Why HomeProtector makes sense when it comes to protecting you and your family.

1. Why do I need protection?
2. Do I need more coverage if I already have coverage through work?
3. Couldn't my estate just sell my assets if I die?
4. Isn't term insurance better value?

1. Why do I need protection?

If you lose your job, any group disability insurance coverage through work terminates, you and your family could be left without coverage.

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2. Do I need more coverage if I already have coverage through work?

Typically employers only provide coverage that amounts to 1 to 2 times your salary in the event of your death, and about two-thirds of your income if you become disabled.

• Would you be able to manage with a third less income and increased expenses?
• And, if you leave your job or become self-employed, you lose your coverage

HomeProtector life and disability insurance will take care of your debt while allowing your existing employee coverage to take care of your family.

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3. Couldn't my estate just sell my assets if I die?

They could, but are those assets enough to cover your debts and look after your family's immediate and long-term needs? And what would happen if your family had to suddenly sell your assets in a down market to pay off your debts? HomeProtector life and disability insurance means that your existing financial plan can remain intact.

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4. Isn't term insurance better value?

It's true that term life insurance can provide for your family's future and may be an important part of your financial plan. But HomeProtector is a quick, convenient and cost effective way to ensure your debts are looked after. The cost of HomeProtector versus a term policy is usually much lower over the life of the mortgage. Other features of HomeProtector are:

• Premiums don't increase with age unless you refinance or increase your mortgage balance
• Just a few short health questions to answer and in most cases no medical exam is required
• Offers you the protection of single or joint life and disability coverage

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