiovascular disease is the leading cause of death among people with type 1 and type 2 diabetes.

On the Application

3. CAD/MI Coupled with Diabetes Traditional Insurer CPP A history of CAD/stroke + diabetes = A history of CAD + diabetes = DECLINED APPROVED! Deferred Elite, max $350 K, non-medical

1. SPOTLIGHT: HEART DISEASE & STROKE • 33 -year-old Male, Non-Smoker • Had a sudden heart attack while at work. A stent was inserted, and he was prescribed aspirin, 81 mg per day, for prevention/maintenance. DARE TO COMPARE Traditional Provider • APS • Full cardiology reports • New labs Decision: Likely Declined Canada Protection Plan • • Approved Guaranteed Acceptance Up to $25, 000 No Medical 2 year deferral period $56. 57/month Guaranteed Acceptance Life for $25, 000

2. SPOTLIGHT: HEART DISEASE & STROKE • 48 -year-old Female, Non-Smoker • Diabetes type II, uses only non-insulin medication for 7 years. She had a stroke 4 years ago. DARE TO COMPARE Traditional Provider • APS • Full cardiology reports • New labs Decision: Likely Declined Canada Protection Plan • • Approved Deferred Elite Up to $350, 000 No Medical 2 year deferral period. After 1 year, 50% of the face amount if death occurs $43. 65/month Deferred Elite T 10 for $100, 000

3. SPOTLIGHT: HEART DISEASE & STROKE • 55 -year-old Female, Smoker • Experienced severe chest pains 6 years ago. She was taken to the ER and had a stent inserted. She also had a stroke 2 years prior to this incident. She currently takes a blood thinner and cholesterollowering medication. DARE TO COMPARE Traditional Provider • APS • Full cardiology reports • New labs Decision: Likely Declined Canada Protection Plan • • Approved Simplified Elite Up to $500, 000 No Medical No deferral period $93. 89/month Simplified Elite T 20 for $75, 000

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