ILLUSTRATION REPORT

Traditional Insurance

Prepared for:
CLIENT 2

Prepared by:
JITENDRA PANDA

Prepared on: September 19, 2023 - 06:47 PM

[p::Traditionnel][dp::September 19, 2023 - 06:47 PM][di::September 20, 2023 - 08:59 AM]

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Traditional Life Insurance

To protect what's important to you, Traditional Life Insurance offers personalized coverage that evolves with your needs. Whether
you're looking for simple coverage or coverage that adapts over time, you'll find temporary and permanent solutions to meet you
and your family's every need. In addition, your premiums and coverage amounts are fully guaranteed. The range of optional
benefits that you can add to your policy allows you to personalize your protection even more.

Along with providing you peace of mind, Traditional Life Insurance lets you:
- Ensure your financial commitments are taken care of
- Protect your family’s lifestyle in the event of premature illness or death
- Cover death-related expenses
- Leave an inheritance or protect your estate

Term Life Insurance

Term Life Insurance is an affordable solution that pays an insurance amount in the event of death. This type of coverage is
particularly interesting of you have a mortgage, or if you have younger children and want to provide a source of income
replacement while they're still at home. Term Life Insurance offers beneficial coverage that is specially designed to ensure your
family's financial security for a specific period of time.

Term Life Insurance offers the following advantages:

Lower cost: If you need insurance for a specific period of time, Term Life Insurance is the
Affordable
most affordable solution.

Renewable & Convertible: You can renew your initial coverage or convert it to permanent
life insurance, based on your needs, without having to provide medical information.
Flexible
Coverage period: You can choose a coverage period from 10 to 40 years.

You have two options for your coverage amount:

Level: Your coverage amount remains leveled for the entire coverage period.
Adapted to your needs
Decreasing to 50%: Your coverage amount decreases progressively, but you maintain a
minimum that equals 50% of your initial coverage. The decrease is similar to that of a
mortgage balance.

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Summary of Coverages

Prepared By
JITENDRA PANDA

Work Phone: (604)431-6707

Applicants
IMPORTANT NOTICE
CLIENT 2 - Male
The information found on this page corresponds to the
Tobacco use: No personal data of the applicants, the insureds, as well as the
Birth Date: August 12, 1987 requested coverages. Since this data is used for
Insurance Age: 36 years underwriting purposes, it is very important to check its
accuracy and inform your advisor of any correction to be
made.
Province: British Columbia
Marginal tax rate: 53.50%

Insureds

CLIENT 2 - Male
Tobacco use: No
Birth Date: August 12, 1987
Insurance Age: 36 years

Coverage Type: Individual

Insured Person Coverages Amount Monthly premium

Pick-A-Term 20 years $1,000,000.00 $58.50
- Premium payment period before renewal: 20 years
- Maximum period including renewals: For life
- Projected period as per illustration: 20 years
Total monthly premium $58.50

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Summary of Coverages

Premiums Details
First-year Monthly Premiums
Premium (excluding fees) $58.50
Policy fees $5.40
Total premium (1st year) $63.90

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Renewal Premiums

Your term coverage protects you for a defined period. To help you keep the advantages of your insurability, your policy
provides for the automatic renewal of this coverage per the terms below:
- The policy will renew automatically at the end of the coverage;
- The premium at renewal is guaranteed for the duration of the policy;
- The renewal premium does not include policy fees.

IMPORTANT NOTICE

We recommend that you contact your financial security advisor to reassess your needs:
- At the end of the projected period* as per the illustration;
- When the coverage expires.
*The projected period as per the illustration may be different from the coverage period.

Coverage: Pick-A-Term 20 years

Amount: $1,000,000.00
Insured: CLIENT 2

Year Monthly premium

21 $433.80
22 $477.90
23 $523.80
24 $581.40
25 $646.20
26 $719.10
27 $802.80
28 $895.50
29 $1,001.70
30 $1,120.50
31 $1,257.30
32 $1,408.50
33 $1,580.40
34 $1,773.90
35 $1,989.90
36 $2,231.10
37 $2,500.20
38 $2,800.80
39 $3,132.00
40 $3,499.20
41 $3,904.20
42 $4,347.00
43 $4,836.60
44 $5,368.50

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Renewal Premiums

Coverage: Pick-A-Term 20 years

Amount: $1,000,000.00
Insured: CLIENT 2

Year Monthly premium

45 $5,951.70
46 $7,398.00
47 $8,843.40
48 $10,288.80
49 $11,735.10
50 to 64 $13,182.30

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Coverage summary

Coverages for: CLIENT 2

Total Annual Life Insurance Total Accumulated

Year Age
Premiums Amount Premiums Paid

1 37 $766.80 $1,000,000 $766

2 38 $766.80 $1,000,000 $1,533
3 39 $766.80 $1,000,000 $2,300
4 40 $766.80 $1,000,000 $3,067
5 41 $766.80 $1,000,000 $3,834
6 42 $766.80 $1,000,000 $4,600
7 43 $766.80 $1,000,000 $5,367
8 44 $766.80 $1,000,000 $6,134
9 45 $766.80 $1,000,000 $6,901
10 46 $766.80 $1,000,000 $7,668
11 47 $766.80 $1,000,000 $8,434
12 48 $766.80 $1,000,000 $9,201
13 49 $766.80 $1,000,000 $9,968
14 50 $766.80 $1,000,000 $10,735
15 51 $766.80 $1,000,000 $11,502
16 52 $766.80 $1,000,000 $12,268
17 53 $766.80 $1,000,000 $13,035
18 54 $766.80 $1,000,000 $13,802
19 55 $766.80 $1,000,000 $14,569
20 56 $766.80 $1,000,000 $15,336
21 57 $0.00 $0 $15,336
22 58 $0.00 $0 $15,336
23 59 $0.00 $0 $15,336
24 60 $0.00 $0 $15,336
25 61 $0.00 $0 $15,336
26 62 $0.00 $0 $15,336
27 63 $0.00 $0 $15,336
28 64 $0.00 $0 $15,336
29 65 $0.00 $0 $15,336
30 66 $0.00 $0 $15,336
31 67 $0.00 $0 $15,336
32 68 $0.00 $0 $15,336
33 69 $0.00 $0 $15,336
34 70 $0.00 $0 $15,336
35 71 $0.00 $0 $15,336
36 72 $0.00 $0 $15,336
37 73 $0.00 $0 $15,336
38 74 $0.00 $0 $15,336
39 75 $0.00 $0 $15,336

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Coverage summary

Coverages for: CLIENT 2

Total Annual Life Insurance Total Accumulated

Year Age
Premiums Amount Premiums Paid

40 76 $0.00 $0 $15,336
41 77 $0.00 $0 $15,336
42 78 $0.00 $0 $15,336
43 79 $0.00 $0 $15,336
44 80 $0.00 $0 $15,336
45 81 $0.00 $0 $15,336
46 82 $0.00 $0 $15,336
47 83 $0.00 $0 $15,336
48 84 $0.00 $0 $15,336
49 85 $0.00 $0 $15,336
50 86 $0.00 $0 $15,336
51 87 $0.00 $0 $15,336
52 88 $0.00 $0 $15,336
53 89 $0.00 $0 $15,336
54 90 $0.00 $0 $15,336
55 91 $0.00 $0 $15,336
56 92 $0.00 $0 $15,336
57 93 $0.00 $0 $15,336
58 94 $0.00 $0 $15,336
59 95 $0.00 $0 $15,336
60 96 $0.00 $0 $15,336
61 97 $0.00 $0 $15,336
62 98 $0.00 $0 $15,336
63 99 $0.00 $0 $15,336
64 100 $0.00 $0 $15,336

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Illustration Notes

Results
- This illustration is not part of the contract.
- All values appearing in the report tables are calculated at the end of the policy year.
- For illustration purposes, renewable term coverages and additional protections are projected to the end of the specified period.
- The product as shown is exempt under the Income Tax Act currently in force. Note that the Act can be changed at any time.

Guarantees
- This illustration is not an insurance contract or an offer of insurance. In case of discrepancy, the insurance contract prevails.
- This illustration report is not designed to provide professionnal or legal advice.
- The premium at issue is guaranteed for the duration of the contract.
- The death benefit amounts are guaranteed per the terms of the contract.
- Please note that the applicant may cancel the coverage shown at any time.

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iA Financial Group

Founded in 1892, iA Financial Group offers a full line of life and health insurance
products, savings and retirement plans (RRSPs, TFSAs, etc.), mutual and segregated
funds, securities, auto and home insurance, mortgages, auto loans and other financial
products and services.

iA Financial Group strives to offer the best possible client experience, making it quick
and easy for you to do business with us.

Our company is publicly listed and is one of the largest insurance companies in
Canada, managing and administering billions in assets.

INVESTED IN YOU.
iA Financial Group is a business name and trademark of
Industrial Alliance Insurance and Financial Services Inc. ia.ca