KWIK Enrollment Mortgage Advantage Life & Critical Illness up to $500,000

Two plans are available to people aged 18 to 65 for 10, 15, 20, 25 and 30 year terms, on an Individual and Joint-First-To-Die basis:

1. KWIK Enrollment MortgageAdvantage Life & Accidental Injury Critical Illness covers:
   • Life Insurance with coverage up to $500,000;
   • Accidental Injury Critical Illness with coverage up to $250,000 for: Blindness, Deafness, Loss Of Speech, Loss Of Limbs, Paralysis, Coma and Major Burns.

1. KWIK Enrollment MortgageAdvantage Life & Critical Illness Plus covers
   • Life Insurance with coverage up to $500,000;
   • Accidental Injury Critical Illness Insurance covers up to $250,000 (same illnesses as above);
   • Critical Illness Insurance with coverage up to $250,000 for Heart Attack, Cancer and Stroke;
   • Level Benefit Rider: Available to ages 18-60; Expires at earlier of age 75 or end of Policy Term; Benefit remains level to expiry of Policy Term; Premiums are Guaranteed Level for duration of Term;
   • Waiver Of Premium On Disability Rider: Available to ages 18-60; Expires the earlier of age 65 or end of Policy Term; No Premium paid if insured is totally disabled ( see Policy Definition); Rates for Males and Females are 10% and 15% of Base Rates, respectively;
   • Accidental Death Benefit Rider: Available to ages 18-60; Expires at earlier of age 70 or end of Policy Term; Benefit payable upon accidental death of the insured;
   • Fracture/Dislocation Benefit Rider: Available to ages 18-65; Expires at earlier of age 75 or end of Policy Term; See Schedule of Benefits for covered fractures and dislocations; First (not recurring) dislocation paid.

Nine Simple Reasons

1. CONTROL: You own the policy. Benefits are payable to you or your Beneficiary...NOT the Bank.
2. SMART: You can choose to pay the same annual premiums for a Level Benefit instead of paying the same premiums for a Decreasing Benefit.
3. COMPREHENSIVE COVERAGE: All key eventualities are covered: Accident, Sickness and Death.
4. GUARANTEED: Premiums are guaranteed to remain level for theTerm of the Policy.
5. FLEXIBILITY: Convert to Permanent Life Insurance with no medical evidence.
6. SOLID: Neither an increase in interest rates upon mortgage renewal nor a change in lending institutions will affect your coverage.
7. CHOICE: Choose your Plan; Choose you Term of coverage; Choose your beneficiary or assign as you require.
8. COMFORT: Underwriting is completed at time of application, not at time of claim.
9. VERSATILE: Coverage can be used for other needs. Proof of Mortgage NOT necessary.

Mortgage Advantage vs. Bank Insurance