Special Point of

Interest:

Insurance

software update

Insurance

Application

forms

PPG Updates &

Housekeeping

Insurance

Products

Highlights

PPG Newsletter 2016

May 1

Current software version: 32.1

Current software version: Concourse 2.5

Current software version: 15.8 Fusion Menu:7.0

Current software version: 10.3

Current software version: 2016-1

Current software version: 4.2.0

Current software version: 7.9.2

Current software version: 11.2

(previously Transamerica)

Current software version: Life: 15.8

Current software version: 9.3

Current software version: 5.0

Current software version: 6.8

Updated Software versions are in RED

Please note that any new software updates are highlighted in RED color.

INSURANCE.FINANCIAL.REAL ESTATE

#555-650 West 41st Ave. Vancouver, B.C. V5Z 2M9 Tel: 604-267-1833 Fax: 604-872-8896

“Knowing is not

enough; we must

apply. Willing is

not enough; we

must do.”

- Johann Wolfgang

von Goethe.

Life Insurance Software Update

Important Notice to All AdvisorsImportant Notice to All AdvisorsImportant Notice to All Advisors

Effective Apr 1, 2016, all applications submitted will require new version of agent/client disclosure form. It can be downloaded at Virtgate (Useful Link). Old version will not be accepted after May 1, 2016. Applications will be returned to the advisor if no disclosure form is submitted. No medical will be ordered for clients without applications received by PPG. Application Date should be dated before Medical Completion Date due to privacy disclo-sure and compliance reason. We should not share any client info with the paramedical company nor any third party without signed authorization from the client. ********************************************************************************************************************************************* Please note that for all SSQ B2B Loan applications, you must put down “SSQ” in front of the fund code (for example: SSQ +Fund code) . ************************************************************************************************************************************************ Administrators will not fill in any incomplete information on application for advisors due to compliance issues. For any applications and correspondences you send to or receive from insurance compa-nies, you must also send a copy to Pacific Place at the same time. Please keep your own copy of all applications submitted.

Important Notice to All AdvisorsImportant Notice to All AdvisorsImportant Notice to All Advisors

Continuous Licensing – Annual Filings

Continuous licences do not have an expiry date, however, licensees must make annual fil-ings to Council. The filing date is June 1st. The filing date is the same for all licensees, re-gardless of the class of licence held. NEW FOR 2016 ANNUAL FILINGS - CUSTOM FILING FORMS AVAILABLE FOR DOWNLOAD

Click on the link at the bottom of this page to search for your licence information, then click on Print Annual Filing to generate your personalized filing form. Attach your pay-ment to the form and submit to Council. Review the filing form carefully: by submitting the filing form you are comfirming you understand and have met all requirements. The filing deadline for 2016 is 4:30 pm Wednesday, June 1st. If you have more than one licence, you must print a personalized filing form for each li-cence you hold. After you print your first filing form, click on the NEXT button to view and print a filing form for any additional licence you hold. Where a licensee fails to meet a filing deadline, the licensee will be required to pay a late filing fee. Where a licensee has not met the filing requirements within 60 calendar days of the filing date, the licence will be terminated. To determine the status of a licence, go to Search Licensees section and on the licence dis-play look under Next Filing Date. http://www.insurancecouncilofbc.com/PublicWeb/SearchLicensee.aspx ********************************************************************************************************************************************* Life License fillings are due at the end of May. Please be reminded that it is advi-Life License fillings are due at the end of May. Please be reminded that it is advi-Life License fillings are due at the end of May. Please be reminded that it is advi-sor’s responsibility to keep CE certificate and keep track the CE credit in order to sor’s responsibility to keep CE certificate and keep track the CE credit in order to sor’s responsibility to keep CE certificate and keep track the CE credit in order to make sure having enough credits before the due date. The office seminar sign in make sure having enough credits before the due date. The office seminar sign in make sure having enough credits before the due date. The office seminar sign in sheet is for our office seminar booking and for our own reference. sheet is for our office seminar booking and for our own reference. sheet is for our office seminar booking and for our own reference.

Administration Roles and Responsibilities - Apr 1, 2016 Wayne Yu: Corporate Manager EXT: 231 Yim Yu: Account Manager EXT: 244 Bill Lee: Office Support Pacific Place-Financial Services Inc. (Life Insurance Division) Hendry Liu: Sales Manager EXT: 242 Aries Chen: Assistant Sales Manager EXT: 264 Mimi Sum: New Business: Manulife, IA and SSQ Life Insurance; Commission EXT: 232 Tiffany Tang: New Business: Canada Life, SunLife, and others Life and Investment EXT: 245 Karen Yau: Manulife Investment; Contracting EXT: 235 Mable Wong: Travel Insurance ;IA and SSQ investment EXT: 225 Teresa Chiang: Policy service EXT: 249 Angel Wong : Maternity Leave Pacific Place-Insurance Services Inc. (General Insurance Division) Shelley Lin: PPIS Manager; Commercial insurance: renewal & changes; Claims EXT: 226 Eileen Zeng: House and Commercial: New quote & First year changes EXT: 247 Kate Zhang: Condo: New quote& First year changes & Renewal; House: renewal EXT: 228 ICBC batch and inventory Sophie Lam: ICBC EXT: 275 Angus Yiu: ICBC EXT: 274 Victoria Ng: ICBC and renewal (Only Saturday 10:30– 3:30) EXT: 239 Pacific Place-Arc Realty Ltd. (Real Estate Division) Lo-Ming Lee: Managing Broker EXT: 233 Charles Chan: Consultant Lauren Zhu: Real estate conveyancer EXT: 241 Anna Tang: Real estate conveyancer EXT: 221 Annie Wong : Maternity Leave Pacific Evergreen Realty Ltd Lo-Ming Lee: Managing Broker EXT: 233 Charles Chan: Consultant Lauren Zhu: Real estate conveyancer EXT: 241 Anna Tang: Real estate conveyancer EXT: 221 Annie Wong : Maternity Leave

Pacific Place Group Administration Roles & Extensions

Life Insurance Updates

Life Insurance Updates

Life Insurance Updates

Life Insurance Updates

Welcome to the new life insurance landscape

Life17 has everything you need to get ready for Canada’s new income tax rules. Up-dates, tips and training, marketing materials, illustration tools and support – you’ll find it all right here.

What’s new

This spring, the focus is on income tax rule basics and policy change specifics. The fol-lowing new resources will help you understand the changing life insurance landscape and how to help clients choose the best product to meet their needs.

Key Dates

Aug. 1, 2016 – last day to request a policy change quote, with underwriting

Sept. 1, 2016 – last day for head office to receive a policy change application, in

good order, with illustration when required, with underwriting

Oct. 1, 2016 – last day to request a policy change quote, no underwriting

Nov. 1, 2016 – last day to receive a policy change application at head office, no un-

derwriting

Jan. 1, 2017 – first day of new income tax rules

Life Insurance Updates

Life Insurance Updates

Life Insurance Updates

Life Insurance Updates

Life Insurance Updates

Life Insurance Updates

Insurance forms revised effective today

April 4, 2016 Insurance forms revised to enhance Anti-Money Laundering information collection effective today Further to our earlier message about Anti-Money Laundering legislation changes to some of our in-surance forms, today you will find new fields added to the product pages and to the Signature and Disclosure Booklet. These fields will be added for whole life and universal life products only. The new fields identify the industry and occupation of the policy owner (industry and business for entity owners). Good news! When we updated the product pages that are affected, we also made them fillable – you now have the option of completing, printing and submitting (but not saving). As usual, you may order printed forms or submit your application using ez-app. A total of eight forms in the application process have been updated:

When completing the new fields in the product pages or the signature booklet, you are asked to consult a reference chart, called Valid industries and occupations NN1655, which lists the catego-ries of industry / occupation / business selections for your individual and entity clients. Selecting from this standardized chart allows us to store and retrieve the information as per anti-money laun-dering legislation requirements and ensures that your application is received in good order. To give you time to incorporate these new forms into your process, there will be a one-month grace period.

Performax Gold Product Page NN1547E

Manulife UL YRT Gold Investment Account product page NN1630E

Manulife UL YRT Client Investment Select product page NN1631E

Manulife UL Level Gold Investment Account product page NN1635E

Manulife UL Level Client Investment Select product page NN1636E

Security UL Product Page NN0902E

InnoVision Product Page NN0780E

Signature and disclosure booklet for electronic applications NN7006E

Identifying owners of Individual Insurance policies NN1558E

Reference chart of valid industries and occupations (New) NN1655E

Life Insurance Updates

Introducing accelerated underwriting for Family and Business Term Insurance

We are pleased to introduce accelerated underwriting for Family and Business Term insurance to make it easi-

er for you and your clients to do business with us. With accelerated underwriting, the majority of your clients

between 18 and 40 will be eligible to get up to $1 million in term insurance without having to meet with a

nurse to provide blood, urine, vitals or a paramedical exam. Accelerated underwriting offers a more conven-

ient buying experience for you and your clients with a simplified application process and improved cycle time.

Accelerated underwriting changes

Effective April 30, 2016, the following changes will be made to our underwriting requirements and Health-

styles program:

Increased limits for biometric testing

Accelerated underwriting is an important step in our effort to transform underwriting requirements and make

the application process easier for you and your clients. As part of these changes, we will eliminate biometric

testing requirements for clients ages 18 to 40, for amounts of $250,000 up to $1,000,000 of Family or Busi-

ness Term insurance. The only medical underwriting requirement for eligible clients will be the medical ques-

tions in our application.

Clients with certain health concerns or personal medical histories will still require biometric testing. For ex-

ample, those with diabetes, a history of heart attack or cancer, a build outside of defined parameters, a poor

driving record or those who qualify as new Canadians.

Requirements will remain the same for Family and Business Term coverage amounts under $250,000 or over

$1,000,000, and for clients under age 18 or over 40.

Changes to the Healthstyles program

Our Healthstyles program is a valuable and effective selling tool, allowing us to reward our healthiest clients

with preferred rates. Since Healthstyles ratings have traditionally been based on biometric results, we’re mak-

ing changes to enable us to keep preferred ratings for your healthiest clients while accounting for the reduced

requirements resulting from accelerated underwriting.

As a result, we are removing the Healthstyle 2 rating for clients applying for Family and Business Term cov-

erage amounts between $250,000 and $1,000,000. These clients will still be eligible for the Healthstyle 1 pre-

ferred rating and, with our accelerated underwriting guidelines, we anticipate a higher percentage will qualify

for this rating. There is no change to current Family and Business Term Healthstyle ratings for coverage

amounts under $250,000 or over $1,000,000, or for clients under age 18 or over 40.

Life Insurance Updates

Introducing accelerated underwriting for Family and Business Term Insurance (Continued)

Healthstyle reports are based on a client’s biometric results and, with fewer clients providing biometric data,

we will no longer be issuing healthstyle reports for all ages and coverage amounts.

Introduction of underwriting analytics

Accelerated underwriting is made possible by reducing the amount of biometric data we collect directly from

clients at application. We are able to do this by introducing analytics to our underwriting process based on

Manulife’s own extensive data and research. Analytics allow us to gain a better perspective on individual risk

profiles, even as we reduce the amount of data we collect directly from clients. As we continue to build on the

strength of our analytics, we will rely less on traditional underwriting – leading the industry in providing cov-

erage customized to consumer risk.

The benefit to you and your clients

Creating a strong customer experience is our priority. With the introduction of accelerated underwriting, you

and your clients will benefit from:

An application process that is easier to fit into your busy schedules.

An underwriting process that doesn’t require biometrics means eligible clients will no longer have to meet with a nurse for a paramedical.

A quicker cycle time allowing your clients to get a decision sooner and you to get paid faster. A big step in our ongoing mission to modernize insurance

We’re proud of our reputation as an innovator in our industry. Accelerated underwriting is an important first

step in our journey to lead the industry in underwriting innovation as we continue to modernize our business

to improve the buying experience.

Life Insurance Updates

NEW! 2017 Insurance Tax Changes Series article: Corporate-owned life insurance (plus more)

One of the key areas impacted by the new insurance tax rules that will come into effect on January 1, 2017 is

corporate-owned life insurance.

Want the need-to-know details of how and why? Check out the latest article in Manulife’s 2017 Life Insur-ance Tax Changes Series: Corporate-owned Life Insurance. Conveniently available on the 2017 Insurance Tax Changes Education Centre, the simple, easy-to-understand one-page article puts this key taxation information at your fingertips to help you prepare your business and your clients for the coming revisions that the federal government has introduced to modernize the exempt test and related rules that determine how life insurance policies are taxed.

What else is new?

We committed to helping you get informed and stay informed when we introduced Manulife’s one-stop educa-

tion centre earlier this year. Here are the latest resources now available:

Life and Taxation: Impact of New Rules on Products & Sales Concepts addresses the upcoming taxation changes impacting life insurance. This video presentation from Advocis, The Financial Advisors Association of Canada, offers the deep insight and rich perspectives of an expert panel that includes Manulife’s very own tax expert, Florence Marino, B.A., LL.B, TEP, Assistant Vice President of Tax, Retirement & Estate Planning Ser-vices.

The video is complimentary for Advocis members and available to non-members at a nominal fee of $25.

Available until September 30, 2016 (English only), the presentation also offers CE Credits through Advocis.

The latest edition of Canadian Taxation of Life Insurance is current to August 1, 2015. This book includes what you need to know about the taxation of life insurance and how life insurance strategies can enhance your clients' financial and estate planning.

Prepare now

1. Get informed and look for new opportunities to provide value to your clients

Visit Manulife’s 2017 Insurance Tax Education Centre on Repsource regularly at www.repsource.ca/2017taxchanges for new articles and other materials to help you build your tax knowledge.

2. Get in touch

Perform a detailed review of your clients’ current life insurance and estate-planning needs today to determine if it’s in their best interest to make any policy changes or consider new options before 2017. This process can take some time; starting early sets your business and your clients up for success. Encourage your clients to read the basics on Manulife.ca so they’re prepared to discuss their life insurance needs and any necessary policy chang-es with you.

Life Insurance Updates

Help clients worry less with enhancement to the Children’s Lifecheque Rider

A parent’s concern about their child’s well-being is everlasting, even when that child becomes an adult. Help

ease your clients’ worries, now and in the future, with the new Children’s Lifecheque Rider (CLR) critical ill-

ness insurability benefit.

Now available for all new CLR coverages dated on or after April 4, 2016, the critical illness insurability benefit

provides the option to purchase a stand-alone critical illness policy for each eligible child, without undergoing

full medical underwriting, when they turn 21*. With this benefit, it’s an easy process for your clients to apply

for future critical illness protection for their children and a potentially more affordable premium, than if their

children were to delay and apply for new coverage in the future.

When can the policy owner apply for stand-alone coverage for the child?

Under the policy owner’s Lifecheque policy, CLR coverage continues on each child until their 21st birthday as

long as the CLR coverage is in effect. Now, with the critical illness insurability benefit, the policy owner can

easily apply for a critical illness insurance policy for the child 60 days before the child’s 21st birthday and up to

75 days after their 21st birthday, or on another option day*, without undergoing full medical underwriting.

The new stand-alone critical illness insurance amount can be up to two times the CLR coverage amount to a

maximum of $200,000. The minimum amount of the new critical illness insurance is $25,000.

Easy for you and your clients

Lifecheque is one of the most comprehensive critical illness insurance products available today. Now with add-

ed flexibility, the CLR is a multi-coverage, one-price feature that makes managing critical illness insurance

easy for you and your clients.

Simple – Lifecheque protects your clients and the CLR protects their eligible children, all under one policy. Lifecheque policy owners apply once for the CLR blanket rider and this covers all eligible children until the last child turns 21, as long as the CLR coverage is in effect.

Cost effective – One premium covers all children and will never increase, regardless of the number of chil-dren covered.

Your opportunity

The critical illness insurability benefit gives you a unique opportunity to reconnect with existing Lifecheque clients that have not currently added a CLR and secure new relationships down the road. The CLR is an afford-able, flexible benefit that can easily be added to any existing Lifecheque policy**. And as your client’s chil-dren become adults themselves, you can be there to help them develop a financial plan of their own. *Additional details about the CLR, insurability benefit and option days are outlined in the Lifecheque Critical Illness Product Guide and the Children’s Lifecheque Rider sample contract. **The CLR is unavailable to Permanent Limited Pay Lifecheque clients.

Life Insurance Updates

What’s new on May 1st, 2016 for Flexcare and The Association Health & Dental Plan?

Flexcare® Health & Dental Plan

Increase from $50 to $60 for optometrist visit per two consecutive benefit years

Unlimited air ambulance (was previously $4000 per year)

Rates for each plan have slightly increased

The Association Health & Dental Plan Rates for each plan have slightly increased

Accelerate your clients’ savings Show your clients the faster way to reach their savings goals. They can earn high interest until August 31, 2016 on every net new dollar deposited from April 4, 2016 to June 15, 2016 to a Manulife Bank Personal Advantage Account or Business Advantage Account.1

Interest rates 2.5% on new Personal Advantage Account deposits

1.5% on new Business Advantage Account deposits Offer summary Limited time offer for net new deposits made from April 4 to June 15, 2016. Interest is earned through August 31, 2016. Eligibility New and existing Personal Advantage Account clients New and existing Business Advantage Account clients

Deposits must be new to Manulife Bank Deposits Up to $250,000 for Personal Advantage Account and up to $500,000 for Business Ad vantage Account How to apply New account applications must be received and accepted by Manulife Bank from April 4, 2015 to June 15, 2016. For new Personal Advantage Account and Business Advantage Account clients: Open new account using BankLink or complete and submit the application form Personal Advantage Account Business Advantage Account

For existing Personal Advantage Account and Business Advantage Account clients: Make a deposit to an eligible account

Life Insurance Updates

Life Insurance Updates

Tax changes affecting life insurance – effective January 1, 2017

Following a series of measures adopted in the 2012 federal budget, a number of changes will be made to tax rules affecting life insurance, effective January 1, 2017. These changes are primarily aimed at standardizing the tax treatment of products as well as provide greater consistency among life insurance products offered by insurance companies.

These changes will have an impact on all products, particularly universal life insurance policies. Prescribed annuity contracts will also be affected.

The changes stemming from the new tax rules are significant. You are advised to contact your clients and to review their current needs. However, these changes will not have a major impact on most clients.

Each case is unique, depending on the financial and tax situation of your client. A separate analysis is required.

IN-FORCE POLICIES

Policies issued prior to January 1, 2017, will not be affected by these changes, UNLESS certain changes are made to these policies on or after January 1, 2017. In that case, the new tax rules will apply to these policies. Here are the main changes that will result in the loss of grandfathering rights for existing policies:

Addition of or increase in life insurance coverage with evidence of insurability (e.g., term insurance coverage is added).

Term insurance is converted into permanent insurance.

It may be a good opportunity to meet with your clients to discuss whether it is in their interest to make changes to their existing policy or take out a new policy now. A detailed analysis of their needs and situation will help you to determine whether it would be best to make certain changes in 2016 or in future years.

In the coming weeks, we will communicate any changes to SSQ products and to the treatment of universal life in-force policies. Watch for updates in our next newsletters.

Life Insurance Updates

Life Insurance Updates

Life Insurance Updates

On the radar: A SSQ GIF that is making its mark

Fund: SSQ OAM BOND GIF

Manager: Optimum Asset Management inc.

Benchmark: FTSE TMX Canada Universe

Fund category (CIFSC): Canadian Fixed Income

This fund enhances portfolio diversification with bonds, which have historically exhibited a negative to slightly posi-tive correlation with stocks. It stands out thanks to a proven methodology of active duration management.

The fund shows returns higher than the median of its CIFSC category for periods of 3 months to 5 years.

SSQ OAM Bond GIF – Quartiles as at February 29, 2016

Source: Morningstar - Advisor Workstation, segregated funds universe only. This fund is part of the asset mix of the Strategy portfolio funds and its fundamental investment objective is to generate regular income and moderate medium– and long-term capital growth.

WHY INVEST IN THIS FUND?

To benefit from the portfolio manager’s conviction; he doesn't hesitate to deviate from the benchmark to add value.

To enhance diversification with bonds, which have exhibited a negative to slightly positive correlation with stocks. Combining bonds with stocks improves portfolio diversification.

To reduce portfolio volatility. Bond prices, particularly investment grade bonds, are generally less volatile than most asset classes. Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Quartile rankings, expressed as 1, 2, 3 or 4, shows comparisons of the fund's performance relative to other funds in its category, consid-ering the total number of eligible funds for the periods indicated above.

The returns shown do not take into account sales, redemption, distribution or other optional charges that would have reduced returns. Returns are annualized, except for periods of less than one year. Past returns are not a reliable indicator of future performance. This method of calculating returns is in compliance with the industry standards established by the Canadian Life and Health Insurance Associa-tion. For more information about this calculation method, please contact SSQ Client Services at 1-800-320-4887.

3 months 1 year 2 years 3 years 4 years 5 years

SSQ OAM Bond GIF 1 1 1 1 1 2

Life Insurance Updates

New Tax Legislation for Life Insurance Policies

We would like to take this opportunity to provide you with information regarding new legislation affecting the taxation of Canadian life insurance policies which comes into effect on January 1st, 2017. The new tax rules will also affect prescribed annuities. Information regarding the specific impact to these products can be found in a new marketing flyer on the Sales Resource Centre entitled Prescribed Tax Changes for 2017. Background The Income Tax Act contains rules that dictate whether a life insurance policy will be considered exempt or non-exempt. Most permanent life insurance policies sold in Canada are considered tax exempt. A death benefit paid out under these policies is tax-free upon the death of the life insured, and any investment earn-ings associated with the cash value accumulated is not subject to annual taxation. Annually, insurance companies apply the “Exempt Test”, which has been in existence since 1982, to each policy to confirm its tax status. In 2012, the Federal Budget announced an outline of proposed changes to this test to reflect updated actuarial assumptions and to ensure consistency across all insurance companies and products. On December 16, 2014, Bill C-43 received Royal Assent with the new legislation taking effect on January 1st, 2017. New Legislation New tax rules will affect all permanent life insurance policies with cash values issued on or after January 1, 2017. The most significant changes to the tax rules are: Reduction in maximum premiums permitted in an exempt policy including Level Cost of Insurance “face

plus fund” products

Lengthening of the “quick pay” period allowable under any illustration assumptions

Lower allowable cash value accumulations inside exempt policies

A higher Adjusted Cost Basis (ACB) that remains positive for a longer period of time on most policies

Expanded relief provisions make it easier for a policy to pass the 250% test, in the event that the accu-mulating fund grows to more than 250% of its value from three years prior. This will apply retroactively to all policies subject to the exempt test.

Withdrawals from the cash value of a life insurance policy for the purpose of policy loan repayments will now be considered a disposition

Grandfathered Policies All policies issued after January 1, 2017 will fall under the new legislative rules; policies inforce prior to that date will be grandfathered. The grandfathered status allows existing policies to continue being governed un-der the current set of rules. However, this grandfathered status can be lost where certain policy changes occur on or after January 1, 2017. Examples of some of these changes are:

Life Insurance Updates

New Tax Legislation for Life Insurance Policies (continued) Adding or increasing a coverage after 2016 that requires medical underwriting

Life insured changes requiring medical underwriting completed after 2016. Examples of these include, but are not limited to, adding a life, dropping a life or substituting a life.

Products Impacted At this time we have a team in place reviewing the new legislation and as we continue to investigate what it means for you and your clients, we will provide further updates. In the meantime, we do know the following products are impacted, but not limited to: RBC Universal Life™

Term Life Insurance with cash values

Whole Life Insurance with cash values Illustration Software – RBC Illustrations and Composer Updated software systems to reflect the new set of tax rules for new business and policy changes on inforce business will be provided later in the year. Client Communication The RBC Insurance website will be updated shortly with information for your clients regarding the new tax rules. We encourage you to advise your clients to review the information posted on our website as we will not be mailing this information to them directly. Questions If you have further questions, please contact your RBC Insurance Sales Consultant at 1-866-234-4332.

RBC Life Insurance Company.

Life Insurance Updates

IA has discontinued F2A Alternative Application, F8A Perspective Application and F11A Alternative Application. IA has added Access Life F35A

iA Financial Group launches Access Life and adds a key feature to its EquiBuild product iA Financial Group (Industrial Alliance Insurance and Financial Services Inc.) today an-nounces the launch of Access Life, a simplified issue life insurance product offering quick, comprehensive coverage with no need for a medical exam. Access Life provides basic coverage of $10,000 to $50,000 for clients who, for any number of reasons, have trouble getting life insurance. In addition, clients who are in good health but prefer not to go through medical exams can get coverage up to a maximum of $300,000. With Access Life, insureds can also combine permanent protection with 20-year term protection for temporary needs such as covering their mortgage. This new solution is for anyone who has been denied life insurance or is worried they won’t qualify because of their age or health. “We are happy to be offering clients this new comprehensive, competitive, quick enrolment product,” states Pierre Vincent, Vice-President, Individual Insurance at iA Financial Group and President and Chief Operating Officer of iA Excellence. “All the underwriting paperwork normally required for a new life insurance policy has been simplified to make the process as quick and convenient as possible for our clients.” Access Life is also being marketed by iA Excellence, a subsidiary of iA Financial Group spe-cializing in living benefits. iA Excellence is offering online enrolment only for this product, which will allow advisors to sell it without having to fill out a paper application form. IA also has new applications for Diploma F25A & F28A, newest verison is (15-12) they will still be ac-cepting (14-02)(12-10) until further notice

Real Estate Updates