Accidents can be financially devastating to your loved ones. The Accidental Death Plan can help protect your family should an accident claim your life.

For less than $10 a month you can be insured for up to $1,000,000 to help protect and provide for your family's future. Additional coverage for your spouse and children is available for only $2 a month.

The first 60 days of coverage is at no cost.

Issue Ages:

This plan is available to Credit Union Members between the ages of 18 and 80.

Plan Benefits Include:

• $1,000,000 for death resulting from an accident in a common carrier such as an airplane or bus;
• $150,000 for death resulting from an automobile accident; or
• $100,000 death benefit for any other accident.

Additional family coverage available.

As long as you are between the ages of 18 and 80, you cannot be turned down for coverage, regardless of your current health.

Your loved ones can use the benefit payout however they see fit. Many families use the cash to help pay for funeral expenses, medical costs, or even their children's education. It's financial support you can trust, for members of your credit union.

In the event of an unexpected crisis this supplemental insurance can help ease your family through a difficult time, as well as provide them with a more secure financial future.

NOTE:

• All benefits will be reduced by one-half (50%) if the Covered Person attains age seventy (70) before the date of the Injury or Loss.

Important Information about this plan

This is a summary of benefits only.

Complete information on the benefits, limitations and exclusions of coverage is contained in the Certificate of Insurance which will be issued by Canadian Premier Life Insurance Company, the underwriter of this group Plan.

60-Day Review Period

We want you to be confident you've made the right decision. When your certificate arrives, you'll have 60 days from the effective date stated on the certificate to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply cancel your certificate within the 60 days and you will owe nothing.

Exclusions and Limitations

This plan will not cover accidents that occur before the effective date.

Other exclusions and limitations include:

• intentionally self inflicted injury, suicide or attempted suicide, war or acts of war whether declared or not;
• the use or taking of any narcotic, barbiturate or any drug, unless taken or used as prescribed by a physician;
• the covered person's blood alcohol level is 80 mg of alcohol per 100 ml of blood or higher;
• the covered person is operating or riding in any kind of aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight;
• the covered person committing or attempting to commit a criminal offense;
• sickness, bodily or mental infirmity, or their medical or surgical treatment, including diagnosis or mental disease or disorder;
• voluntary gas inhalation or poison voluntarily taken, administered or inhaled;
• taking alcohol in combination with any drug, medication or sedative;
• West Nile virus however contracted; or
• military or combat activities while serving in the armed forces in any country or international authority.

This coverage is more than health insurance; it goes beyond to help provide your family with financial support when you're diagnosed, confined to the hospital, undergoing treatment or receiving hospice care.

The Cancer Insurance Plan provides $5,000 upon diagnosis of cancer, and $200 per day for up to a year if you're confined to the hospital. This money can be used however your family needs and with our affordable rates, it's a small price to pay for your family's well-being.

Issue Ages

This plan is available to Credit Union Members between the ages of 18 and 64.

Benefits Include:

• $5,000 upon diagnosis of cancer.
• $200 per day for hospitalization due to cancer.
• $100 per day during treatment, such as chemotherapy.
• $100 per day during hospice care.

You are guaranteed acceptance for enrollment with no prior diagnosis of cancer, and the first 60 days of coverage is at no cost to you. No matter what tomorrow may bring, this vital coverage can help protect your family and your finances.

The first two monthly premiums are at no cost.

NOTE:

• Benefit amounts provided in this Certificate will be reduced by one-half (50%) of that otherwise payable after a covered person attains age sixty-five (65) or five (5) years after the Certificate effective date, whichever is later.

Important Information about this plan

This is a summary of benefits only.

Complete information on the benefits, limitations and exclusions of coverage is contained in the Certificate of Insurance which will be issued by Canadian Premier Life Insurance Company, the underwriter of this group Plan.

60-Day Review Period

We want you to be confident you've made the right decision. When your certificate arrives, you'll have 60 days from the effective date listed on the certificate to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply cancel your certificate within the 60 days and you will owe nothing.

Exclusions and Limitations

There are exclusions from coverage, including:

• any claim that is not due directly to cancer;
• any cancer which first manifested before the Certificate effective date;
• any claim that is due to AIDS or related HIV condition;
• any form of skin cancer except malignant melanoma, Stage II or higher;
• any treatment involving a medication or other substance that is not approved for use by Health Canada;
• any service furnished by the covered person or a member of the covered person's immediate family or household; or
• any services or materials that are not medically necessary.

With affordable monthly premiums, no medical questions to answer and coverage that is no cost to Credit Union Members members for the first 60 days, you have nothing to lose. Receive financial help when you need it most and use the funds however you need.

Issue Ages:

This plan is available to Credit Union Members between the ages of 18 and 80.

Plan Benefits Include:

• Up to $1,000,000 in cash benefits for accidental death
• $75,000 death benefit for any accident;
• $150,000 for death resulting from an automobile accident;
• $1,000,000 for death resulting from an accident in a common carrier, such as a commercial airplane or bus.
• $150 a day in cash benefits for hospitalization due to an accident; $1,000 a day if hospitalized for an injury in the United States, Mexico or the Caribbean islands.
• $25,000 insurance coverage for permanent and total disability caused by an injury up to age 65.

The first two monthly premiums are at no cost.

NOTE:

• Permanent total disability coverage is limited to primary and spouse coverage and terminates at age sixty-five (65). All benefits will be reduced by one-half (50%) if the covered person attains age seventy (70) before the date of the Injury or Loss.

Important Information about this plan

This is a summary of benefits only.

Complete information on the benefits, limitations and exclusions of coverage is contained in the Certificate of Insurance which will be issued by Canadian Premier Life Insurance Company, the underwriter of this group Plan.

60-Day Review Period

We want you to be confident you've made the right decision. When your certificate arrives, you'll have 60 days from the effective date listed on the certificate to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply cancel your certificate within the 60 days and you will owe nothing.

Exclusions and Limitations

This plan will not cover accidents that occur before the effective date.

Other exclusions and limitations include:

• intentionally self inflicted injury, suicide or attempted suicide, war or acts of war whether declared or not;
• the use or taking of any narcotic, barbiturate or any drug, unless taken or used as prescribed by a physician;
• the covered person's blood alcohol level is 80 mg of alcohol per 100 ml of blood or higher;
• the covered person is operating or riding in any kind of aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight; the covered person committing or attempting to commit a criminal offense;
• sickness, bodily or mental infirmity, or their medical or surgical treatment, including diagnosis or mental disease or disorder;
• voluntary gas inhalation or poison voluntarily taken, administered or inhaled;
• taking alcohol in combination with any drug, medication or sedative;
• West Nile virus however contracted; or
• military or combat activities while serving in the armed forces in any country or international authority.

Losing a loved one to an accident or illness can happen at any time, and the effects can be emotionally devastating. Yet, many find that life insurance is out of their price range or hard to obtain if they're over 50. However, it's not too late to buy life insurance, and now is the best time to prepare financially for the future. The Graded Benefit Life Insurance Plan provides affordable protection to Credit Union Members ages 50 to 75 to help provide for your loved ones should an accident claim your life—and for any cause of death after two years of coverage.

Issue Ages

This plan is available to Credit Union Members between the ages of 50 and 75.

Plan Benefits Include:

• You can select $5,000, $10,000 or $20,000 of coverage.
• Guaranteed acceptance—no medical exam required.
• Three times the life insurance benefit for accidental death.
• Limited benefits for death due to natural causes in the first two years of coverage.
• Coverage for any cause of death after two years.

With Graded Benefit Life Insurance Plan, you can help ensure your family isn't left with a financial burden. Your beneficiary can use the money to help pay funeral costs, taxes, legal fees, medical bills or other expenses.

The first two monthly premiums are at no cost.

Important Information about this plan

This is a summary of benefits only.

Complete information on the benefits, limitations and exclusions of coverage is contained in the Certificate of Insurance which will be issued by Canadian Premier Life Insurance Company, the underwriter of this group Plan.

60-Day Review Period

We want you to be confident you've made the right decision. When your certificate arrives, you'll have 60 days from the effective date listed on the certificate to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply cancel your certificate within the 60 days and you will owe nothing.

Exclusions and Limitations

This plan will not cover accidents that occur before the effective date. Benefits payable for death due to natural causes is limited to the first two years of coverage.

Other exclusions and limitations include:

• intentionally self-inflicted or attempted suicide;
• war or acts of war whether declared or not;
• loss that results from the use or taking of any narcotic, barbiturate or any drug by the covered person, unless taken or used as prescribed by a physician;
• occurs while the covered person's blood alcohol level is 80 mg of alcohol per 100 ml of blood or higher;
• occurs while the covered person is a non fare-paying passenger or acting as a pilot or crew member in any aircraft;
• occurs while committing or attempting to commit a criminal offense;
• is due to disease, bodily or mental infirmity, or medical or surgical treatment of these;
• voluntary gas inhalation or poison voluntarily taken, administered or inhaled;
• taking alcohol in combination with any drug, medication or sedative;
• West Nile virus however contracted; or
• Military or combat activities while serving in the armed forces in any country or international authority.

IMPORTANT:

• If death occurs prior to the first anniversary of the Certificate's Effective Date, and is not the result of a Covered Accident, the amount of the Life Insurance benefit payable will be one hundred thirty percent (130%) of the first year annualized gross premium.
• If death occurs after the first anniversary and prior to the second anniversary of the Certificate's Effective Date, and is not the result of a Covered Accident, the amount of the Life Insurance benefit payable will be one hundred thirty percent (130%) of the first two years annualized gross premium.
• If your death results from suicide, regardless of the mental state of the insured, within two (2) years of the Certificate Effective Date or the date of any reinstatement of this Certificate, we will refund the total premium paid since the Certificate Effective Date or the date of the most recent reinstatement but we will not pay any benefit.
• Full death benefits will be payable for death occurring on or after the second anniversary of the Certificate's Effective Date.

Because an unexpected diagnosis can be devastating emotionally and financially, having a plan in place now is a wise financial move to ensure your family is taken care of later.

Issue Ages

This plan is available to Credit Union Members between the ages of 18 and 65.

Benefits Include:

• $50,000 lump-sum payment upon diagnosis of a covered critical illness.
• Coverage for cancer, heart attack, stroke or paralysis.
• Benefits are paid directly to you—to use as you want.

The Critical Illness Plan can help fill the gaps in your coverage to help maintain your standard of living while you recover. But remember, you must apply while you're still healthy. Once you become ill, you may not be eligible for this essential protection.

Important Information about this plan This is a summary of benefits only

Complete information on the benefits, limitations and exclusions of coverage is contained in the Certificate of Insurance which will be issued by Canadian Premier Life Insurance Company, the underwriter of this group Plan.

30-Day Review Period

If you're not totally satisfied that the plan meets your needs, simply cancel your certificate within 30 days and you will receive a full refund of any premiums paid.

Exclusions and Limitations

Benefits will not be paid for illness not related to Cancer, Heart Attack, Stroke and Paralysis.

To be eligible for the Critical Illness Benefit,

• Coverage must have been in place for more than thirty (30) days for Heart Attack, Paralysis or Stroke, and more than ninety (90) days for the Cancer benefit;
• the insured must also be living on the thirty-first (31st) day following the date of Diagnosis of Cancer, Heart Attack, Paralysis or Stroke by a Specialist; and
• be less than seventy (70) years of age at the time of such Diagnosis.

There are exclusions from coverage such as:

• No benefit will be payable for the following cancers:
• carcinoma in situ;
• stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without Clark level IV or V invasion);
• any non-melanoma skin cancer that has not metastasized;
• stage A (T1a orT1b) prostate cancer;
• borderline tumours and carcinoid tumours that have not metastasized; or
• AIDS or related HIV condition.
• No benefit will be payable under coverage for heart attack for:
• elevated biochemical cardiac markers as a result of an invasive cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty, in the absence of new Q waves; or
• ECG changes suggesting a prior myocardial infarction, which do not meet the Heart Attack definition.
• No benefit will be payable under coverage for stroke for:
• transient ischaemic attacks;
• intracerebral vascular events due to trauma; or
• lacunar infarcts which do not meet the definition of stroke.