A PARTNER YOU CAN TRUST. WHO HAS A REASSURING COMBINATION FOR PARENTS AND CHILDREN?

A PARTNER YOU CAN TRUST.

WHO HAS A REASSURING

COMBINATION FOR PARENTS

AND CHILDREN?

Have you thought about life insurance for your child?

?

By purchasing life insurance for your child today, you are protecting his future.

WHY INSURE YOUR CHILD?

4 good reasons to offer your child life insurance:

GIVE YOUR CHILD A FINANCIAL HEAD START

Take advantage of the fact that he is youngand healthy to benefit from a reduced premium.

Ensure your child’s future insurability while he’s young and healthy (it’s easy now).

Offer a gift for life. He’ll thank you when he’s older.

Guaranteed and affordable insurance coverage for his entire life, regardless of his future state of health and chosen occupation.

Over time, your children’s insurance needs will grow. Help ensure your child’s future insurability.

0 to 20 years

Life & Health Duo$50,000

Life insurancebonus + 40%

+ $20,000

$70,000 paid-upGuaranteed insurability

+ $50,000

Guaranteed insurability

+ $50,000

Between 15 and 20 years 20 years 25 years


Protect savings

Protect debts

Protect the family’s future

Protect future

generations

30 years

According to financial needs analyses, it is recommended that parents obtain:

WHY INSURE MY CHILD?

Life insurance for their child while he is young and healthy

and

Critical illness insurance so you may stay at yourchild’s bedside in case of illness

None of us like to think about the possibility of a child suffering from a critical illness. However, statistics show that illness can strike at any age.

Childhood cancer is the 2nd highest cause of death among children age 1 to 14 in Canada

One child in 400 risks being stricken with cancer before age 15

Three out of four children stricken with cancer will recover

Source: Canadian Childhood Cancer Surveillance and Control Program (CCCSCP)


Even though we can’t eliminate the risk of a critical illness for your child, we can give you the means to get through this trying period.


Provide you with the financial resources to take an Unpaid leave and be at your child’s side during his treatments and convalescence Reduce the financial worries often related to an illness

Be able to pay additional expenses related to your child’streatment plan:

• drugs not covered by the public plan, medical care far from your primary residence or in a private clinic, etc.

Protect your hard-earned savings to enjoy life to the fullest when he recovers.

CHILD LIFE & HEALTH

DUO

It may be financially difficult for parents to fulfil their own coverage needs as well as those of their children, which means that they have to compromise


Whole life insurance coveragecombined with early payment of 50%of the face amount in case of critical illness

Possibility to enhance the life and critical illness insurance at age 15 at no additional cost

The opportunity to convert the term critical illness coverage into permanent coverage at age 30

Because we believe that you shouldn’t have to compromise, let us help you watch over your child

When he reaches adulthood, your child will benefit from coverage for life, with no premium payments, regardless of his state of health.


Example:Joan, age 8, diagnosed with leukemia

Treatments spread out overa 2-year period

Joan’s mother works part-time and tookunpaid leave to stay with her daughter

The loss of income and medical expenses represents about $1,350 per month

In addition to being shaken up emotionally, the family’s financial situation becomes difficult


Joan’s grandmother had the foresight to buy the Child Life & Health Duo, which provided her parents with financial support

$50,000 in life insurance coverage, combined with

$25,000 in critical illness coverage

A benefit equal to $1,041 per month for a 2-year period, enough time for Joan to get better

Once well again, Joan will keep her life insurance coverage for life. In adulthood, she will be able to keep her insurance and ensure her family’s financial protection.


CHILD LIFE & HEALTH

DUO

Your advisor will help you determine the coverage that best meets your needs and those of your children


The only insurer to offer coverage according to the child’s growing needs, with a potential 40% increase in coverage at age 15, at no additional cost (offered exclusively by IA Group)

Why do the parents of 1 out of 5 insured children in Canada place their trust in the Industrial Alliance group?

Benefit to increase the coverage when certain life events occur (graduation, marriage, parenthood, etc.)

Varied premiums because each family has a different budget and different needs

Complementary coverage such as accidental fracture and the hospitalization benefit, because children are always active

CHILD LIFE & HEALTH

DUO

WHY INSURE YOUR CHILD WITH US?


Protect savings

Over time, your children’s insurance needs will grow

0 to 20 years

Life & Health Duo$50,000

Critical illness: $25,000

Life insurancebonus + 40%

+ $20,000

$70,000 paid-up

Insurance bonus – Critical illness + 40%

+ $10,000


+ $50,000


+ $50,000

Protect debts

Protect the family’s future

Protect future

generations

Between 15 and 20 years 20 years 25 years 30 years

Child Life & Health DuoProtects children and reassures parents!

A PARTNER YOU CAN TRUST.

A PARTNER YOU CAN TRUST. WHO HAS A REASSURING COMBINATION FOR PARENTS AND CHILDREN?

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