Prepared for:

By:

New Dad

XXX XX

July 2, 2014

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

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Your child’s dreams are your dreams too

You want to do everything that is within your power to help your child's dreams come true.

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A little planning today can go a long way to ensure that tomorrow’s challenges

can be overcome and dreams will come true.

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Harmony New Generation will make the difference with more than 31 conditions covered.

If your child

is diagnosed with a critical illness

Due to advances in medical treatment,

your child will survive.

During a serious illness what does your child want most?

You, at their side

With Harmony New Generation You will be there to help Take time away from work Seek the best diagnosis and medical treatment without delay Get the help you need Minimize the psychological and financial impact And ensure your child’s wishes will come true

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While unlikely, it is possible that your child

could die prematurely

Because your family will need you,

you must survive.

With financial assistance from

Harmony New Generation you will be able to afford to take some time away from work to give your family what they need most:

time with you Only then, will you be ready to deal with the most difficult

period of your life. You will be comforted in knowing that you had the financial

resources to do everything in your power to help your child and your family during their time of great need.

Time to grieve your loss with your family will allow you to revaluate your priorities, take stock of your life, and consider lifestyle and professional career changes

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If your child

remains healthy…

Your child's hopes, ambitions and dreams will be within reach.

With Harmony New Generation you will have tax-free cash to help your child: Pay for higher education Purchase their first home Start a new business Relocate to a job Fulfill their dreams…and your dreams too

As your child moves into adulthood, you can choose to give Harmony New Generation as a gift to your child … Maintaining Critical Illness protection acquired in childhood can:

Offer protection against becoming uninsurable Be the foundation of a strong financial plan Provide help in case of a serious illness in the future

Quickly confirm a diagnosis Seek out the best treatment plans Provide support during recovery and rehabilitation

Protect your child's savings, retirement dreams and family lifestyle

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Harmony New Generation

Prepared for New Dad

Assumptions

Female, Age 0, Regular

Option 31 Illnesses covered

20 years premiums payment

Return of premiums: 100% at 20th anniversary

ROP Death - 100 % of insurance amount

Insurance amount: $100,000

Monthly premium: $103.14

Life Insurance

TotalLife 20 Insurance amount: $75,000

TotalTerm 20 Insurance amount: $25,000

$40.55Monthly premium:

"I attest that these assumptions are reflective of the information taken from the attached product illustration

that should be used as an integral part of this document. I also certify that the results of this concept are taken

from the product illustration that was provided to the client."

Representative's signature

Total premium : $143.69

This illustration is complete only if all the pages are included and it is accompanied by the appropriate

Desjardins Financial Security product illustration. It was prepared for information purposes only and is

not, and will not be, an integral part of any policy.

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Plus… Extra help is just a phone call away

Prompt Recovery Free assistance services

Before, During and After Medical Treatment

Interconsultation™ “Is the Diagnosis right? What would be the best treatment to insure the recovery of my child?”

A team of medically acknowledged experts work with your personal doctor to confirm the diagnosis and establish the best possible treatment plan.

FindBestDoc™ “Can you refer me to the best specialist in my country?” A database of 50,000 leading international and Canadian specialists allows Best Doctors to guide you to the best specialists and health centres in your area or abroad.

FindBestCare® ”I would like to bring my child to New York to see a specialist, how do I proceed?”

Specialists will take charge of the different steps related to your child's admission to a health care facility.

Assistance Services

Reassurance A healthcare professional to talk to.

“I will need some help to get through this… can you help me?”

At any time … Call right now! Psychological Assistance A psychologist who listens to you.

"My son has cancer, how can he deal with other children at school?”

Domestic Assistance

To answer your questions on daily and domestic issues.

“I'm looking for a soccer team for my child…can you find one near my home?"

Referrals Experts to guide you through your child's medical steps.

“Can you refer me to a clinic that can give my child medical care without waiting?”

Legal Assistance To help you deal with any legal issues and questions.

"My daughter broke my neighbour's window while she was playing baseball, what are my rights?”

Case Management Specialists to organize the services you need.

“Could you refer a baby sitter near me who can take care of my other child?”

InterConsultation, FindBestDoc and FindBestCare are registered trademarks of Best Doctors, Inc in the United States and in other countries, and are used under license.

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In case of critical illness

In case of death

Harmony New Generation

Guarantees payment of a lump-sum benefit!

New Dad

New Dad

100,000

200,000

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If your child stays healthy, cash to realize their dreams:

New Dad

New Dad

New Dad

At age 17

At age 21

At age 25

After 5 years, you can cancel the policy and receive tax-free cash equivalent to 25% of the premiums paid.

After 10 years, 50% of the premiums paid

After 20 years, 100% of the premiums paid!

With Harmony New Generation you can ensure that today’s challenges can be overcome and

dreams will come true.

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Appendix A

Here are the benefits you will receive…

In case of critical illness

$100,000

In case of death

Return of premium at death Life Insurance Total

$100,000

$100,000

$100,000

$100,000

$100,000

$100,000

$100,000

$100,000

$100,000

$100,000

$100,000

$100,000

$200,000

$200,000

$200,000

$200,000

$200,000

$200,000

Age

5

10

15

20

25

30

To fullfil your child's dreams

Life Insurance

(Cash surrender values)Total

$2,228

$7,488

$15,842

$24,754

$24,754

$24,754

$2,562

$8,576

$19,031

$31,909

$32,734

$33,274

$334

$1,088

$3,189

$7,155

$7,980

$8,520

AgeReturn of premium

(100% at 20th anniversary)

5

10

15

20

25

30

*

* The cash surrender values in the above chart may be taxable. However, the return of premium (at death) is not taxable.

Appendix A

Multi-Coverage Discount - Summary

Without the Multi-Coverage Discount…

Product Monthly Premium

PrimeCritical Ilness Insurance @Cout_avant_rabais_Freq $103.14

TotalPermanent Life Insurance @Cout_avant_rabais_Freq $37.71

TotalTerm Life Insurance @Cout_avant_rabais_Freq $7.65

TotalTotal @Cout_avant_rabais_Freq $148.50

With the Multi-Coverage Discount…

Product Monthly Premium

PrimeCritical Ilness Insurance @Cout_apres_rabais_Freq $103.14

TotalPermanent Life Insurance @Cout_apres_rabais_Freq $35.15

TotalTerm Life Insurance @Cout_apres_rabais_Freq $5.40

TotalTotal @Cout_apres_rabais_Freq $143.69

Total

Total Without the Multi-coverage Discount

With the Multi-coverage Discount

Difference in the premiums

$148.50

$143.69

$4.81

Monthly Premium

Difference in the premiums…

Difference in the premiums

The Desjardins Financial Security Multi-Coverage Discount allows

you to save $57.72 per year!

The Multi-coverage discount SUPERSIZE your protection and save your money!