TD 10‑YEAR TERM LIFE INSURANCE

SAMPLE

TD 10YEAR TERM LIFE INSURANCE

Policy Package

Your TD 10Year Term Life insurance policy # 123 456 789 is enclosed in this booklet

TD Insurance TD 10-Year Term Life insurance

WELCOME TO TD INSURANCE

Thank You For Choosing TD 10Year Term Life insurance

Life insurance is the cornerstone of a sound financial plan. With TD 10Year Term Life insurance, you've taken an important step in protecting the financial security of your loved ones, if you were to die. Please read your policy carefully to ensure you fully understand the benefits it provides, and keep it in a safe place with your other important documents. Please complete the Beneficiary Designation Form on the last page of this booklet and

S A M P L E return it in the enclosed postage-paid envelope.

2 TD 10-Year Term Life insurance | Policy Package

Insurance Policy

Policy Schedule

6

Premiums Summary

7

If You Change Your Mind Within 30 Days

8

Definitions of Terms We Have Used

8

Eligibility

9

How the Death Benefit is Calculated

9

When We Will Not Pay an Insurance Benefit

10

S A M P L E Paying For Your Policy

Your Right to Convert To a Permanent Life Insurance Policy Making a Claim When Insurance Coverage Ends Renewal Beneficiary Assignments and Other Documents General Provisions

10 11 12 12 12 13 13 14

Waiver of Premiums Benefit

16

Declaration and Authorization

19

Other Information

Privacy Agreement

21

Beneficiary Designation Instructions and Form

35

Your Health Question Confirmation Responses

40

Please read your policy carefully and keep it as your permanent record of coverage.

TD Insurance TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

January 1, 2018

Jane Sample Address City, PR A1A 1A1

TD Insurance TD 10-Year Term Life insurance

Your TD 10Year Term Life insurance could provide a valuable tax-free benefit for your family when they need it most

Dear Jane Sample,

S A M P L E Thank you for applying for TD 10Year Term Life insurance coverage, underwritten by TD Life

Insurance Company (a member of the TD Bank Group). By accepting this important coverage, you've joined the thousands of TD customers who feel confident that they've made a wise financial decision ? for themselves, and for the people who depend on them.

Your Insurance Policy, which starts on page 6 of this booklet, describes the benefits of your coverage as well as the exclusions and limitations. Please read it carefully and keep it in a safe place with your valuable papers.

Please review the following documents for accuracy and retain for your records:

Your Health Question Confirmation responses

Privacy Agreement

If any of the answers are incorrect or incomplete, contact us immediately at 18887880839, as this could affect your insurability. Any applicable Endorsements to this policy will be mailed to you separately and will form part of the policy.

Your insurance took effect on January 1, 2018. As you requested your first monthly premium is scheduled to be deducted from your payment account on January 1, 2018 and thereafter on the first of every month.

The benefits from your policy will be paid to the beneficiary you name in the Beneficiary Designation Form on the last page of this booklet. Please complete the Beneficiary Designation Form and mail it to us in the enclosed postage-paid envelope. If no beneficiary is named, the benefits will be paid to your estate.

All trade-marks are the property of their respective owners. ?The TD logo and other TD trade-marks are the property of The Toronto-Dominion Bank. 4 TD 10-Year Term Life insurance | Policy Package

TD Insurance TD 10-Year Term Life insurance

As long as your premiums are paid when due, your TD 10Year Term Life insurance will renew automatically for successive 10year terms, with no medical examination required, providing continuous coverage until your 80th birthday. Premiums are fixed for each 10year term and are guaranteed not to increase until each renewal date, regardless of your age or changes in your health.

Coverage can be converted from term life insurance to permanent life insurance at any time up to and including the policy anniversary nearest the insured's 69th birthday ? again, with no medical examination required.

This convenient, straightforward and affordable coverage is also available to your spouse, partner or other family members. Applying is as simple as visiting or calling the number below.

S A M P L E You have 30 days from the date of this letter to review your policy. During that time, you will be

insured as outlined in the policy. If you're not completely satisfied and wish to cancel coverage, simply contact us within the 30 day period. Any premium charged to your account will be promptly refunded in full.

In this booklet, we have provided answers to some frequently asked questions about term life insurance. If you still have questions, call tollfree 18887880839, Monday to Friday, 8 a.m. to 10 p.m. (ET) and Saturday 9 a.m. to 6 p.m., (ET), to speak to a licensed TD Insurance representative.

Again, thank you for choosing TD Insurance. We appreciate your business and look forward to serving you and your family.

Sincerely,

Mark Hardy Associate Vice President, Direct Life & Health TD Life Insurance Company

*TD Life Insurance Company is the authorized administrator for this insurance. For more details on insurer and/or administrator information, please refer to the Insurance Policy. All trade-marks are the property of their respective owners. ?The TD logo and other TD trade-marks are the property of The Toronto-Dominion Bank.

TD 10-Year Term Life insurance | Policy Package 5

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