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SUN LIFE FINANCIAL CANADA GROUP INSURANCE PLAN

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					        SUN LIFE FINANCIAL CANADA

             GROUP INSURANCE PLAN


   Technical Summary and Premium Charts

                        Effective from

   November 1st, 2003 to November 1st, 2004

                     Administrated by




                                    Member of Global Expert




      In collaboration with Services Financiers Jean Duranleau Inc.
1111 Dr.-Frederik-Philips blvd, Suite 200, Saint-Laurent (Quebec) H4M 2Y2
                 Tel : 514.745.8553 Fax : 514.332.4750
         www.jeanduranleau.com - jduranleau@jeanduranleau.com
                                      TECHNICAL SUMMARY



You will find hereafter a brief summary of the plan underwritten by the Sun Life of Canada, Insurance
Company of May 1st 1999. This new plan was designed to answer your basic needs in insurance with
reasonable costs. In order to better understand this new plan, we wrote some headlines of the benefits offered
to you.

This document is given as an information only and does not imply the Sun Life of Canada, Insurance
Company, for misinterpretations or errors. A detailled description of benefits pamphlet with the
insurance certificate is sent to all new insured members.


DEFINITIONS

ADMINISTRATOR means PROMÉDIC INC.

DEDUCTIBLE AMOUNT means initial Eligible Expenses incurred each year of reference for which there is no
reimbursement by the Insurer.

SICKNESS means Sickness or disease, which, unless disclosed by You on Your application, first manifests
itself while the insurance is in force and which results in a condition requiring treatment which is
recommended as medically necessary by a Physician.

INJURY means accidental bodily Injury which You or Your Insured Dependent sustains while insured under
this coverage and which directly and independently of all other causes, results in a condition requiring
treatment.

MEMBER means a member of the Association professionnelle des informaticiens et informaticiennes du Québec.

DEPENDENTS :

Spouse means a person who either : is married to you through an ecclesiastical or civil ceremony; or although
not legally married to you, cohabits with you and is publicly represented as a spouse in a relationship which
has been recognized as such in the community in which you reside for at least one year before a claim is
incurred; or as otherwise construed in accordance with section 2.2.#. of the Taxation Act (R.S.Q., chapter 1-3).

Child means an unmarried natural Child, step-Child or legally adopted Child : of the Insured Person or legal
Spouse, who may or may not reside with them but is fully dependent on them for support; or of the Insured
Person or the common-law Spouse, who is in the care and custody of both, residing with them and being fully
dependent on them for support. And :

1. is under 21 years of age
2. is under 26 years of age and a full-time student at an accredited institute of learning
3. is 21 years of age or more but is and continues to be incapable of self-sustaining employment by reason of
   mental or physical handicap that existed before the person’ s twenty-first birthday.


PROOF OF INSURABILITY means a declaration or proof of pre-existing medical condition will be required by
the Insurance Company to determine if the application is acceptable for insurance purposes only.




                                                       2
                                           BASIC LIFE INSURANCE


To be covered for an amount, you will be required to submit a satisfactory proof of insurability to Sun
Life if you enroll for the first time for this Coverage or if you wish to change to a higher number of
units.

Amount by unit         is 10 000 $, minimum 50 000 $ - maximum 500 000 $.

After 6 months of total disability, a Waiver of Premium is applicable.

Termination            at your attainment of age 70.

                                MONTHLY PREMIUMS IN UNITS OF 10,000 $
                                          (Member and spouse)
                                 Male              Male            Female                 Female
AGE GROUP
                              None-smoker         smoker        None-smoker               Smoker
     Less than 35                0, 68 $                1,09 $             0,41 $          0,68 $

        35 - 39                  0,85 $                 1,43 $             0,58 $          0,95 $

        40 - 44                  1,53 $                 2,89 $             0,89 $          1,60 $

        45 - 49                  2,38 $                 5,00 $             1,36 $          2,45 $

        50 - 54                  3,74 $                 7,75 $             2,21 $          3,74 $

        55 - 59                  5,78 $                11,12 $             3,40 $          5,78 $

        60 - 64                  9,85 $                19,55 $             5,58 $         10,20 $

        65 - 69                  19,33 $               38,32 $             10,93 $        19,99 $



                            BASIC LIFE INSURANCE FOR DEPENDENTS

To be covered for an amount, you will be required to submit a satisfactory proof of insurability to Sun
Life if your spouse enrolls for the first time for this Coverage or wishes to change to a higher number
of units.

An optional amount for your Spouse under 70 years of age : You may choose units of 10 000 $, for a
minimum of 50 000 $ up to a maximum of 500 000 $. This amount is available for your spouse and cannot
exceed your personal life coverage.

(*)Please refer to the above premium chart to calculate the premium

No proof of insurability is required for Dependent Children if you apply for Life Insurance for
Dependent Children at the same time as your initial Life Insurance application.

An optional amount for each Dependent Child who is 15 days of age or older : (1 000 $ per child less
than 15 days of age).



                                 MONTHLY PREMIUM PER DEPENDENT CHILD
                                       UNIT                 MONTHLY PREMIUM

                                     10 000 $                     3,00 $

                                                        3
                    ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE
To be eligible for this Coverage, you must be covered under the Basic Life Insurance.

To be covered for an amount, you will be required to submit a satisfactory proof of insurability to Sun
Life if you enroll for the first time for this Coverage or if you wish to change to a higher number of
units.

Amount per unit        of 10 000 $, maximum           500 000 $.   The amount cannot exceed your basic life
insurance.

Termination :         at your attainment of age 70.

Insured and spouse only :
spouse - 50 % of insured capital

Insured with spouse and dependent children :
spouse - 40 % of insured capital
each child - 10 % of insured capital

Insured with dependent children only :
Each child – 20 % of insured capital of Insured (up to 50 000 $)


                                   MONTHLY PREMIUM PER UNIT OF 10 000 $
       Per person                     0,47 $                 Family                         0,73 $




                                                         4
                                           DRUGS INSURANCE
Proof of insurability :       None

Termination : At your 70 years of age or at your retirement

The claims are settled by Promédic Inc., within 10 working days upon receipt.

                                     COVERAGES/MONTHLY PREMIUMS
OPTION I – Deductible 100 $/200 $ - Co-Insurance of 80 %

      AGE GROUP                Insured           Single-parent       Couple     Family

     Less than 35              16,09 $               25,37 $         33,82 $    54,57 $

        35 - 39                16,09 $               25,37 $         33,82 $    54,57 $

        40 - 44                22,19 $               34,90 $         46,52 $    78,78 $

        45 - 49                22,19 $               34,90 $         46,52 $    78,78 $

        50 - 54                22,19 $               34,90 $         46,52 $    78,78 $

        55 - 59                33,36 $               43,08 $         66,28 $    79,53 $

        60 - 64                48,61 $               62,25 $         95,78 $    95,78 $



                                     COVERAGES/MONTHLY PREMIUMS
OPTION II – Deductible 750 $/1500 $ - Co-Insurance of 100 %

      AGE GROUP                Insured           Single-parent       Couple     Family

     Less than 35               7,90 $               9,36 $          16,60 $    26,78 $

        35 - 39                 7,90 $               9,36 $          16,60 $    26,78 $

        40 - 44                10,89 $               12,91 $         22,89 $    36,94 $

        45 - 49                10,89 $               12,91 $         22,89 $    36,94 $

        50 - 54                10,89 $               12,91 $         22,89 $    36,94 $

        55 - 59                15,88 $               18,83 $         33,37 $    37,29 $

        60 - 64                23,86 $               28,29 $         50,13 $    44,91 $




                                                       5
                                        EXTENDED HEALTH INSURANCE

You have to be covered for a minimum of 50,000$ of Life Insurance to be eligible for this coverage.

Termination :          At your attainment of age 70

The claims are settled by Promédic Inc., within 10 working days upon receipt.


                                                  OPTION I                    OPTION II                  OPTION III
                                                (Deductible of              (Deductible of              (No Deductible)
EXTENDED HEALTH                                  100$/200$)                  250$/500$)               Reimbursement
                                              Reimbursement               Reimbursement                 per person
                                                per person                   per person

Prescribed drugs                                      80 %                       80 %                     Not covered

                                               No deductible               No deductible               No deductible
                                                   100 %                       100 %                       100 %
Hospitalization (semi-private)
                                               100 $ per day               100 $ per day               100 $ per day
                                              maximum 60 days             maximum 60 days             maximum 60 days
Ambulance transportation
                                                      80 %                       80 %                        80 %
Emergency Air Ambulance
                                               No deductible                No deductible               No deductible
Convalescence Hospitalization                     100 %                         80 %                        80 %
                                             maximum 120 days             maximum 120 days            maximum 120 days
Massotherapist-Physiotherapist- Speech
                                                                                                             80 %
therapist -Acupuncture                              80 %                          80 %
                                                                                                       1 000 $ per year
Podiatrist-Chiroprator-Naturopath-            1 000 $ per year               750 $ per year
                                                                                                        per person for
Osteopath-*Psychologist        *medical         per person for                per person for
                                                                                                         this group of
recommandation required for this service this group of pratictioners   this group of pratictioners
                                                                                                         pratictioners
only
Laboratory, radiology, electrocardiogram            80 %                         80 %                        80 %
scan, ultrasound for diagnostic                maximum 500 $               maximum 500 $                maximum 500 $
procedures only                                    per year                     per year                    per year
                                               80 % maximum                 80 % maximum                80 % maximum
Nursing care
                                              10 000 $ per year            10 000 $ per year           10 000 $ per year
                                            80% lifetime maximum        80 % lifetime maximum        80% lifetime maximum
Capillary prostheses (chimiotherapy)
                                              500$ per person              500 $ per person            500 $ per person
                                               80 % maximum                80 % maximum                80 % maximum
Orthopaedic shoes
                                                per year 300 $              per year 300 $              per year 300 $
                                               80 % maximum                80 % maximum                80 % maximum
Hearing Aids
                                             500 $ per 36 months         500 $ per 36 months         500 $ per 36 months
                                               80 % maximum                80 % maximum                80 % maximum
Eye exam                                       50 $ per person             50 $ per person             50 $ per person
                                                per 24 months               per 24 months               per 24 months
Casts, splints, crutches, rental of a
wheelchair, hospital type bed, device for
artificially maintaining respiration,
                                                      80 %                       80 %                        80 %
oxygen and rental of equipment for the
administration of oxygen, diabetic and
medical supplies
                                                No deductible               No deductible                No deductible
Accidental Dental – Repair or replacement
                                                  Maximum                     Maximum                      Maximum
of sound natural teeth
                                             5 000 $ per accident        5 000 $ per accident         5 000 $ per accident
                                                No Deductible               No deductible                No deductible
Travel Insurance and Emergency Travel
                                               100 % maximum               100 % maximum                100 % maximum
Assistance
                                                 1 000 000 $                 1 000 000 $                  1 000 000 $




                                                             6
               EXTENDED HEALTH INSURANCE (suite)


                           MONTHLY PREMIUMS
                    OPTION I – Deductible 100 $/200 $

AGE GROUP      Insured          Single-parent           Couple     Family

Less than 35   22,73 $             35,82 $              47,76 $    75,73 $

  35 - 39      29,17 $             45,95 $              61,27 $    103,53 $

  40 - 44      35,03 $             55,09 $              73,46 $    124,43 $

  45 - 49      43,93 $             68,88 $              91,83 $    156,17 $

  50 - 54      55,29 $             86,10 $              114,80 $   172,22 $

  55 - 59      70,05 $             93,28 $              143,51 $   172,22 $

  60 - 64      90,93 $             116,44 $             179,13 $   179,13 $

                           MONTHLY PREMIUMS
                   OPTION II – Deductible 250 $/500 $

AGE GROUP      Insured          Single-parent           Couple     Family

Less than 35   15,25 $             24,03 $              32,08 $    50,87 $

  35 - 39      19,57 $             30,83 $              41,14 $    69,54 $

  40 - 44      23,50 $             36,97 $              49,33 $    83,58 $

  45 - 49      29,48 $             46,21 $              61,66 $    104,89 $

  50 - 54      37,09 $             57,77 $              77,09 $    115,68 $

  55 - 59      47,01 $             62,58 $              96,37 $    115,68 $

  60 - 64      61,02 $             78,12 $              120,30 $   120,32 $

                           MONTHLY PREMIUMS
                         OPTION III – No deductible

AGE GROUP      Insured          Single-parent           Couple     Family

Less than 35   18,18 $             28,67 $              38,22 $    60,58 $

  35 - 39      23.34 $             36,75 $              49,02 $    82,83 $

  40 - 44      28,02 $             44,07 $              58,76 $    99,54 $

  45 - 49      35,15 $             55,09 $              73,47 $    124,93 $

  50 - 54      44,22 $             68,89 $              91,84 $    137,77 $

  55 - 59      56,04 $             74,62 $              114,80 $   137,77 $

  60 - 64      72,74 $             93,14 $              143,31 $   179,13 $


                                     7
                                                      DENTAL INSURANCE

You have to be covered under the Extended Health Insurance to be eligible for this coverage.

Deductible:                     None

Co-Insurance :                  80%

Dental Fee Guide:               The dental association fee guide for general practitioners, in the province where the
                                covered person resides permanently, the guide in effect on the date the service is
                                rendered.

Maximum:                        750,00 $ per person, for first year of coverage
                                1 500 $ per person, for subsequent years

Termination :                   At your attainment of age 70

List of covered services:

-   Diagnostic services
-   Preventive services
-   Restorative services
-   Endodontics
-   Periodontics
-   Oral surgery
-   Repair and relining of dentures
-   Space maintainers for dependent child less than 16 years of age


                                                        MONTHLY PREMIUM
Insured                                        34,68 $           Single-parent                          51,85 $

Couple                                         69,13 $           Family                                 82,56 $




                                                                      8

				
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