corporate presentation - corporate internal communications - 21/05/2014 - 1 apparent trends term...
TRANSCRIPT
Corporate presentation - Corporate Internal Communications - 10/04/23 - 1
Apparent trends
Term sales increasing
Term premiums declining
Whole Life sales increasing
Critical illness sales increasing
Guaranteed Universal Life popular
Majority of Universal Life policies are not over funded
From - 10/04/23
AXA Life Products
Corporate presentation - Corporate Internal Communications - 10/04/23 - 3
AXA Life Products
Term 100 chassis
Term 10, 20 and 70
Guaranteed Pay products 10 and 20
Universal Life Bastion YRT based Pacte II Level, YRT and YRT for 10 then level
Mortgage Insurance with Disability
Critical illness
Individual Disability
Corporate presentation - Corporate Internal Communications - 10/04/23 - 4
Todays focus
Term 100
Term 10, 20 and 70
Guaranteed Pay products 10 and 20
Corporate presentation - Corporate Internal Communications - 10/04/23 - 5
Term 100
ROP at Death
ROP at Surrender
Guaranteed premiums
Guaranteed death benefit
Monthly income in the event of disability
Extreme Disability benefit
Annuity at age 90
Corporate presentation - Corporate Internal Communications - 10/04/23 - 6
Example
Microsoft Excel
Worksheet
Corporate presentation - Corporate Internal Communications - 10/04/23 - 7
T100 Compensation
Term Life with ROP
45% FYC & 120% bonus rate
$2750 FY
$202 yrs. 2-10
Total FY comp $2750
$1213 increase in comp
Term 100 + invest the difference
1325 Term 100 premium
50% FYC and 120% bonus
$1479 FY
$66 yrs. 2-10
1175 in an investment
5%
$58.75 FY
Total FY comp $1537.75
From - 10/04/23
Corporate presentation - Corporate Internal Communications - 10/04/23 - 9
Contents
1 : Term 10 Indexed summary
2 : Preferred underwriting factors
3 : Competitive analysis
Corporate presentation - Corporate Internal Communications - 10/04/23 - 10
Term 10 Indexed
Our Term 10 is renewable to age75 and convertible to age 70
Preferred rates (4 non-smoker and 2 smoker categories.)
Our new Automatic Indexation Benefit enables your clients to increase their insurance at each of the first five anniversary dates, by 30%, 25%, 20%, 15% or 10% of the initial insurance amount. This option is available at original issue age.
If you exercise all of the increases, your clients’ coverage doubles by year 5.
Corporate presentation - Corporate Internal Communications - 10/04/23 - 11
Term 10 Indexed
We also include at no extra cost our Extreme Disability Benefit (EDB)
Until the age of 60, 50% of the death benefit is payable in advance, in case of extreme disability, while the insured is alive.
Extreme Disability means that the insured is in a state of total irrecoverable disability, is unable to work and this condition has been declared permanent by a physician.
The insured must also require assistance from a third party to perform 5 of the following 7 acts of daily living 1) Getting up; 2) moving around; 3) washing; 4) dressing; 5) eating; 6) bladder control; 7) bowel movement control.
Corporate presentation - Corporate Internal Communications - 10/04/23 - 12
Preferred underwriting Factors to consider
Tobacco use
Height and weight
Blood pressure
Cholesterol Level
Insured’s medical history
Family history
Alcohol use
Drug use
Driving record
Criminal record
Corporate presentation - Corporate Internal Communications - 10/04/23 - 13
Comparing Preferred Underwriting Tobacco Use-Class 1
0
2
4
6
8
10
12
14
16
AXA Canada AIG Manu IA
years of no usage
Corporate presentation - Corporate Internal Communications - 10/04/23 - 14
Comparing Preferred Underwriting Weight for Male (Height – 5’8”)
176
178
180
182
184
186
188
190
AXA Canada AIG Manu IA
Weight
Corporate presentation - Corporate Internal Communications - 10/04/23 - 15
Comparing Preferred Underwriting Blood pressure for Male – Age 55
132
133
134
135
136
137
138
139
140
AXA Canada IA AIG Manu
Systolic
Corporate presentation - Corporate Internal Communications - 10/04/23 - 16
Comparing Preferred Underwriting Blood pressure for Male – Age 55
77
78
79
80
81
82
83
84
85
AXA Canada AIG IA Manu
Diastollic
Corporate presentation - Corporate Internal Communications - 10/04/23 - 17
Comparing Preferred Underwriting Cholesterol Levels for Male – Age 45
4.7
4.8
4.9
5
5.1
5.2
5.3
5.4
5.5
AXA Canada AIG IA Manu
HDL ratio
Corporate presentation - Corporate Internal Communications - 10/04/23 - 18
Comparing Preferred Underwriting Family History of cancer
57
58
59
60
61
62
63
64
65
AXA Canada AIG IA Manu
Prior to age
Corporate presentation - Corporate Internal Communications - 10/04/23 - 19
Premium Comparaison
40Yr Male $250K
1. RBC Insurance Term 10 $192.50 2. Reliable Life Merit T10 (Preferred Plus) $200.00 3. Unity Life Preferred T10 (Class A) $205.00 4. Unity Life Indexed Preferred T10 (Class A) $205.00 5. AXA Assurances Term 10 (Class N1) $212.50
6. The Canada Life Term 10 (Diamond Plus) $217.50 7. Great-West Term 10 (Super Pref) $217.50 8. RBC Insurance Term 10 (Class 2) $217.50 9. London Life 10 Year Term Non-Par R&C (Super Pref) $220.0010. Transamerica Life TermSelect 10 R&C (Elite NS) $220.00
11. The Standard Life Term 10 (Profile 1) $222.5012. Unity Life Preferred T10 (Class B) $225.0013. Unity Life Indexed Preferred T10 (Class B) $225.0014. AIG Life Preferred T10 (Pref Plus NS) $227.5015. Assumption Life T-10 Plus (Elite NS) $227.50
16. Co-operators Life Versatile 10 Year R&C (Class N1) $232.5017. Manulife Financial Family Term-10 $237.9618. Manulife Financial Business Term-10 $237.9619. Co-operators Life Versatile 10 Year R&C (Class N2) $242.5020. Assumption Life T-10 Plus (Preferred NS) $247.50
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 20
Premium Comparaison
40 Yr Male $500K
1. Reliable Life Merit T10 (Preferred Plus) $325.00 2. Unity Life Preferred T10 (Class A) $335.00 3. Unity Life Indexed Preferred T10 (Class A) $335.00 4. AXA Assurances (New Rates) Term 10 (Class N1) $345.00 5. RBC Insurance Term 10 $350.00
6. Transamerica Life TermSelect 10 R&C (Elite NS) $360.00 7. The Canada Life Term 10 (Diamond Plus) $375.00 8. Great-West Term 10 (Super Pref) $375.00 9. Unity Life Preferred T10 (Class B) $375.0010. Unity Life Indexed Preferred T10 (Class B) $375.00
11. AIG Life Preferred T10 (Pref Plus NS) $380.0012. London Life 10 Year Term Non-Par R&C (Super Pref) $380.0013. The Standard Life Term 10 (Profile 1) $380.0014. Manulife Financial Family Term-10 $382.0815. Manulife Financial Business Term-10 $382.08
16. Assumption Life T-10 Plus (Elite NS) $395.0017. AXA Assurances (Old Rates) Term 10 (Class N1) $400.0018. IA Pacific Life Axis T10 R&C (Elite) $400.0019. Industrial-Alliance Axis T10 R&C (Elite) $400.0020. National Life NL Term 10 (Elite) $400.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 21
Premium Comparaison
40 Yr Male $1,000K
1. Unity Life Preferred T10 (Class A) $595.00 2. Reliable Life Merit T10 (Preferred Plus) $600.00 3. AXA Assurances(New Rates) Term 10 (Class N1) $605.00 4. Assumption Life T-10 Plus (Elite NS) $630.00 5. RBC Insurance Term 10 $650.00
6. Transamerica Life TermSelect 10 R&C (Elite NS) $660.00 7. AXA Assurances(Old Rates) Term 10 (Class N1) $665.00 8. Unity Life Preferred T10 (Class B) $675.00 9. Unity Life Indexed Preferred T10 (Class B) $675.0010. AIG Life Preferred T10 (Pref Plus NS) $685.00
11. The Standard Life Term 10 (Profile 1) $685.0012. Assumption Life T-10 Plus (Preferred NS) $700.0013. The Canada Life Term 10 (Diamond Plus) $700.0014. Great-West Term 10 (Super Pref) $700.0015. London Life 10 Year Term Non-Par R&C (Super Pref) $700.00
16. Manulife Financial Family Term-10 $705.9617. Manulife Financial Business Term-10 $705.9618. IA Pacific Life Axis T10 R&C (Elite) $740.0019. Industrial-Alliance Axis T10 R&C (Elite) $740.0020. National Life NL Term 10 (Elite) $740.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 22
Premium Comparaison
40 Yr Female $250K
1. RBC Insurance Term 10 $157.50 2. RBC Insurance Term 10 (Class 2) $170.00 3. Unity Life Preferred T10 (Class A) $170.00 4. Unity Life Indexed Preferred T10 (Class A) $170.00 5. AIG Life Preferred T10 (Pref Plus NS) $182.50
6. AXA Assurances Term 10 (Class N1) $185.00 7. RBC Insurance Term 10 (Class 3) $192.50 8. The Standard Life Term 10 (Profile 1) $192.50 9. The Canada Life Term 10 (Diamond Plus) $195.0010. Great-West Term 10 (Super Pref) $195.00
11. Transamerica Life TermSelect 10 R&C (Elite NS) $195.0012. Unity Life Preferred T10 (Class B) $195.0013. Assumption Life T-10 Plus (Elite NS) $197.5014. London Life 10 Year Term Non-Par R&C (Super Pref) $197.5015. Co-operators Life Versatile 10 Year R&C (Class N1) $200.00
16. Reliable Life Merit T10 (Preferred Plus) $200.0017. CUMIS Life CUMIS T-10 $205.0018. Reliable Life Merit T10 (Preferred Non-Smoker) $205.0019. Manulife Financial Family Term-10 $206.7620. Manulife Financial Business Term-10 $206.76
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 23
Premium Comparaison
40 Yr Female $500K
1. Unity Life Preferred T10 (Class A) $265.00 2. Unity Life Indexed Preferred T10 (Class A) $265.00 3. RBC Insurance Term 10 $285.00 4. AXA Assurances Term 10 (Class N1) $290.00 5. AIG Life Preferred T10 (Pref Plus NS) $290.00
6. The Canada Life Term 10 (Diamond Plus) $290.00 7. Great-West Term 10 (Super Pref) $290.00 8. Transamerica Life TermSelect 10 R&C (Elite NS) $290.00 9. Manulife Financial Business Term-10 $292.6810. London Life 10 Year Term Non-Par R&C (Super Pref) $295.00
11. IA Pacific Life Axis T10 R&C (Elite) $310.0012. Industrial-Alliance Axis T10 R&C (Elite) $310.0013. National Life NL Term 10 (Elite) $310.0014. Reliable Life Merit T10 (Preferred Plus) $310.0015. The Standard Life Term 10 (Profile 1) $315.00
16. Unity Life Preferred T10 (Class B) $315.0017. Unity Life Indexed Preferred T10 (Class B) $315.0018. The Maritime Life Term Life Solutions 10 (Pref Plus) $320.0019. AXA Assurances Term 10 (Class N1) $330.0020. Assumption Life T-10 Plus (Elite NS) $335.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 24
Premium Comparaison
40 Yr Female $1,000K
1. Unity Life Preferred T10 (Class A) $455.00 2. Unity Life Indexed Preferred T10 (Class A) $455.00 3. AXA Assurances(New Rates) Term 10 (Class N1) $495.00 3. AIG Life Preferred T10 (Pref Plus NS) $505.00 4. AXA Assurances(Old Rates) Term 10 (Class N1) $515.00 5. Assumption Life T-10 Plus (Elite NS) $520.00
6. The Canada Life Term 10 (Diamond Plus) $520.00 7. Great-West Term 10 (Super Pref) $520.00 8. RBC Insurance Term 10 $520.00 9. Transamerica Life TermSelect 10 R&C (Elite NS) $520.0010. Manulife Financial Family Term-10 $525.96
11. Manulife Financial Business Term-10 $525.9612. London Life 10 Year Term Non-Par R&C (Super Pref) $530.0013. The Maritime Life Term Life Solutions 10 (Pref Plus) $550.0014. The Standard Life Term 10 (Profile 1) $555.0015. Unity Life Preferred T10 (Class B) $555.00
16. Unity Life Indexed Preferred T10 (Class B) $555.0017. IA Pacific Life Axis T10 R&C (Elite) $560.0018. Industrial-Alliance Axis T10 R&C (Elite) $560.0019. National Life NL Term 10 (Elite) $560.0020. Reliable Life Merit T10 (Preferred Plus) $570.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 25
Premium Comparaison
45 Yr Male $250K
1. Reliable Life Merit T10 (Preferred Plus) $262.50 2. RBC Insurance Term 10 $285.00 3. AXA Assurances(New Rates) Term 10 (Class N1) $287.50 4. Unity Life Preferred T10 (Class A) $295.00 5. Unity Life Indexed Preferred T10 (Class A) $295.00
6. Assumption Life T-10 Plus (Elite NS) $300.00 7. Transamerica Life TermSelect 10 R&C (Elite NS) $300.00 8. Unity Life Preferred T10 (Class B) $305.00 9. Unity Life Indexed Preferred T10 (Class B) $305.0010. The Canada Life Term 10 (Diamond Plus) $307.50
11. Great-West Term 10 (Super Pref) $307.5012. AIG Life Preferred T10 (Pref Plus NS) $310.0013. The Standard Life Term 10 (Profile 1) $310.0014. RBC Insurance Term 10 (Class 2) $312.5015. Co-operators Life Versatile 10 Year R&C (Class N1) $315.00
16. London Life 10 Year Term Non-Par R&C (Super Pref) $315.0017. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $322.5018. Manulife Financial Family Term-10 $328.5619. Manulife Financial Business Term-10 $328.5620. AXA Assurances(Old Rates) Term 10 (Class N1) $330.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 26
Premium Comparaison
45 Yr Male $500K
1. Reliable Life Merit T10 (Preferred Plus) $475.00 2. AXA Assurances Term 10 (Class N1) $490.00 3. Transamerica Life TermSelect 10 R&C (Elite NS) $490.00 4. Unity Life Preferred T10 (Class A) $515.00 5. Unity Life Indexed Preferred T10 (Class A) $515.00
6. RBC Insurance Term 10 $530.00 7. The Standard Life Term 10 (Profile 1) $535.00 8. Unity Life Preferred T10 (Class B) $535.00 9. Unity Life Indexed Preferred T10 (Class B) $535.0010. Assumption Life T-10 Plus (Elite NS) $540.00
11. AIG Life Preferred T10 (Pref Plus NS) $545.0012. The Canada Life Term 10 (Diamond Plus) $545.0013. Great-West Term 10 (Super Pref) $545.0014. Manulife Financial Family Term-10 $551.1615. Manulife Financial Business Term-10 $551.16
16. London Life 10 Year Term Non-Par R&C (Super Pref) $555.0017. Co-operators Life Versatile 10 Year R&C (Class N1) $580.0018. IA Pacific Life Axis T10 R&C (Elite) $580.0019. Industrial-Alliance Axis T10 R&C (Elite) $580.0020. National Life NL Term 10 (Elite) $580.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 27
Premium Comparaison
45 Yr Male $1,000K
1. Assumption Life T-10 Plus (Elite NS) $880.00 2. AXA Assurances (New Rates) Term 10 (Class N1) $885.00 3. Reliable Life Merit T10 (Preferred Plus) $900.00 4. AXA Assurances (Old Rates) Term 10 (Class N1) $905.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $920.00
6. Unity Life Indexed Preferred T10 (Class A) $955.00 7. The Standard Life Term 10 (Profile 1) $965.00 8. Assumption Life T-10 Plus (Preferred NS) $980.00 9. Unity Life Preferred T10 (Class B) $995.0010. Unity Life Indexed Preferred T10 (Class B) $995.00
11. RBC Insurance Term 10 $1,010.0012. AIG Life Preferred T10 (Pref Plus NS) $1,015.0013. The Canada Life Term 10 (Diamond Plus) $1,030.0014. Great-West Term 10 (Super Pref) $1,030.0015. Manulife Financial Family Term-10 $1,042.20
16. Manulife Financial Business Term-10 $1,042.2017. London Life 10 Year Term Non-Par R&C (Super Pref) $1,050.0018. Co-operators Life Versatile 10 Year R&C (Class N1) $1,085.0019. The Maritime Life Term Life Solutions 10 (Pref Plus) $1,090.0020. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $1,095.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 28
Premium Comparaison
45 Yr Female $250K
1. RBC Insurance Term 10 $215.00 2. AXA Assurances Term 10 (Class N1) $220.00 3. AIG Life Preferred T10 (Pref Plus NS) $220.00 4. RBC Insurance Term 10 (Class 2) $227.50 5. Reliable Life Merit T10 (Preferred Plus) $230.00
6. Unity Life Preferred T10 (Class A) $232.50 7. Assumption Life T-10 Plus (Elite NS) $235.00 8. The Canada Life Term 10 (Diamond Plus) $240.00 9. Great-West Term 10 (Super Pref) $240.0010. Transamerica Life TermSelect 10 R&C (Elite NS) $240.00
11. The Standard Life Term 10 (Profile 1) $242.5012. Unity Life Preferred T10 (Class B) $242.5013. Unity Life Indexed Preferred T10 (Class B) $242.5014. London Life 10 Year Term Non-Par R&C (Super Pref) $245.0015. Manulife Financial Family Term-10 $246.48
16. Manulife Financial Business Term-10 $246.4817. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $247.5018. Reliable Life Merit T10 (Preferred Non-Smoker) $255.0019. Assumption Life T-10 Plus (Preferred NS) $257.5020. Co-operators Life Versatile 10 Year R&C (Class N1) $257.50
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 29
Premium Comparaison
45 Yr Female $500K
1. AXA Assurances(New Rates) Term 10 (Class N1) $360.00 2. AIG Life Preferred T10 (Pref Plus NS) $365.00 3. The Canada Life Term 10 (Diamond Plus) $365.00 4. Great-West Term 10 (Super Pref) $365.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $365.00
6. London Life 10 Year Term Non-Par R&C (Super Pref) $370.00 7. Manulife Financial Business Term-10 $371.52 8. RBC Insurance Term 10 $380.00 9. AXA Assurances(Old Rates) Term 10 (Class N1) $390.0010. IA Pacific Life Axis T10 R&C (Elite) $390.00
11. Industrial-Alliance Axis T10 R&C (Elite) $390.0012. National Life NL Term 10 (Elite) $390.0013. Unity Life Preferred T10 (Class A) $390.0014. Unity Life Indexed Preferred T10 (Class A) $390.0015. Assumption Life T-10 Plus (Elite NS) $410.00
16. Reliable Life Merit T10 (Preferred Plus) $410.0017. The Standard Life Term 10 (Profile 1) $410.0018. Unity Life Preferred T10 (Class B) $410.0019. Unity Life Indexed Preferred T10 (Class B) $410.0020. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $430.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 30
Premium Comparaison
45 Yr Female $1,000K
1. AXA Assurances Term 10 (Class N1) $635.00 2. Assumption Life T-10 Plus (Elite NS) $650.00 3. AIG Life Preferred T10 (Pref Plus NS) $655.00 4. The Canada Life Term 10 (Diamond Plus) $670.00 5. Great-West Term 10 (Super Pref) $670.00
6. Transamerica Life TermSelect 10 R&C (Elite NS) $670.00 7. London Life 10 Year Term Non-Par R&C (Super Pref) $680.00 8. Manulife Financial Family Term-10 $680.40 9. Manulife Financial Business Term-10 $680.4010. Unity Life Preferred T10 (Class A) $705.00
11. Unity Life Indexed Preferred T10 (Class A) $705.0012. RBC Insurance Term 10 $710.0013. IA Pacific Life Axis T10 R&C (Elite) $720.0014. Industrial-Alliance Axis T10 R&C (Elite) $720.0015. National Life NL Term 10 (Elite) $720.00
$0.0016. Assumption Life T-10 Plus (Preferred NS) $730.0017. The Standard Life Term 10 (Profile 1) $735.0018. Unity Life Preferred T10 (Class B) $745.0019. Unity Life Indexed Preferred T10 (Class B) $745.0020. Reliable Life Merit T10 (Preferred Plus) $770.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 31
Premium Comparaison
50 Yr Male $250K
1. Reliable Life Merit T10 (Preferred Plus) $375.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $407.50 3. AIG Life Preferred T10 (Pref Plus NS) $415.00 4. RBC Insurance Term 10 $417.50 5. Transamerica Life TermSelect 10 R&C (Elite NS) $435.00
6. Unity Life Indexed Preferred T10 (Class A) $437.50 7. Co-operators Life Versatile 10 Year R&C (Class N1) $442.50 8. Unity Life Preferred T10 (Class B) $445.00 9. Unity Life Indexed Preferred T10 (Class B) $445.0010. The Standard Life Term 10 (Profile 1) $452.50
11. Assumption Life T-10 Plus (Elite NS) $455.0012. The Canada Life Term 10 (Diamond Plus) $460.0013. Great-West Term 10 (Super Pref) $460.0014. Co-operators Life Versatile 10 Year R&C (Class N2) $467.5015. London Life 10 Year Term Non-Par R&C (Super Pref) $470.00
16. RBC Insurance Term 10 (Class 2) $470.0017. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $475.0018. AXA Assurances(Old Rates) Term 10 (Class N1) $480.0019. Manulife Financial Family Term-10 $489.4820. Manulife Financial Business Term-10 $489.48
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 32
Premium Comparaison
50 Yr Male $500K
1. Reliable Life Merit T10 (Preferred Plus) $700.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $740.00 3. Transamerica Life TermSelect 10 R&C (Elite NS) $740.00 4. AIG Life Preferred T10 (Pref Plus NS) $755.00 5. The Canada Life Term 10 (Diamond Plus) $760.00
5. Great-West Term 10 (Super Pref) $760.00 7. Manulife Financial Business Term-10 $774.00 8. London Life 10 Year Term Non-Par R&C (Super Pref) $780.00 9. AXA Assurances(Old Rates) Term 10 (Class N1) $785.0010. RBC Insurance Term 10 $800.00
11. The Standard Life Term 10 (Profile 1) $800.0012. Unity Life Preferred T10 (Class A) $800.0013. Unity Life Indexed Preferred T10 (Class A) $800.0014. IA Pacific Life Axis T10 R&C (Elite) $815.0015. Industrial-Alliance Axis T10 R&C (Elite) $815.00
16. National Life NL Term 10 (Elite) $815.0017. Unity Life Preferred T10 (Class B) $815.0018. Unity Life Indexed Preferred T10 (Class B) $815.0019. Co-operators Life Versatile 10 Year R&C (Class N1) $845.0020. Assumption Life T-10 Plus (Elite NS) $850.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 33
Premium Comparaison
50 Yr Male $1,000K
1. Reliable Life Merit T10 (Preferred Plus) $1,350.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $1,355.00 3. Assumption Life T-10 Plus (Elite NS) $1,390.00 4. AXA Assurances(Old Rates) Term 10 (Class N1) $1,405.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $1,420.00
6. AIG Life Preferred T10 (Pref Plus NS) $1,435.00 7. The Standard Life Term 10 (Profile 1) $1,455.00 8. The Canada Life Term 10 (Diamond Plus) $1,460.00 9. Great-West Term 10 (Super Pref) $1,460.0010. Manulife Financial Family Term-10 $1,486.44
11. London Life 10 Year Term Non-Par R&C (Super Pref) $1,490.0012. Unity Life Preferred T10 (Class A) $1,525.0013. Unity Life Indexed Preferred T10 (Class A) $1,525.0014. Assumption Life T-10 Plus (Preferred NS) $1,550.0015. RBC Insurance Term 10 $1,550.00
16. Unity Life Preferred T10 (Class B) $1,555.0017. Unity Life Indexed Preferred T10 (Class B) $1,555.0018. IA Pacific Life Axis T10 R&C (Elite) $1,570.0019. Industrial-Alliance Axis T10 R&C (Elite) $1,570.0020. National Life NL Term 10 (Elite) $1,570.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 34
Premium Comparaison
50 Yr Female $250K
1. AIG Life Preferred T10 (Pref Plus NS) $295.00 2. AXA Assurances Term 10 (Class N1) $302.50 3. RBC Insurance Term 10 $305.00 4. Unity Life Preferred T10 (Class A) $317.50 5. Reliable Life Merit T10 (Preferred Plus) $325.00
6. The Canada Life Term 10 (Diamond Plus) $330.00 7. Great-West Term 10 (Super Pref) $330.00 8. RBC Insurance Term 10 (Class 2) $330.00 9. Transamerica Life TermSelect 10 R&C (Elite NS) $330.0010. Unity Life Preferred T10 (Class B) $330.00
11. Unity Life Indexed Preferred T10 (Class B) $330.0012. The Standard Life Term 10 (Profile 1) $332.5013. Co-operators Life Versatile 10 Year R&C (Class N1) $335.0014. Manulife Financial Family Term-10 $336.1215. Manulife Financial Business Term-10 $336.12
16. London Life 10 Year Term Non-Par R&C (Super Pref) $337.5017. Assumption Life T-10 Plus (Elite NS) $345.0018. Co-operators Life Versatile 10 Year R&C (Class N2) $352.5019. IA Pacific Life Axis T10 R&C (Elite) $352.5020. Industrial-Alliance Axis T10 R&C (Elite) $352.50
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 35
Premium Comparaison
50 Yr Female $500K
1. AXA Assurances(New Rates) Term 10 (Class N1) $510.00 2. AIG Life Preferred T10 (Pref Plus NS) $515.00 3. The Canada Life Term 10 (Diamond Plus) $520.00 4. Great-West Term 10 (Super Pref) $520.00 5. Transamerica Life TermSelect 10 R&C (Elite NS) $520.00
6. Manulife Financial Business Term-10 $529.20 7. London Life 10 Year Term Non-Par R&C (Super Pref) $530.00 8. AXA Assurances(Old Rates) Term 10 (Class N1) $550.00 9. IA Pacific Life Axis T10 R&C (Elite) $555.0010. Industrial-Alliance Axis T10 R&C (Elite) $555.00
11. National Life NL Term 10 (Elite) $555.0012. Unity Life Preferred T10 (Class A) $560.0013. Unity Life Indexed Preferred T10 (Class A) $560.0014. RBC Insurance Term 10 $565.0015. The Maritime Life Term Life Solutions 10 (Pref Plus) $580.00
16. Unity Life Preferred T10 (Class B) $585.0017. Unity Life Indexed Preferred T10 (Class B) $585.0018. The Standard Life Term 10 (Profile 1) $590.0019. Co-operators Life Versatile 10 Year R&C (Class N1) $600.0020. Reliable Life Merit T10 (Preferred Plus) $600.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 36
Premium Comparaison
50 Yr Female $1.000K
1. AXA Assurances(New Rates) Term 10 (Class N1) $905.00 2. AXA Assurances(Old Rates) Term 10 (Class N1) $915.00 3. AIG Life Preferred T10 (Pref Plus NS) $955.00 4. The Canada Life Term 10 (Diamond Plus) $980.00 5. Great-West Term 10 (Super Pref) $980.00
6. Transamerica Life TermSelect 10 R&C (Elite NS) $980.00 7. London Life 10 Year Term Non-Par R&C (Super Pref) $990.00 8. Manulife Financial Business Term-10 $999.00 9. Assumption Life T-10 Plus (Elite NS) $1,030.0010. Unity Life Preferred T10 (Class A) $1,045.00
11. Unity Life Indexed Preferred T10 (Class A) $1,045.0012. IA Pacific Life Axis T10 R&C (Elite) $1,050.0013. Industrial-Alliance Axis T10 R&C (Elite) $1,050.0014. National Life NL Term 10 (Elite) $1,050.0015. The Maritime Life Term Life Solutions 10 (Pref Plus) $1,070.00
16. RBC Insurance Term 10 $1,080.0017. The Standard Life Term 10 (Profile 1) $1,095.0018. Unity Life Preferred T10 (Class B) $1,095.0019. Unity Life Indexed Preferred T10 (Class B) $1,095.0020. Co-operators Life Versatile 10 Year R&C (Class N1) $1,125.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 37
Premium Comparaison
55 Yr Male 250K
1. Reliable Life Merit T10 (Preferred Plus) $575.00 2. Transamerica Life TermSelect 10 R&C (Elite NS) $625.00 3. Unity Life Preferred T10 (Class A) $625.00 4. Unity Life Indexed Preferred T10 (Class A) $625.00 5. RBC Insurance Term 10 $642.50
6. AIG Life Preferred T10 (Pref Plus NS) $645.00 7. The Standard Life Term 10 (Profile 1) $650.00 8. Unity Life Preferred T10 (Class B) $652.50 9. Unity Life Indexed Preferred T10 (Class B) $652.5010. Co-operators Life Versatile 10 Year R&C (Class N1) $662.50
11. The Canada Life Term 10 (Diamond Plus) $685.0012. Great-West Term 10 (Super Pref) $685.0013. AXA Assurances(New Rates) Term 10 (Class N1) $695.0014. Manulife Financial Business Term-10 $695.0415. London Life 10 Year Term Non-Par R&C (Super Pref) $697.50
16. Reliable Life Merit T10 (Preferred Non-Smoker) $697.5017. Co-operators Life Versatile 10 Year R&C (Class N2) $702.5018. Assumption Life T-10 Plus (Elite NS) $705.0019. Wawanesa Life LifeStyle Term 10 (Preferred Plus) $725.0020. IA Pacific Life Axis T10 R&C (Elite) $730.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 38
Premium Comparaison
55 Yr Male $500K
1. Reliable Life Merit T10 (Preferred Plus) $1,100.00 2. Transamerica Life TermSelect 10 R&C (Elite NS) $1,105.00 3. Unity Life Preferred T10 (Class A) $1,175.00 4. Unity Life Indexed Preferred T10 (Class A) $1,175.00 5. The Standard Life Term 10 (Profile 1) $1,200.00
6. AIG Life Preferred T10 (Pref Plus NS) $1,215.00 7. Co-operators Life Versatile 10 Year R&C (Class N1) $1,220.00 8. RBC Insurance Term 10 $1,220.00 9. Unity Life Preferred T10 (Class B) $1,230.0010. Unity Life Indexed Preferred T10 (Class B) $1,230.00
11. The Canada Life Term 10 (Diamond Plus) $1,250.0012. Great-West Term 10 (Super Pref) $1,250.0013. Manulife Financial Family Term-10 $1,269.1214. Manulife Financial Business Term-10 $1,269.1215. AXA Assurances(New Rates) Term 10 (Class N1) $1,270.00
16. London Life 10 Year Term Non-Par R&C (Super Pref) $1,275.0017. Co-operators Life Versatile 10 Year R&C (Class N2) $1,300.0018. AXA Assurances(Old Rates) Term 10 (Class N1) $1,330.0019. IA Pacific Life Axis T10 R&C (Elite) $1,335.0020. Industrial-Alliance Axis T10 R&C (Elite) $1,335.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 39
Premium Comparaison
55 Yr Male $1,000K
1. Reliable Life Merit T10 (Preferred Plus) $2,150.00 2. Transamerica Life TermSelect 10 R&C (Elite NS) $2,150.00 3. Assumption Life T-10 Plus (Elite NS) $2,240.00 4. The Standard Life Term 10 (Profile 1) $2,255.00 5. Unity Life Preferred T10 (Class A) $2,275.00
6. Unity Life Indexed Preferred T10 (Class A) $2,275.00 7. AXA Assurances(New Rates) Term 10 (Class N1) $2,335.00 8. AIG Life Preferred T10 (Pref Plus NS) $2,355.00 9. Co-operators Life Versatile 10 Year R&C (Class N1) $2,365.0010. Unity Life Preferred T10 (Class B) $2,385.00
11. Unity Life Indexed Preferred T10 (Class B) $2,385.0012. The Canada Life Term 10 (Diamond Plus) $2,390.0013. Great-West Term 10 (Super Pref) $2,390.0014. Manulife Financial Family Term-10 $2,424.3615. Manulife Financial Business Term-10 $2,424.36
16. RBC Insurance Term 10 $2,430.0017. London Life 10 Year Term Non-Par R&C (Super Pref) $2,440.0018. AXA Assurances(Old Rates) Term 10 (Class N1) $2,445.0019. Assumption Life T-10 Plus (Preferred NS) $2,510.0020. Co-operators Life Versatile 10 Year R&C (Class N2) $2,525.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 40
Premium Comparaison
55 Yr Female $250K
1. Reliable Life Merit T10 (Preferred Plus) $407.50 2. RBC Insurance Term 10 $432.50 3. Unity Life Preferred T10 (Class A) $450.00 4. Unity Life Indexed Preferred T10 (Class A) $450.00 5. AIG Life Preferred T10 (Pref Plus NS) $455.00
6. Transamerica Life TermSelect 10 R&C (Elite NS) $462.50 7. The Standard Life Term 10 (Profile 1) $472.50 8. Unity Life Preferred T10 (Class B) $475.00 9. Unity Life Indexed Preferred T10 (Class B) $475.0010. Co-operators Life Versatile 10 Year R&C (Class N1) $482.50
11. The Canada Life Term 10 (Diamond Plus) $497.5012. Great-West Term 10 (Super Pref) $497.5013. Manulife Financial Family Term-10 $504.8414. Manulife Financial Business Term-10 $504.8415. Assumption Life T-10 Plus (Elite NS) $505.00
16. London Life 10 Year Term Non-Par R&C (Super Pref) $507.5017. AXA Assurances Term 10 (Class N1) $510.0018. Co-operators Life Versatile 10 Year R&C (Class N2) $510.0019. RBC Insurance Term 10 (Class 2) $515.0020. Reliable Life Merit T10 (Preferred Non-Smoker) $520.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 41
Premium Comparaison
55 Yr Female $500K
1. Reliable Life Merit T10 (Preferred Plus) $765.00 2. RBC Insurance Term 10 $815.00 3. Unity Life Preferred T10 (Class A) $825.00 4. Unity Life Indexed Preferred T10 (Class A) $825.00 5. AIG Life Preferred T10 (Pref Plus NS) $835.00
6. Transamerica Life TermSelect 10 R&C (Elite NS) $845.00 7. The Standard Life Term 10 (Profile 1) $860.00 8. The Canada Life Term 10 (Diamond Plus) $865.00 9. AXA Assurances(New Rates) Term 10 (Class N1) $865.0010. Great-West Term 10 (Super Pref) $865.00
11. London Life 10 Year Term Non-Par R&C (Super Pref) $875.0012. Unity Life Preferred T10 (Class B) $875.0013. Manulife Financial Family Term-10 $876.1214. Manulife Financial Business Term-10 $876.1215. Co-operators Life Versatile 10 Year R&C (Class N1) $900.00
16. AXA Assurances(Old Rates) Term 10 (Class N1) $915.0017. IA Pacific Life Axis T10 R&C (Elite) $920.0018. Industrial-Alliance Axis T10 R&C (Elite) $920.0019. National Life NL Term 10 (Elite) $920.0020. Assumption Life T-10 Plus (Elite NS) $950.00
Company Product Initial Premium
Corporate presentation - Corporate Internal Communications - 10/04/23 - 42
Premium Comparaison
55 Yr Female $1,000K
1. Reliable Life Merit T10 (Preferred Plus) $1,480.00 2. AXA Assurances(New Rates) Term 10 (Class N1) $1,555.00 3. Transamerica Life TermSelect 10 R&C (Elite NS) $1,560.00 4. Unity Life Preferred T10 (Class A) $1,575.00 5. RBC Insurance Term 10 $1,580.00
6. AIG Life Preferred T10 (Pref Plus NS) $1,595.00 7. AXA Assurances(Old Rates) Term 10 (Class N1) $1,605.00 8. The Standard Life Term 10 (Profile 1) $1,605.00 9. The Canada Life Term 10 (Diamond Plus) $1,630.0010. Great-West Term 10 (Super Pref) $1,630.00
11. Assumption Life T-10 Plus (Elite NS) $1,650.0012. London Life 10 Year Term Non-Par R&C (Super Pref) $1,650.0013. Manulife Financial Family Term-10 $1,656.7214. Manulife Financial Business Term-10 $1,656.7215. Unity Life Preferred T10 (Class B) $1,675.00
16. Unity Life Indexed Preferred T10 (Class B) $1,675.0017. Co-operators Life Versatile 10 Year R&C (Class N1) $1,725.0018. IA Pacific Life Axis T10 R&C (Elite) $1,780.0019. Industrial-Alliance Axis T10 R&C (Elite) $1,780.0020. National Life NL Term 10 (Elite) $1,780.00
Company Product Initial Premium