1. Discover CRITICAL ILLNESS INSURANCE Your “Health” is the Investment Protecting your Financial Portfolio 1whealthcare™ Transforming Health care Insurance and Investments

2. “ You need insurance, not only because you’re going to die, but because you’re going to live.” Dr. Marius Barnard Creator of Critical Illness Insurance.

5. 340 Cancer (new cases)- 137 Strokes - 8 Kidney Failures - 3 Multiple Sclerosis Chances in any given year before age 65: CANADA Every day 3.5% Death 34.7%Critical Illness

6. Age Bands ► Source: Munich Re 2007

8. HR NIGHTMARE PERCEPTION REALITY What Employee thinksis covered? What Plan actually covers!

9. Exclusions & Restrictions To Avoid BAKER’S DOZEN + 12

10. PLAN STRUCTURE X vs BUNDLED STAND ALONE AN AVOIDABLE TRAP

11. BUNDLEDVS.STAND ALONE ►SUBSIDIZED RATES ► UNPREDICTABLE RATE INCREASES ► LOSS RATIO AFFECT (Life, A.D.& D., LTD, C.I.) ► LIMITS SHOPPING ► JEOPARDIZE PRE-EX TRANSPARENT PRICING PRICING STABILITY MINIMIZE LOSS RATIO AFFECT MARKET ACCESS PRE-EX GRANDFATHERED

12. CRITICAL ILLNESS INSURANCE “DEFINITIONS” MOST IMPORTANT CONSIDERATION DETERMINE IF AND WHEN YOU WILL BE PAID NOT ALL PLANS ARE THE SAME!

13. Types of Exclusions&RestrictionsTo Avoid ►Obvious ► Subtle ► Omission ► Severity ► Restrictive ► Unreasonable ► Uncertainty ► Unilateral Changes ► Retroactive ► Not Legally Sound ► Subjective ► Denial & Termination

20. ( A good policy doesn’t list this exclusion.) Subjective

21. KIDNEY (RENAL) FAILURE Good Definitionvs. Poor Definition  Kidney failure means a definite diagnosis of chronic irreversible failure of both kidneys to function, as a result of which regular haemodialysis, peritoneal dialysis or renal transplantation is initiated  Means end stage renal disease due to chronic irreversible kidney failure, requiring the Insured Person to undergo regular hemodialysis, peritoneal dialysis, or require renal transplantation Subtle

22. STROKE Good Definitionvs. Poor Definition Evidence of permanent neurological deficit persisting for 30 consecutive days ►New objective neurological deficits on clinical examination persisting continuously for at least sixty(60) days following the diagnosis of the stroke. Severity

23. MULTIPLE SCLEROSIS Good Definitionvs. Poor Definition  Multiple Sclerosis means a definite diagnosis of at least one of the following: ▪two or more separate clinical attacks, confirmed by MRI showing multiple lesions of demyelination ▪ well-defined neurological abnormalities lasting more than 6months, confirmed by MRI, showing multiple lesions of demyelination; or ▪ a single attack, confirmed by repeated MRI, which shows multiple lesions of Demyelination which have developed at intervals at least one month apart  Means the definitive written diagnosis by a Physician who is certified as a neurologist confirming at least moderate persisting neurological abnormalities, with impairment of function, but not necessarily confining the insured to a wheelchair or bed Severity

25. the policy date, or

26. the most recent date of reinstatement

27. The Insured person has any of the following:

28. signs, symptoms or investigations that lead to a diagnosis of benign brain tumor  The histologic nature of the tumor must be confirmed by examination of tissue (biopsy or surgical excision) Unreasonable

30. MAJOR ORGAN TRANSPLANT Good Definitionvs.Poor Definition  Major organ transplant means a definite diagnosis of the irreversible failure of the heart, both lungs, liver, both kidneys or bone marrow and transplantation must be medically necessary  Means being either the recipient of a transplanted heart, lung, liver, kidney, pancreas or bone marrow performed by a Physician who is certified to conduct such transplant, or enrolled in a recognized organ or bone marrow transplant program in Canada or the United States Not Legally Sound

32. Life Insurance Co. Group C.I.I. Pays Claims Pays Premium Insures Employees Company Employees Critically Ill Employee Claimant Premium is a Tax Deductible business expense for Company. Claimbenefit is received Tax-Free,in a Lump Sum payment, by Employee Premium is NOTa Taxable Employee Benefit to the Employee ‘Based on a CRA ruling in 2003 involving an Alberta Group C.I.I. Case, Arthur Drache Q.C. (F.P. 2003/5/13) “Benefits “ provided by an employer are taxable as a benefit unless there is a statutory exemption. There is such an exemption for Group Sickness & Accident insurance - based on Provincial Insurance Act.’

33. GROUP PLAN EVALUATIONCHECKLIST 1. Approval -Guaranteed Issue 2.Plan Structure -Stand Alone 3. Pre-existing -Reduce or Eliminate 4.General Exclusions -Few As Possible 5. Level of Benefits -No Restrictions Based On Income 6.Scope of Coverage -Most Comprehensive / Optional 7. Covered Conditions -Most Available / Occupational HIV

34. GROUP PLAN EVALUATIONCHECKLIST (Cont’d) 8.Definitions -Legally & Medically Sound/ No Disability -Few Exclusions & Exceptions 9. Qualifying Period -Shortest Possible if Over 30 Days 10.Moratorium Period -Plan Shouldn’t Be Cancelled 11. Claim Assessment -Reasonable Criteria / Not Limited 12.Portability -Should Be Portable / Convertible 13. Premium -Employer Paid / Non-Taxable 14.Underwriter -Insurance Company / Tax Status

35. ? OVER THE PAST 5 YEARS WHO DO YOU KNOW . . .

37. GROUP CRITICAL ILLNESS INSURANCE Need? Significant gaps in traditional Benefit plans. Medical & pharmacological advances have drastically changed patients’ medical treatments. Today’ fast paced stress inducing lifestyles are causing an alarming increase in acute illnesses.

38. Critical Illness Insurance Summary Dr. Marius Barnard recognized that LTD (Disability) wasn’t adequately addressing person’s needs. He realized that acute and life altering illnesses necessitate a large infusion of cash, usually immediately. He observed that without the stress of financial worry, recuperation is frequently more successful and rapid.

39. Thank You. Download the latest "Critical Illness Insurance Consumers’ Guide for Canadians©“ 1whealthcare.com Learn how the 1whealthcare solution: Critical Health & Vitality Keeps you drug free & pain free for free