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| Based on your feedback from our recent Term Life portfolio survey, we're introducing the first of many changes to boost your sales and save your clients money with RBC Insurance®. We are now offering: 
| Override on Term 10 to Term 20 exchanges | 
| $40 policy fee waived on Term 10 and Term 20 for coverage amounts from $250,000 to $25MM for the life of the policy, plus | 
| Expert sales advice and support on our life portfolio from your existing RBC Insurance Sales Consultant | In addition to these immediate savings and changes remember RBC Insurance Term 10 and Term 20 provides you and your clients with: For You | 
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| Competitive and affordable premiums | 
| Conversion to age 71 on base plans and riders | 
| Ability to expand base coverage through optional term riders including Term 10 and Term 20 with survivorship option | 
| Term 10 to Term 20 exchange option | 
| Term/CI bundle featuring policy fee waiver on term insurance |
| *LifeGuide standings applicable to face amounts $250,000 and $500,000 for Term 10: Ages 35 to 55, Term 20: ages 35 to 50 while RBC Term policy fee is waived and when compared to main competitors. As of May 11, 2015. We are committed to earning the right to be your client's first choice for term insurance - look forward to more exciting things to come! For more information, please contact your | 
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