Corporate presentation - Corporate Internal Communications - 10/04/23 - 1

Apparent trends

Term sales increasing

Term premiums declining

Whole Life sales increasing

Critical illness sales increasing

Guaranteed Universal Life popular

Majority of Universal Life policies are not over funded

From - 10/04/23

AXA Life Products

Corporate presentation - Corporate Internal Communications - 10/04/23 - 3

AXA Life Products

Term 100 chassis

Term 10, 20 and 70

Guaranteed Pay products 10 and 20

Universal Life Bastion YRT based Pacte II Level, YRT and YRT for 10 then level

Mortgage Insurance with Disability

Critical illness

Individual Disability

Corporate presentation - Corporate Internal Communications - 10/04/23 - 4

Todays focus

Term 100

Term 10, 20 and 70

Guaranteed Pay products 10 and 20

Corporate presentation - Corporate Internal Communications - 10/04/23 - 5

Term 100

ROP at Death

ROP at Surrender

Guaranteed premiums

Guaranteed death benefit

Monthly income in the event of disability

Extreme Disability benefit

Annuity at age 90

Corporate presentation - Corporate Internal Communications - 10/04/23 - 6

Example

Microsoft Excel

Worksheet

Corporate presentation - Corporate Internal Communications - 10/04/23 - 7

T100 Compensation

Term Life with ROP

45% FYC & 120% bonus rate

$2750 FY

$202 yrs. 2-10

Total FY comp $2750

$1213 increase in comp

Term 100 + invest the difference

1325 Term 100 premium

50% FYC and 120% bonus

$1479 FY

$66 yrs. 2-10

1175 in an investment

5%

$58.75 FY

Total FY comp $1537.75

From - 10/04/23

Corporate presentation - Corporate Internal Communications - 10/04/23 - 9

Contents

1 : Term 10 Indexed summary

2 : Preferred underwriting factors

3 : Competitive analysis

Corporate presentation - Corporate Internal Communications - 10/04/23 - 10

Term 10 Indexed

Our Term 10 is renewable to age75 and convertible to age 70

Preferred rates (4 non-smoker and 2 smoker categories.)

Our new Automatic Indexation Benefit enables your clients to increase their insurance at each of the first five anniversary dates, by 30%, 25%, 20%, 15% or 10% of the initial insurance amount. This option is available at original issue age.

If you exercise all of the increases, your clients’ coverage doubles by year 5.

Corporate presentation - Corporate Internal Communications - 10/04/23 - 11

Term 10 Indexed

We also include at no extra cost our Extreme Disability Benefit (EDB)

Until the age of 60, 50% of the death benefit is payable in advance, in case of extreme disability, while the insured is alive.

Extreme Disability means that the insured is in a state of total irrecoverable disability, is unable to work and this condition has been declared permanent by a physician.

The insured must also require assistance from a third party to perform 5 of the following 7 acts of daily living 1) Getting up; 2) moving around; 3) washing; 4) dressing; 5) eating; 6) bladder control; 7) bowel movement control.

Corporate presentation - Corporate Internal Communications - 10/04/23 - 12

Preferred underwriting Factors to consider

Tobacco use

Height and weight

Blood pressure

Cholesterol Level

Insured’s medical history

Family history

Alcohol use

Drug use

Driving record

Criminal record

Corporate presentation - Corporate Internal Communications - 10/04/23 - 13

Comparing Preferred Underwriting Tobacco Use-Class 1

0

2

4

6

8

10

12

14

16

AXA Canada AIG Manu IA

years of no usage

Corporate presentation - Corporate Internal Communications - 10/04/23 - 14

Comparing Preferred Underwriting Weight for Male (Height – 5’8”)

176

178

180

182

184

186

188

190

AXA Canada AIG Manu IA

Weight

Corporate presentation - Corporate Internal Communications - 10/04/23 - 15

Comparing Preferred Underwriting Blood pressure for Male – Age 55

132

133

134

135

136

137

138

139

140

AXA Canada IA AIG Manu

Systolic

Corporate presentation - Corporate Internal Communications - 10/04/23 - 16

Comparing Preferred Underwriting Blood pressure for Male – Age 55

77

78

79

80

81

82

83

84

85

AXA Canada AIG IA Manu

Diastollic

Corporate presentation - Corporate Internal Communications - 10/04/23 - 17

Comparing Preferred Underwriting Cholesterol Levels for Male – Age 45

4.7

4.8

4.9

5

5.1

5.2

5.3

5.4

5.5

AXA Canada AIG IA Manu

HDL ratio

Corporate presentation - Corporate Internal Communications - 10/04/23 - 18

Comparing Preferred Underwriting Family History of cancer

57

58

59

60

61

62

63

64

65

AXA Canada AIG IA Manu

Prior to age

Corporate presentation - Corporate Internal Communications - 10/04/23 - 19

Premium Comparaison

40Yr Male $250K

1. RBC Insurance Term 10 $192.50 2. Reliable Life Merit T10 (Preferred Plus) $200.00 3. Unity Life Preferred T10 (Class A) $205.00 4. Unity Life Indexed Preferred T10 (Class A) $205.00 5. AXA Assurances Term 10 (Class N1) $212.50

6. The Canada Life Term 10 (Diamond Plus) $217.50 7. Great-West Term 10 (Super Pref) $217.50 8. RBC Insurance Term 10 (Class 2) $217.50 9. London Life 10 Year Term Non-Par R&C (Super Pref) $220.0010. Transamerica Life TermSelect 10 R&C (Elite NS) $220.00

11. The Standard Life Term 10 (Profile 1) $222.5012. Unity Life Preferred T10 (Class B) $225.0013. Unity Life Indexed Preferred T10 (Class B) $225.0014. AIG Life Preferred T10 (Pref Plus NS) $227.5015. Assumption Life T-10 Plus (Elite NS) $227.50

16. Co-operators Life Versatile 10 Year R&C (Class N1) $232.5017. Manulife Financial Family Term-10 $237.9618. Manulife Financial Business Term-10 $237.9619. Co-operators Life Versatile 10 Year R&C (Class N2) $242.5020. Assumption Life T-10 Plus (Preferred NS) $247.50

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 20

Premium Comparaison

40 Yr Male $500K

1. Reliable Life Merit T10 (Preferred Plus) $325.00 2. Unity Life Preferred T10 (Class A) $335.00 3. Unity Life Indexed Preferred T10 (Class A) $335.00 4. AXA Assurances (New Rates) Term 10 (Class N1) $345.00 5. RBC Insurance Term 10 $350.00

6. Transamerica Life TermSelect 10 R&C (Elite NS) $360.00 7. The Canada Life Term 10 (Diamond Plus) $375.00 8. Great-West Term 10 (Super Pref) $375.00 9. Unity Life Preferred T10 (Class B) $375.0010. Unity Life Indexed Preferred T10 (Class B) $375.00

11. AIG Life Preferred T10 (Pref Plus NS) $380.0012. London Life 10 Year Term Non-Par R&C (Super Pref) $380.0013. The Standard Life Term 10 (Profile 1) $380.0014. Manulife Financial Family Term-10 $382.0815. Manulife Financial Business Term-10 $382.08

16. Assumption Life T-10 Plus (Elite NS) $395.0017. AXA Assurances (Old Rates) Term 10 (Class N1) $400.0018. IA Pacific Life Axis T10 R&C (Elite) $400.0019. Industrial-Alliance Axis T10 R&C (Elite) $400.0020. National Life NL Term 10 (Elite) $400.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 21

Premium Comparaison

40 Yr Male $1,000K

1. Unity Life Preferred T10 (Class A) $595.00 2. Reliable Life Merit T10 (Preferred Plus) $600.00 3. AXA Assurances(New Rates) Term 10 (Class N1) $605.00 4. Assumption Life T-10 Plus (Elite NS) $630.00 5. RBC Insurance Term 10 $650.00

6. Transamerica Life TermSelect 10 R&C (Elite NS) $660.00 7. AXA Assurances(Old Rates) Term 10 (Class N1) $665.00 8. Unity Life Preferred T10 (Class B) $675.00 9. Unity Life Indexed Preferred T10 (Class B) $675.0010. AIG Life Preferred T10 (Pref Plus NS) $685.00

11. The Standard Life Term 10 (Profile 1) $685.0012. Assumption Life T-10 Plus (Preferred NS) $700.0013. The Canada Life Term 10 (Diamond Plus) $700.0014. Great-West Term 10 (Super Pref) $700.0015. London Life 10 Year Term Non-Par R&C (Super Pref) $700.00

16. Manulife Financial Family Term-10 $705.9617. Manulife Financial Business Term-10 $705.9618. IA Pacific Life Axis T10 R&C (Elite) $740.0019. Industrial-Alliance Axis T10 R&C (Elite) $740.0020. National Life NL Term 10 (Elite) $740.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 22

Premium Comparaison

40 Yr Female $250K

1. RBC Insurance Term 10 $157.50 2. RBC Insurance Term 10 (Class 2) $170.00 3. Unity Life Preferred T10 (Class A) $170.00 4. Unity Life Indexed Preferred T10 (Class A) $170.00 5. AIG Life Preferred T10 (Pref Plus NS) $182.50

6. AXA Assurances Term 10 (Class N1) $185.00 7. RBC Insurance Term 10 (Class 3) $192.50 8. The Standard Life Term 10 (Profile 1) $192.50 9. The Canada Life Term 10 (Diamond Plus) $195.0010. Great-West Term 10 (Super Pref) $195.00

11. Transamerica Life TermSelect 10 R&C (Elite NS) $195.0012. Unity Life Preferred T10 (Class B) $195.0013. Assumption Life T-10 Plus (Elite NS) $197.5014. London Life 10 Year Term Non-Par R&C (Super Pref) $197.5015. Co-operators Life Versatile 10 Year R&C (Class N1) $200.00

16. Reliable Life Merit T10 (Preferred Plus) $200.0017. CUMIS Life CUMIS T-10 $205.0018. Reliable Life Merit T10 (Preferred Non-Smoker) $205.0019. Manulife Financial Family Term-10 $206.7620. Manulife Financial Business Term-10 $206.76

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 23

Premium Comparaison

40 Yr Female $500K

1. Unity Life Preferred T10 (Class A) $265.00 2. Unity Life Indexed Preferred T10 (Class A) $265.00 3. RBC Insurance Term 10 $285.00 4. AXA Assurances Term 10 (Class N1) $290.00 5. AIG Life Preferred T10 (Pref Plus NS) $290.00

6. The Canada Life Term 10 (Diamond Plus) $290.00 7. Great-West Term 10 (Super Pref) $290.00 8. Transamerica Life TermSelect 10 R&C (Elite NS) $290.00 9. Manulife Financial Business Term-10 $292.6810. London Life 10 Year Term Non-Par R&C (Super Pref) $295.00

11. IA Pacific Life Axis T10 R&C (Elite) $310.0012. Industrial-Alliance Axis T10 R&C (Elite) $310.0013. National Life NL Term 10 (Elite) $310.0014. Reliable Life Merit T10 (Preferred Plus) $310.0015. The Standard Life Term 10 (Profile 1) $315.00

16. Unity Life Preferred T10 (Class B) $315.0017. Unity Life Indexed Preferred T10 (Class B) $315.0018. The Maritime Life Term Life Solutions 10 (Pref Plus) $320.0019. AXA Assurances Term 10 (Class N1) $330.0020. Assumption Life T-10 Plus (Elite NS) $335.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 24

Premium Comparaison

40 Yr Female $1,000K

1. Unity Life Preferred T10 (Class A) $455.00 2. Unity Life Indexed Preferred T10 (Class A) $455.00 3. AXA Assurances(New Rates) Term 10 (Class N1) $495.00 3. AIG Life Preferred T10 (Pref Plus NS) $505.00 4. AXA Assurances(Old Rates) Term 10 (Class N1) $515.00 5. Assumption Life T-10 Plus (Elite NS) $520.00

6. The Canada Life Term 10 (Diamond Plus) $520.00 7. Great-West Term 10 (Super Pref) $520.00 8. RBC Insurance Term 10 $520.00 9. Transamerica Life TermSelect 10 R&C (Elite NS) $520.0010. Manulife Financial Family Term-10 $525.96

11. Manulife Financial Business Term-10 $525.9612. London Life 10 Year Term Non-Par R&C (Super Pref) $530.0013. The Maritime Life Term Life Solutions 10 (Pref Plus) $550.0014. The Standard Life Term 10 (Profile 1) $555.0015. Unity Life Preferred T10 (Class B) $555.00

16. Unity Life Indexed Preferred T10 (Class B) $555.0017. IA Pacific Life Axis T10 R&C (Elite) $560.0018. Industrial-Alliance Axis T10 R&C (Elite) $560.0019. National Life NL Term 10 (Elite) $560.0020. Reliable Life Merit T10 (Preferred Plus) $570.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 25

Premium Comparaison

45 Yr Male $250K

1. Reliable Life Merit T10 (Preferred Plus) $262.50 2. RBC Insurance Term 10 $285.00 3. AXA Assurances(New Rates) Term 10 (Class N1) $287.50 4. Unity Life Preferred T10 (Class A) $295.00 5. Unity Life Indexed Preferred T10 (Class A) $295.00

6. Assumption Life T-10 Plus (Elite NS) $300.00 7. Transamerica Life TermSelect 10 R&C (Elite NS) $300.00 8. Unity Life Preferred T10 (Class B) $305.00 9. Unity Life Indexed Preferred T10 (Class B) $305.0010. The Canada Life Term 10 (Diamond Plus) $307.50

11. Great-West Term 10 (Super Pref) $307.5012. AIG Life Preferred T10 (Pref Plus NS) $310.0013. The Standard Life Term 10 (Profile 1) $310.0014. RBC Insurance Term 10 (Class 2) $312.5015. Co-operators Life Versatile 10 Year R&C (Class N1) $315.00

16. London Life 10 Year Term Non-Par R&C (Super Pref) $315.0017. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $322.5018. Manulife Financial Family Term-10 $328.5619. Manulife Financial Business Term-10 $328.5620. AXA Assurances(Old Rates) Term 10 (Class N1) $330.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 26

Premium Comparaison

45 Yr Male $500K

1. Reliable Life Merit T10 (Preferred Plus) $475.00 2. AXA Assurances Term 10 (Class N1) $490.00 3. Transamerica Life TermSelect 10 R&C (Elite NS) $490.00 4. Unity Life Preferred T10 (Class A) $515.00 5. Unity Life Indexed Preferred T10 (Class A) $515.00

6. RBC Insurance Term 10 $530.00 7. The Standard Life Term 10 (Profile 1) $535.00 8. Unity Life Preferred T10 (Class B) $535.00 9. Unity Life Indexed Preferred T10 (Class B) $535.0010. Assumption Life T-10 Plus (Elite NS) $540.00

11. AIG Life Preferred T10 (Pref Plus NS) $545.0012. The Canada Life Term 10 (Diamond Plus) $545.0013. Great-West Term 10 (Super Pref) $545.0014. Manulife Financial Family Term-10 $551.1615. Manulife Financial Business Term-10 $551.16

16. London Life 10 Year Term Non-Par R&C (Super Pref) $555.0017. Co-operators Life Versatile 10 Year R&C (Class N1) $580.0018. IA Pacific Life Axis T10 R&C (Elite) $580.0019. Industrial-Alliance Axis T10 R&C (Elite) $580.0020. National Life NL Term 10 (Elite) $580.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 27

Premium Comparaison

45 Yr Male $1,000K

1. Assumption Life T-10 Plus (Elite NS) $880.00 2. AXA Assurances (New Rates) Term 10 (Class N1) $885.00 3. Reliable Life Merit T10 (Preferred Plus) $900.00 4. AXA Assurances (Old Rates) Term 10 (Class N1) $905.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $920.00

6. Unity Life Indexed Preferred T10 (Class A) $955.00 7. The Standard Life Term 10 (Profile 1) $965.00 8. Assumption Life T-10 Plus (Preferred NS) $980.00 9. Unity Life Preferred T10 (Class B) $995.0010. Unity Life Indexed Preferred T10 (Class B) $995.00

11. RBC Insurance Term 10 $1,010.0012. AIG Life Preferred T10 (Pref Plus NS) $1,015.0013. The Canada Life Term 10 (Diamond Plus) $1,030.0014. Great-West Term 10 (Super Pref) $1,030.0015. Manulife Financial Family Term-10 $1,042.20

16. Manulife Financial Business Term-10 $1,042.2017. London Life 10 Year Term Non-Par R&C (Super Pref) $1,050.0018. Co-operators Life Versatile 10 Year R&C (Class N1) $1,085.0019. The Maritime Life Term Life Solutions 10 (Pref Plus) $1,090.0020. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $1,095.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 28

Premium Comparaison

45 Yr Female $250K

1. RBC Insurance Term 10 $215.00 2. AXA Assurances Term 10 (Class N1) $220.00 3. AIG Life Preferred T10 (Pref Plus NS) $220.00 4. RBC Insurance Term 10 (Class 2) $227.50 5. Reliable Life Merit T10 (Preferred Plus) $230.00

6. Unity Life Preferred T10 (Class A) $232.50 7. Assumption Life T-10 Plus (Elite NS) $235.00 8. The Canada Life Term 10 (Diamond Plus) $240.00 9. Great-West Term 10 (Super Pref) $240.0010. Transamerica Life TermSelect 10 R&C (Elite NS) $240.00

11. The Standard Life Term 10 (Profile 1) $242.5012. Unity Life Preferred T10 (Class B) $242.5013. Unity Life Indexed Preferred T10 (Class B) $242.5014. London Life 10 Year Term Non-Par R&C (Super Pref) $245.0015. Manulife Financial Family Term-10 $246.48

16. Manulife Financial Business Term-10 $246.4817. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $247.5018. Reliable Life Merit T10 (Preferred Non-Smoker) $255.0019. Assumption Life T-10 Plus (Preferred NS) $257.5020. Co-operators Life Versatile 10 Year R&C (Class N1) $257.50

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 29

Premium Comparaison

45 Yr Female $500K

1. AXA Assurances(New Rates) Term 10 (Class N1) $360.00 2. AIG Life Preferred T10 (Pref Plus NS) $365.00 3. The Canada Life Term 10 (Diamond Plus) $365.00 4. Great-West Term 10 (Super Pref) $365.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $365.00

6. London Life 10 Year Term Non-Par R&C (Super Pref) $370.00 7. Manulife Financial Business Term-10 $371.52 8. RBC Insurance Term 10 $380.00 9. AXA Assurances(Old Rates) Term 10 (Class N1) $390.0010. IA Pacific Life Axis T10 R&C (Elite) $390.00

11. Industrial-Alliance Axis T10 R&C (Elite) $390.0012. National Life NL Term 10 (Elite) $390.0013. Unity Life Preferred T10 (Class A) $390.0014. Unity Life Indexed Preferred T10 (Class A) $390.0015. Assumption Life T-10 Plus (Elite NS) $410.00

16. Reliable Life Merit T10 (Preferred Plus) $410.0017. The Standard Life Term 10 (Profile 1) $410.0018. Unity Life Preferred T10 (Class B) $410.0019. Unity Life Indexed Preferred T10 (Class B) $410.0020. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $430.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 30

Premium Comparaison

45 Yr Female $1,000K

1. AXA Assurances Term 10 (Class N1) $635.00 2. Assumption Life T-10 Plus (Elite NS) $650.00 3. AIG Life Preferred T10 (Pref Plus NS) $655.00 4. The Canada Life Term 10 (Diamond Plus) $670.00 5. Great-West Term 10 (Super Pref) $670.00

6. Transamerica Life TermSelect 10 R&C (Elite NS) $670.00 7. London Life 10 Year Term Non-Par R&C (Super Pref) $680.00 8. Manulife Financial Family Term-10 $680.40 9. Manulife Financial Business Term-10 $680.4010. Unity Life Preferred T10 (Class A) $705.00

11. Unity Life Indexed Preferred T10 (Class A) $705.0012. RBC Insurance Term 10 $710.0013. IA Pacific Life Axis T10 R&C (Elite) $720.0014. Industrial-Alliance Axis T10 R&C (Elite) $720.0015. National Life NL Term 10 (Elite) $720.00

$0.0016. Assumption Life T-10 Plus (Preferred NS) $730.0017. The Standard Life Term 10 (Profile 1) $735.0018. Unity Life Preferred T10 (Class B) $745.0019. Unity Life Indexed Preferred T10 (Class B) $745.0020. Reliable Life Merit T10 (Preferred Plus) $770.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 31

Premium Comparaison

50 Yr Male $250K

1. Reliable Life Merit T10 (Preferred Plus) $375.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $407.50 3. AIG Life Preferred T10 (Pref Plus NS) $415.00 4. RBC Insurance Term 10 $417.50 5. Transamerica Life TermSelect 10 R&C (Elite NS) $435.00

6. Unity Life Indexed Preferred T10 (Class A) $437.50 7. Co-operators Life Versatile 10 Year R&C (Class N1) $442.50 8. Unity Life Preferred T10 (Class B) $445.00 9. Unity Life Indexed Preferred T10 (Class B) $445.0010. The Standard Life Term 10 (Profile 1) $452.50

11. Assumption Life T-10 Plus (Elite NS) $455.0012. The Canada Life Term 10 (Diamond Plus) $460.0013. Great-West Term 10 (Super Pref) $460.0014. Co-operators Life Versatile 10 Year R&C (Class N2) $467.5015. London Life 10 Year Term Non-Par R&C (Super Pref) $470.00

16. RBC Insurance Term 10 (Class 2) $470.0017. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $475.0018. AXA Assurances(Old Rates) Term 10 (Class N1) $480.0019. Manulife Financial Family Term-10 $489.4820. Manulife Financial Business Term-10 $489.48

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 32

Premium Comparaison

50 Yr Male $500K

1. Reliable Life Merit T10 (Preferred Plus) $700.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $740.00 3. Transamerica Life TermSelect 10 R&C (Elite NS) $740.00 4. AIG Life Preferred T10 (Pref Plus NS) $755.00 5. The Canada Life Term 10 (Diamond Plus) $760.00

5. Great-West Term 10 (Super Pref) $760.00 7. Manulife Financial Business Term-10 $774.00 8. London Life 10 Year Term Non-Par R&C (Super Pref) $780.00 9. AXA Assurances(Old Rates) Term 10 (Class N1) $785.0010. RBC Insurance Term 10 $800.00

11. The Standard Life Term 10 (Profile 1) $800.0012. Unity Life Preferred T10 (Class A) $800.0013. Unity Life Indexed Preferred T10 (Class A) $800.0014. IA Pacific Life Axis T10 R&C (Elite) $815.0015. Industrial-Alliance Axis T10 R&C (Elite) $815.00

16. National Life NL Term 10 (Elite) $815.0017. Unity Life Preferred T10 (Class B) $815.0018. Unity Life Indexed Preferred T10 (Class B) $815.0019. Co-operators Life Versatile 10 Year R&C (Class N1) $845.0020. Assumption Life T-10 Plus (Elite NS) $850.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 33

Premium Comparaison

50 Yr Male $1,000K

1. Reliable Life Merit T10 (Preferred Plus) $1,350.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $1,355.00 3. Assumption Life T-10 Plus (Elite NS) $1,390.00 4. AXA Assurances(Old Rates) Term 10 (Class N1) $1,405.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $1,420.00

6. AIG Life Preferred T10 (Pref Plus NS) $1,435.00 7. The Standard Life Term 10 (Profile 1) $1,455.00 8. The Canada Life Term 10 (Diamond Plus) $1,460.00 9. Great-West Term 10 (Super Pref) $1,460.0010. Manulife Financial Family Term-10 $1,486.44

11. London Life 10 Year Term Non-Par R&C (Super Pref) $1,490.0012. Unity Life Preferred T10 (Class A) $1,525.0013. Unity Life Indexed Preferred T10 (Class A) $1,525.0014. Assumption Life T-10 Plus (Preferred NS) $1,550.0015. RBC Insurance Term 10 $1,550.00

16. Unity Life Preferred T10 (Class B) $1,555.0017. Unity Life Indexed Preferred T10 (Class B) $1,555.0018. IA Pacific Life Axis T10 R&C (Elite) $1,570.0019. Industrial-Alliance Axis T10 R&C (Elite) $1,570.0020. National Life NL Term 10 (Elite) $1,570.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 34

Premium Comparaison

50 Yr Female $250K

1. AIG Life Preferred T10 (Pref Plus NS) $295.00 2. AXA Assurances Term 10 (Class N1) $302.50 3. RBC Insurance Term 10 $305.00 4. Unity Life Preferred T10 (Class A) $317.50 5. Reliable Life Merit T10 (Preferred Plus) $325.00

6. The Canada Life Term 10 (Diamond Plus) $330.00 7. Great-West Term 10 (Super Pref) $330.00 8. RBC Insurance Term 10 (Class 2) $330.00 9. Transamerica Life TermSelect 10 R&C (Elite NS) $330.0010. Unity Life Preferred T10 (Class B) $330.00

11. Unity Life Indexed Preferred T10 (Class B) $330.0012. The Standard Life Term 10 (Profile 1) $332.5013. Co-operators Life Versatile 10 Year R&C (Class N1) $335.0014. Manulife Financial Family Term-10 $336.1215. Manulife Financial Business Term-10 $336.12

16. London Life 10 Year Term Non-Par R&C (Super Pref) $337.5017. Assumption Life T-10 Plus (Elite NS) $345.0018. Co-operators Life Versatile 10 Year R&C (Class N2) $352.5019. IA Pacific Life Axis T10 R&C (Elite) $352.5020. Industrial-Alliance Axis T10 R&C (Elite) $352.50

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 35

Premium Comparaison

50 Yr Female $500K

1. AXA Assurances(New Rates) Term 10 (Class N1) $510.00 2. AIG Life Preferred T10 (Pref Plus NS) $515.00 3. The Canada Life Term 10 (Diamond Plus) $520.00 4. Great-West Term 10 (Super Pref) $520.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $520.00

6. Manulife Financial Business Term-10 $529.20 7. London Life 10 Year Term Non-Par R&C (Super Pref) $530.00 8. AXA Assurances(Old Rates) Term 10 (Class N1) $550.00 9. IA Pacific Life Axis T10 R&C (Elite) $555.0010. Industrial-Alliance Axis T10 R&C (Elite) $555.00

11. National Life NL Term 10 (Elite) $555.0012. Unity Life Preferred T10 (Class A) $560.0013. Unity Life Indexed Preferred T10 (Class A) $560.0014. RBC Insurance Term 10 $565.0015. The Maritime Life Term Life Solutions 10 (Pref Plus) $580.00

16. Unity Life Preferred T10 (Class B) $585.0017. Unity Life Indexed Preferred T10 (Class B) $585.0018. The Standard Life Term 10 (Profile 1) $590.0019. Co-operators Life Versatile 10 Year R&C (Class N1) $600.0020. Reliable Life Merit T10 (Preferred Plus) $600.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 36

Premium Comparaison

50 Yr Female $1.000K

1. AXA Assurances(New Rates) Term 10 (Class N1) $905.00 2. AXA Assurances(Old Rates) Term 10 (Class N1) $915.00 3. AIG Life Preferred T10 (Pref Plus NS) $955.00 4. The Canada Life Term 10 (Diamond Plus) $980.00 5. Great-West Term 10 (Super Pref) $980.00

6. Transamerica Life TermSelect 10 R&C (Elite NS) $980.00 7. London Life 10 Year Term Non-Par R&C (Super Pref) $990.00 8. Manulife Financial Business Term-10 $999.00 9. Assumption Life T-10 Plus (Elite NS) $1,030.0010. Unity Life Preferred T10 (Class A) $1,045.00

11. Unity Life Indexed Preferred T10 (Class A) $1,045.0012. IA Pacific Life Axis T10 R&C (Elite) $1,050.0013. Industrial-Alliance Axis T10 R&C (Elite) $1,050.0014. National Life NL Term 10 (Elite) $1,050.0015. The Maritime Life Term Life Solutions 10 (Pref Plus) $1,070.00

16. RBC Insurance Term 10 $1,080.0017. The Standard Life Term 10 (Profile 1) $1,095.0018. Unity Life Preferred T10 (Class B) $1,095.0019. Unity Life Indexed Preferred T10 (Class B) $1,095.0020. Co-operators Life Versatile 10 Year R&C (Class N1) $1,125.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 37

Premium Comparaison

55 Yr Male 250K

1. Reliable Life Merit T10 (Preferred Plus) $575.00 2. Transamerica Life TermSelect 10 R&C (Elite NS) $625.00 3. Unity Life Preferred T10 (Class A) $625.00 4. Unity Life Indexed Preferred T10 (Class A) $625.00 5. RBC Insurance Term 10 $642.50

6. AIG Life Preferred T10 (Pref Plus NS) $645.00 7. The Standard Life Term 10 (Profile 1) $650.00 8. Unity Life Preferred T10 (Class B) $652.50 9. Unity Life Indexed Preferred T10 (Class B) $652.5010. Co-operators Life Versatile 10 Year R&C (Class N1) $662.50

11. The Canada Life Term 10 (Diamond Plus) $685.0012. Great-West Term 10 (Super Pref) $685.0013. AXA Assurances(New Rates) Term 10 (Class N1) $695.0014. Manulife Financial Business Term-10 $695.0415. London Life 10 Year Term Non-Par R&C (Super Pref) $697.50

16. Reliable Life Merit T10 (Preferred Non-Smoker) $697.5017. Co-operators Life Versatile 10 Year R&C (Class N2) $702.5018. Assumption Life T-10 Plus (Elite NS) $705.0019. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $725.0020. IA Pacific Life Axis T10 R&C (Elite) $730.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 38

Premium Comparaison

55 Yr Male $500K

1. Reliable Life Merit T10 (Preferred Plus) $1,100.00 2. Transamerica Life TermSelect 10 R&C (Elite NS) $1,105.00 3. Unity Life Preferred T10 (Class A) $1,175.00 4. Unity Life Indexed Preferred T10 (Class A) $1,175.00 5. The Standard Life Term 10 (Profile 1) $1,200.00

6. AIG Life Preferred T10 (Pref Plus NS) $1,215.00 7. Co-operators Life Versatile 10 Year R&C (Class N1) $1,220.00 8. RBC Insurance Term 10 $1,220.00 9. Unity Life Preferred T10 (Class B) $1,230.0010. Unity Life Indexed Preferred T10 (Class B) $1,230.00

11. The Canada Life Term 10 (Diamond Plus) $1,250.0012. Great-West Term 10 (Super Pref) $1,250.0013. Manulife Financial Family Term-10 $1,269.1214. Manulife Financial Business Term-10 $1,269.1215. AXA Assurances(New Rates) Term 10 (Class N1) $1,270.00

16. London Life 10 Year Term Non-Par R&C (Super Pref) $1,275.0017. Co-operators Life Versatile 10 Year R&C (Class N2) $1,300.0018. AXA Assurances(Old Rates) Term 10 (Class N1) $1,330.0019. IA Pacific Life Axis T10 R&C (Elite) $1,335.0020. Industrial-Alliance Axis T10 R&C (Elite) $1,335.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 39

Premium Comparaison

55 Yr Male $1,000K

1. Reliable Life Merit T10 (Preferred Plus) $2,150.00 2. Transamerica Life TermSelect 10 R&C (Elite NS) $2,150.00 3. Assumption Life T-10 Plus (Elite NS) $2,240.00 4. The Standard Life Term 10 (Profile 1) $2,255.00 5. Unity Life Preferred T10 (Class A) $2,275.00

6. Unity Life Indexed Preferred T10 (Class A) $2,275.00 7. AXA Assurances(New Rates) Term 10 (Class N1) $2,335.00 8. AIG Life Preferred T10 (Pref Plus NS) $2,355.00 9. Co-operators Life Versatile 10 Year R&C (Class N1) $2,365.0010. Unity Life Preferred T10 (Class B) $2,385.00

11. Unity Life Indexed Preferred T10 (Class B) $2,385.0012. The Canada Life Term 10 (Diamond Plus) $2,390.0013. Great-West Term 10 (Super Pref) $2,390.0014. Manulife Financial Family Term-10 $2,424.3615. Manulife Financial Business Term-10 $2,424.36

16. RBC Insurance Term 10 $2,430.0017. London Life 10 Year Term Non-Par R&C (Super Pref) $2,440.0018. AXA Assurances(Old Rates) Term 10 (Class N1) $2,445.0019. Assumption Life T-10 Plus (Preferred NS) $2,510.0020. Co-operators Life Versatile 10 Year R&C (Class N2) $2,525.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 40

Premium Comparaison

55 Yr Female $250K

1. Reliable Life Merit T10 (Preferred Plus) $407.50 2. RBC Insurance Term 10 $432.50 3. Unity Life Preferred T10 (Class A) $450.00 4. Unity Life Indexed Preferred T10 (Class A) $450.00 5. AIG Life Preferred T10 (Pref Plus NS) $455.00

6. Transamerica Life TermSelect 10 R&C (Elite NS) $462.50 7. The Standard Life Term 10 (Profile 1) $472.50 8. Unity Life Preferred T10 (Class B) $475.00 9. Unity Life Indexed Preferred T10 (Class B) $475.0010. Co-operators Life Versatile 10 Year R&C (Class N1) $482.50

11. The Canada Life Term 10 (Diamond Plus) $497.5012. Great-West Term 10 (Super Pref) $497.5013. Manulife Financial Family Term-10 $504.8414. Manulife Financial Business Term-10 $504.8415. Assumption Life T-10 Plus (Elite NS) $505.00

16. London Life 10 Year Term Non-Par R&C (Super Pref) $507.5017. AXA Assurances Term 10 (Class N1) $510.0018. Co-operators Life Versatile 10 Year R&C (Class N2) $510.0019. RBC Insurance Term 10 (Class 2) $515.0020. Reliable Life Merit T10 (Preferred Non-Smoker) $520.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 41

Premium Comparaison

55 Yr Female $500K

1. Reliable Life Merit T10 (Preferred Plus) $765.00 2. RBC Insurance Term 10 $815.00 3. Unity Life Preferred T10 (Class A) $825.00 4. Unity Life Indexed Preferred T10 (Class A) $825.00 5. AIG Life Preferred T10 (Pref Plus NS) $835.00

6. Transamerica Life TermSelect 10 R&C (Elite NS) $845.00 7. The Standard Life Term 10 (Profile 1) $860.00 8. The Canada Life Term 10 (Diamond Plus) $865.00 9. AXA Assurances(New Rates) Term 10 (Class N1) $865.0010. Great-West Term 10 (Super Pref) $865.00

11. London Life 10 Year Term Non-Par R&C (Super Pref) $875.0012. Unity Life Preferred T10 (Class B) $875.0013. Manulife Financial Family Term-10 $876.1214. Manulife Financial Business Term-10 $876.1215. Co-operators Life Versatile 10 Year R&C (Class N1) $900.00

16. AXA Assurances(Old Rates) Term 10 (Class N1) $915.0017. IA Pacific Life Axis T10 R&C (Elite) $920.0018. Industrial-Alliance Axis T10 R&C (Elite) $920.0019. National Life NL Term 10 (Elite) $920.0020. Assumption Life T-10 Plus (Elite NS) $950.00

Company Product Initial Premium

Corporate presentation - Corporate Internal Communications - 10/04/23 - 42

Premium Comparaison

55 Yr Female $1,000K

1. Reliable Life Merit T10 (Preferred Plus) $1,480.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $1,555.00 3. Transamerica Life TermSelect 10 R&C (Elite NS) $1,560.00 4. Unity Life Preferred T10 (Class A) $1,575.00 5. RBC Insurance Term 10 $1,580.00

6. AIG Life Preferred T10 (Pref Plus NS) $1,595.00 7. AXA Assurances(Old Rates) Term 10 (Class N1) $1,605.00 8. The Standard Life Term 10 (Profile 1) $1,605.00 9. The Canada Life Term 10 (Diamond Plus) $1,630.0010. Great-West Term 10 (Super Pref) $1,630.00

11. Assumption Life T-10 Plus (Elite NS) $1,650.0012. London Life 10 Year Term Non-Par R&C (Super Pref) $1,650.0013. Manulife Financial Family Term-10 $1,656.7214. Manulife Financial Business Term-10 $1,656.7215. Unity Life Preferred T10 (Class B) $1,675.00

16. Unity Life Indexed Preferred T10 (Class B) $1,675.0017. Co-operators Life Versatile 10 Year R&C (Class N1) $1,725.0018. IA Pacific Life Axis T10 R&C (Elite) $1,780.0019. Industrial-Alliance Axis T10 R&C (Elite) $1,780.0020. National Life NL Term 10 (Elite) $1,780.00

Company Product Initial Premium