This Summary of Plans briefly describesproducts available through the Canadian BarInsurance Association (CBIA) and CBA FinancialServices (CBAF). It does not constitute as partof any contract. For more details on anyproducts or services available through theCBIA please contact your local CBIA SalesRepresentative or our Head Office or visitwww.barinsurance.com.

Term Life, Permanent Life, Accident, CriticalIllness, Disability, Business Overhead Expenses,Individual Health, Retiree Health, and TravelMedical underwritten by The ManufacturersLife Insurance Company (Manulife Financial).

Bar Group underwritten by Desjardins FinancialSecurity.

Home and Auto insurance underwritten bySecurity National and administered byTD Insurance Meloche Monnex.

Office Contents underwritten by AXA.

Outside Directorship Liability Insuranceunderwritten by Lloyds of London andadministered by Dion, Durrell & Associates.

The CBAF Retirement Savings Plan (RRSP) isprovided through Manulife Financial GroupSavings and Retirement Solutions, a businessunit operated within Manulife Financial (TheManufacturers Life Insurance Company).Investment Management Fees are associatedwith any segregated funds offered throughthis plan. Investment performance is notguaranteed and can vary. Visitwww.barfinancial.com.

Banking Services provided by Manulife Bank.

For more information:

please visit www.barinsurance.comor call1-800-267-CBIA (2242)

INSURANCE PLANS of the

C A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

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THE CBIA ADVANTAGESC A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

THECBIAADVANTAGES

This brochure provides a briefoverview of the products andbenefits offered by The CanadianBar Insurance Association. Moredetailed information is availableon our website,www.barinsurance.com or bycontacting your local CBIA SalesRepresentative at 1-800-267-2242.

About the CBIAThe CBIA arranges for insuranceprotection of legal professionals,law firm staff, and their families.We are staffed and managed byinsurance industry experts withassistance from actuarial advisorsand our underwriting insurers. ABoard of Directors comprised of 24lawyers from across Canada over-sees our operations to ensure thatall activities are in the best interestsof members of the legal profession.As a result, more than 30,000people trust the CBIA with theirinsurance protection.

The CBIA AdvantagesAll products available through theCBIA have been designed andarranged specifically for legal pro-fessionals, law firm staff, and theirfamilies. CBIA clients enjoy manybenefits not normally provided byother companies, including:

Low rates: CBIA rates are estab-lished with a break-even goal.This allows us to offer you insur-ance at a cost that may be muchlower than other comparable prod-ucts without compromising thequality of your protection.

Another way we help lower yourinsurance costs is to charge a ratethat continually reflects yourattained age and our overall planexperience. This results in regularadjustments over time. While wecannot guarantee future rate adjust-ments, historically, our conservativemanagement approach has allowedus to lower costs or improve bene-fits without increasing rates formost of our clients.

Shared success: CBIA clients sharein our success. Although we attemptto set our rates at break-even levels,occasionally our experience willexceed our long-term requirements.This would be kept as profit byother insurance providers but we

share this success with our cus-tomers. While we can’t guaranteethe future, in the last decade mostCBIA clients have benefited from acombination of over $25,000,000 inreturned premiums, rate reductionsand improved benefits.

Built-in features: Many CBIA planshave very important benefits builtinto the contract that other compa-nies may charge an additionalpremium for. For example, our TermLife plan includes a benefit that willpay your premiums in the event thata serious illness or accident rendersyou unable to work. Our Disabilitycoverage will increase your monthlypayment to offset annual inflationwhen you are receiving disabilitybenefits.

Guaranteed protection that stayswith you: CBIA Life and Disabilityprotection can be kept in force evenif you leave the profession.

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Level 80 Term LifeThe death of a family member canbe devastating and the situation canbe much worse if that death leavesthe family financially unstable. Howwould your family hold up if youand your income were suddenlyand unexpectedly gone?

Level 80 Term Life is ideal for see-ing your family’s goals through inthe event of your premature death.The proceeds from this protectioncan be used to cover the costs ofmortgage retirement, universityfund completion, and income foryour spouse and children.

Our Term Life plan can also helpto organize your business affairs.Partnership agreements can befunded for a fraction of the value inthe event of the death of a partner.In addition, business loans may besecured by assigning your coverageto your lenders.

Permanent LifeNot all of the reasons that youshould have life insurance end atage 80. Insurance can be a valuabletool when planning your estate.Whether your goal is to protect yourestate from income tax erosion,leave a legacy for your heirs, ormake a charitable bequest, CBIAPermanent Life will continue toprovide benefits regardless of whendeath occurs.

Permanent Life offers a guaranteedamount of life insurance protectionfor life. Premiums are guaranteednever to increase and are payablefor 20 years or to age 65, whicheveris longer. This coverage also has aguaranteed cash surrender valueupon the end of the premiumpaying period.

LIFE INSURANCEC A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

LIFEINSURANCE

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DISABILITY INSURANCEC A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

DISABILITYINSURANCE

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Disability Income InsuranceDid you know that more Canadianfamilies lose their home because anincome earner becomes disabledthan lose their home because thatsame person dies? Did you alsoknow that the odds of suffering adisability rather than dying beforeretirement are 3 to 1? If you wereunable to work, due to illness orinjury, where would the money topay your bills come from? Considerthe devastating impact that losingyour long-term ability to earn anincome will have on you and yourfamily.

With disability income protectionyou can take comfort in the securityof knowing that you will continue toreceive an income if, due to illnessor injury, you are unable to work. Inthe event of certain losses, such asyour eyesight or hearing, you mayalso receive benefits even if the lossdoesn’t render you unable to work.

In addition, CBIA Disability IncomeInsurance includes importantbenefits such as Cost of LivingAdjustments to offset the ravagesof inflation in the event that you aredisabled for a long period of time.Partial/Residual Disability benefitsare also included and pay a partialbenefit if your disability keeps youfrom working full-time or leaves youable to earn only a portion of yourincome. Many other companiescharge an extra premium for theseimportant benefits that we believeyou shouldn’t be without.

Business Expense DisabilityIncome InsuranceIf you are a sole practitioner or apartner in a small firm, a long-termdisability won’t only affect you andyour family, it can also mean catas-trophe for your business. If youcan’t work, how will your practiceearn the income required to payyour business expenses, includingyour employees’ salaries?

CBIA Business Overhead Expenseprotection helps cover the costs ofrunning your firm until you canreturn to work. It also helps offsetthe costs of closing your firm in theevent of a more permanent long-term disability. In certain instances,the premium may be a taxdeductible business expense.

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Critical Illness RiderMore and more often people aresurviving serious illnesses such asa heart attack, stroke, or cancer. Butsometimes surviving an illness canlead to additional expenses or achange in lifestyle. Many peoplefind that their priorities changeafter surviving an illness; they wantto work less and spend more timewith their loved ones. CriticalIllness insurance was designedto help you meet those needs.

The CBIA Critical Illness rider isavailable only as an additionalbenefit to your CBIA Level 80 TermLife plan. Critical Illness insuranceprovides you with a lump sumpayment in the event you arediagnosed with and survive any oneof a list of specified illnesses. Thisbenefit can help to offset the costof surviving and treating your ill-ness or you can use it to enhanceyour lifestyle during and after yourillness. The choice on how to spendthe proceeds is yours.

Accident InsuranceAn accident, by definition, is unex-pected and it can bring addedexpenses over and above yourincome loss or what your privatemedical insurance may cover. Doesyour family have the resources topay for these additional expensesand maintain their lifestyle duringthis difficult time?

This economical plan pays a benefitfor death; loss of sight, hearing orspeech; loss of, or loss of use of, alimb or hand; loss of a foot; andcertain types of paralysis, whenthese events are the result of anaccident.

Travel Medical Insurance PlanIf you are planning on travelingoutside of your home province forbusiness or pleasure, you shouldbe aware that Provincial HealthCare plans provide limited protec-tion. A serious injury or illnessoutside of Canada can cost youtens of thousands of dollars inemergency medical care.

Available as individual or familycoverage, the CBIA’s Travel MedicalPlan is a very cost effective,convenient, and worry-free way toensure medical coverage when youtravel.

ACCIDENT&ILLNESS

ACCIDENT & ILLNESSC A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

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HEALTH,DENTAL&GROUP

HEALTH, DENTAL & GROUPC A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

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Individual Extended Health CareBeing self-employed or a member ofa small firm does not mean that youhave to sacrifice the peace of mindnormally associated with grouphealth benefits. Individual HealthCare coverage can provide youand/or your family with protectionagainst devastating medical events,as well as help you with day-to-daycosts not covered by your ProvincialHealth Care plan.

This plan can help you with thecosts of prescription drugs, hospitalservices and even dental care.

Retiree Health and Dental PlanThe Retiree Health and Dental planallows CBA members and law firmemployees to continue their healthand dental protection on an individ-ual basis when they lose their grouphealth coverage due to retirement orage restrictions. This plan allowsthe retiree to continue to have abroad range of health and dentalbenefits, although the benefitsunder this plan may be differentfrom the benefits under your groupplan.

There are no medical requirementsto qualify for this plan providedyour application is received within60 days of the date on which youlose your existing benefits.

Bar Group PlanThe CBIA Bar Group Insurance planis designed specifically for theunique needs of small law firmswith benefits typically only avail-able to larger employers. This plancan provide your firm with a selec-tion of Life, Accidental Death, Long-Term Disability, Extended Health,Dental and Vision care benefits.

Available to groups of three to ninepeople, the CBIA Bar Group plancan help small firms control theircosts and help attract and retainquality employees. Couple a BarGroup Insurance plan with a CBAFinancial group RRSP to show youremployees just how much youappreciate them.

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CBAFINANCIALSERVICES

(CBAF)

CBA FINANCIAL SERVICES (CBAF)C A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

CBA Financial Services (CBAF)was formed through the combinedefforts of the Canadian BarInsurance Association and theCanadian Bar Association to pro-vide lawyers, their families, andlaw firm staff with superior finan-cial and investment services at thelowest possible cost.

CBAF RRSPs and other benefits areavailable with the assistance of yourAuthorized CBIA SalesRepresentative or by visitingwww.barfinancial.com.

Tax Free Savings Accounts (TFSA)Billed as the single most importantpersonal savings vehicle since theintroduction of the RRSP, a Tax FreeSavings Account allows you toinvest your money, up to an annualmaximum, and never pay tax on thegrowth! A TFSA is the perfect way tomaximize your savings for bothshort-term and long-term goals.

RRSPs for Individuals & Law FirmsWe would all like to retire in com-fort. CBAF can help you achieveyour retirement dreams. We offera wide selection of investmentchoices at different risk levels tohelp you build a retirement portfo-lio that you can be comfortablewith.

To help you grow your savings,we’ve negotiated lower than retailInvestment Management Fees(IMFs). Additional discounts willalso apply if you’re a CBA memberor if your account qualifies for ourMember Loyalty program.

Lower fees mean more of yourmoney is working for you.

Banking ServicesWe can’t avoid the fees that we payfor day-to-day banking needs suchas chequing accounts, RRSP loans,mortgages, and other bankingproducts, but we can reduce them.We have negotiated special CBAFpricing for these services throughan arrangement with ManulifeBank of Canada.

Professional Financial AdviceThere are so many investmentoptions, how do you know whichones are the right ones to help youachieve your goals? TE FinancialConsultants Ltd. provides fee-basedfinancial planning services at adiscount to members of Canada’slegal profession and their families.

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OTHERBENEFITS

OTHER BENEFITSC A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

Home and AutoThe CBIA has arranged for signifi-cant savings on Home and Autoinsurance for CBA members and lawfirm staff, from TD InsuranceMeloche Monnex.

In addition to preferred group rates,you can benefit from claims-freeand multi-vehicle discounts of 10%or more. You can also save an addi-tional 5% if you insure both yourhome and car with TD InsuranceMeloche Monnex.

For further details and a free, noobligation quote, please call1-877-995-9906 or visitwww.tdmelochemonnex/cbia.

Outside Director’s LiabilityThis insurance provides excessinsurance coverage for lawyers whosit as Directors on Boards outsideof their partnership or employmentassociation. This insurance providesvaluable protection when the lawyersitting as an Outside Director is nottotally indemnified by the corpora-tion and/or other insurance is notavailable to indemnify Directors.

For further details and a free, noobligation quote, call:Joseph D. TontiniDion, Durrell & Associates Inc.(416) 408-5287 or 1-800-268-9484

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This Summary of Plans briefly describesproducts available through the Canadian BarInsurance Association (CBIA) and CBA FinancialServices (CBAF). It does not constitute as partof any contract. For more details on anyproducts or services available through theCBIA please contact your local CBIA SalesRepresentative or our Head Office or visitwww.barinsurance.com.

Term Life, Permanent Life, Accident, CriticalIllness, Disability, Business Overhead Expenses,Individual Health, Retiree Health, and TravelMedical underwritten by The ManufacturersLife Insurance Company (Manulife Financial).

Bar Group underwritten by Desjardins FinancialSecurity.

Home and Auto insurance underwritten bySecurity National and administered byTD Insurance Meloche Monnex.

Office Contents underwritten by AXA.

Outside Directorship Liability Insuranceunderwritten by Lloyds of London andadministered by Dion, Durrell & Associates.

The CBAF Retirement Savings Plan (RRSP) isprovided through Manulife Financial GroupSavings and Retirement Solutions, a businessunit operated within Manulife Financial (TheManufacturers Life Insurance Company).Investment Management Fees are associatedwith any segregated funds offered throughthis plan. Investment performance is notguaranteed and can vary. Visitwww.barfinancial.com.

Banking Services provided by Manulife Bank.

For more information:

please visit www.barinsurance.comor call1-800-267-CBIA (2242)

INSURANCE PLANS of the

C A N A D I A N B A R I N S U R A N C E A S S O C I A T I O N

For Lawyers, by LawyersWWW. B A R I N S U R A N C E . COM