INNOVATION January-February 2013

Can you afford the cost of being critically ill? Medical advances are making critical illness more survivable — but less affordable. Here’s how to ease the financial burden so you can focus on what’s important: your health.

Engineers Canada-sponsored Critical Illness Plan As an engineer, geoscientist or technology professional, you can apply for coverage ranging from $25,000 to $1 million. You will qualify to receive the entire benefit amount upon diagnosis of one of up to 18 common covered conditions, including life threatening cancer, heart attack or stroke. Plus, the plan also offers the following: • 100% return of premiums if you die from any cause and have not received payment of the Critical Illness benefit; • Savings on premiums for coverage of $125,000 or more; • Health Service Navigator ® gives free access to world-class medical second opinions and medical coordination services for you and your family, even if you’re not making a claim; • Your choice of Essential or Enhanced coverage for protection from 6 or 18 common life-threatening conditions respectively. This professional membership benefit is also available to your spouse. Learn more today — before rates increase on your next birthday.

“Most people buy life insurance first. But before you die, chances are you’re going to get sick first.”

82%

Adult Canadians who have been exposed to cancer, either personally or through a close friend or family member 2 Stroke sufferers who are left with an impairment or disability 3 There is one stroke every 10 minutes in Canada 3 There is one heart attack every 7 minutes in Canada 3

75%

10 minutes 7 minutes

“Canadians are more confident about physically surviving a critical illness than financially surviving it.”

1 Canadian Cancer Statistics, 2012. 2 Weighing Quality of Life in Cancer, Colorectal Cancer Association of Canada, March/April 2011. 3 Heart & Stroke Foundation Statistics. 4 Statistics Canada, Leading Causes of Death, 2009. Released July 2012. 5 Canadian Cancer Society, Majority of Canadians Worried about Cost of Cancer Drugs, September 2010. “Being able to put aside financial concerns is reason enough to get a critical illness plan.” Overcome government limitations. The strained public health care system has limited funding, resulting in soaring drug costs and waiting lists for treatment Supplement employer health plans. Many employer health plans are leaner than ever before, leaving the policyholder with more out-of-pocket responsibility Overcome loss of income. The critically ill usually have to take time off work for treatment and recovery. Their spouse may have to do the same to care for them Cover unanticipated costs. Co-pays, deductibles, prescriptions, medical supplies, childcare, housecleaning, transportation, meals and other costs add up • The 5-year survival rate for all cancers is 62% 1 • The survival rates for heart disease and stroke both went up 33% 4 • The #1 concern for those affected by cancer is getting government benefits to compensate for treatment costs and lost wages 2 • The average cost of a single course of treatment with newer cancer drugs is $65,000 5

LEARN MORE AND APPLY FOR: Engineers Canada-sponsored Critical Illness Plan www.manulife.com/APEGBC/CI 1-877-598-2273 (Monday-Friday, 8 a.m. to 8 p.m. ET)

Sponsored by:

Underwritten by The Manufacturers Life Insurance Company. Manulife, Manulife Financial, the Manulife Financial For Your Future logo and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.