Global Insurance Solutions

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Global Insurance Solutions

• Committed to providing you and your family
  financial peace of mind.

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Who we are

• Global Educational Marketing Corporation was
  founded in 1997 as the manufacturer and
  distributor of the Global Educational Trust Plan,
  Canadas unique and flexible Registered Education
  Savings Plan (RESP)
• Global Insurance Solutions is our financial
  services subsidiary offering financial and estate
  planning advice and access to a wide range of
  insurance product solutions.
• Sound advice and sound solutions allow us to meet
  our commitment to provide you and your family
  financial peace of mind.
• Please visit us at www.gisi.ca

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The Financial Planning Process at Global
Committed to providing you and your family
financial peace of mind.
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How Important is Your Income?

• Your ability to earn an income is your primary
  financial contribution to your family.
• Your income secures a comfortable standard of
  living for them today and for you tomorrow.
• Premature death, disability and old age will
  destroy your earning power.
• When you cannot go to work, you must have a
  sufficient fund of dollars to put to work to
  replace your income.

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What Would Happen to Your Family if You Died?

• How will you guarantee them food, clothing and
  shelter?
• What about the mortgage or rent payments?
• How will they pay for last expenses and fees?
• What about your outstanding debts and
  liabilities?
• How will you guarantee your childrens future
  through a good education?
• How long could your family survive without the
  bills paid and a regular and guaranteed source of
  income?

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Family Security Analysis

• When an income provider dies, his/her family
  faces two important money needs
• Immediate Cash
• Continuing Income
• Your confidential Family Security Analysis will
  help you measure the gaps between your familys
  needs and currently available resources.

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Family Security Analysis
Cash Required (1) Last Expenses
___________ Debt ___________ Mortgage ________
___ Education ___________ Other ___________ Tota
l _________ Cash Available (2) Savings
___________ Investments ___________
Personal Insurance ___________ Group
Insurance ___________ Government
Plans ___________ Total _________ Cash
Surplus (3) or Deficit (4) _________ (1) - (2)
(3) or (4)
Income Required (5)
__________ Income Sources Invested Surplus
(3) x __ __________ Survivors Employment
Income __________ Government Plans __________ Oth
er __________ Total (6)
__________ Income Deficit (7)
__________ (5) - (6) (7) Capital Required
(a) __________ (7) divided by
__ Total Insurance Required
__________ Deficit (4) Capital (a)
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Unplanned Choices for the Non-Insured

• Your family could re-mortgage or move.
• They could collapse their savings program.
• You could deny your children an education.
• They could rely on family, charity or welfare.
• They might borrow money if they could find a
  willing lender.
• They could drastically reduce their standard of
  living.

Is this what you would want for them?
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The Insured Solution

• Pays a tax free lump sum amount to your family at
  their worst moment of crisis.
• You create needed dollars tomorrow for only
  pennies today.
• Your family can choose where to direct the money
• Pay off the immediate bills
• Eliminate the mortgage
• Invest for a continuing source of income
• Put aside for the childrens education

Provide your family financial peace of mind
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Build Your Own Program

• Option A Term Insurance Coverage
• Low initial cost
• Face amount paid at death
• Rates increase over time
• Future conversion to Option B available
• Option B Permanent Insurance Coverage
• Level premiums for life
• Built-in flexibility at several levels
• Face amount paid at death
• Grows cash values for your future security
• Option C Combination Coverage
• Combine Options A B to create your own unique
  program to suit your budget and family needs

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Lets See if you Can Qualify Today

• The best time to apply for insurance is now,
  while you are young and healthy.
• Life insurance is like a parachute when you
  really need it, you cant get it!
• A small deposit with your application can start
  your coverage immediately, subject to certain
  restrictions.
• If you cannot qualify, your deposit will be
  returned in full.
• If you do qualify, you will have a 10 day period
  to examine the policy and return it with no
  questions asked if you change your mind.

Is there any reason why you shouldn't take
action today?
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Our Strategic Insurance Partner

• A leader in the life insurance business in Canada
  since 1899
• Licensed in all Canadian provinces and
  territories
• National Life has an A (Excellent) rating from AM
  Best Company
• It was first rated in 1992 and has maintained
  this rating every year since
• A member of the Industrial-Alliance Group of
  Companies, one of Canadas top life insurance
  providers
• A member of The Canadian Life and Health
  Insurance Compensation Corporation (CompCorp)