INSURANCE HEALTH PENSIONS LIFE. Lifestyle Protection

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1 INSURANCE HEALTH PENSIONS LIFE Lifestyle Protection

2 INSURANCE HEALTH PENSIONS LIFE Lifestyle protection your way CGI: we are here to help you on your terms and how you prefer to see things done.you will receive assistance in making good decisions every step of the way in becoming a customer with CGI. With CGI, you can find security, cover, service, value and first-class advice for protecting your lifestyle. Colonial Group International Ltd. is a company with commercial operations in COLONIAL GROUP INTERNATIONAL (CGI) BERMUDA: COLONIAL INSURANCE COLONIAL MEDICAL COLONIAL LIFE COLONIAL PENSIONS Bermuda and the Caribbean.The Group comprises independently incorporated companies offering local expertise for insurance, employee benefits (pensions and health), life cover and investment products. Insurance and investment products are supported by international partners. THE BAHAMAS: ATLANTIC MEDICAL COLONIAL PENSION SERVICES (BAHAMAS) SECURITY & GENERAL INSURANCE Jardine House, Bermuda. Atlantic House,The Bahamas. BritCay House, Cayman Islands. THE CAYMAN ISLANDS: BRITISH CAYMANIAN INSURANCE COLONIAL LIFE BRITISH VIRGIN ISLANDS: COLONIAL INSURANCE (BVI)

3 We need an insurance company where people come first. Is CGI the right partner for you? Lifestyle protection your way protects the homes, cars and personal finances of customers who need real value-for-money To help you decide if CGI is the right company for you, let us discuss your need for: cover with quality customer and claims service.you will receive cover that's rich in benefits and service that can only come from a company where people come first - CGI. financial security cover and benefits service value first-class advice 3

4 We need to know that we have a friend when it matters most.

5 Security: you re in safe hands with CGI. CGI is here to help with market-leading products and services trusted by thousands of customers at home and overseas. Supporting you now and in the future CGI can protect your lifestyle with the best insurance cover and benefits for your money, supported by the resources of a trusted regional provider with local roots. CGI manages $300 million in premiums and contributions each year.the Group has paid over $330 million in claims for 11 hurricanes since 2000.This experience means the Group knows how to perform in a crisis and has the resources to put things right quickly. For long-term protection, from insurance to financial planning, your products and services can be adapted to suit your circumstances as your life and needs change. INSURANCE HEALTH PENSIONS LIFE 5

6 INSURANCE HEALTH PENSIONS LIFE Cover and benefits: the best products at the best possible price. CGI is here to help make your money work harder. CGI is concerned with preserving lifestyles and livelihoods. Products and services include home and motor insurance, individual life and investments and health and pensions services to employers. Thousands of customers enjoy saving money with CGI for home and motor insurance. From health insurance with 50,000 members to low cost life cover, CGI offers the best cover and benefits at the best possible price. The cost efficiencies and purchasing power of a large insurance group help to provide first-rate price, cover and benefits.

7 We need value, cover and care that leaves money to spend on the good things in life. 7

8 I need customer service which is friendly, acts quickly and keeps me informed.

9 Service: your needs come first. CGI is here to help you with the highest levels of customer care. Making you feel valued as a customer. Your need to enjoy your lifestyle doesn't stop because of an accident, storm or other risks that could affect your home, your finances or your possessions. CGI has created a company where people come first.this includes an investment in claims handling and service efficiencies to achieve the highest standards of customer care. Health claims are settled typically within 5-7 business days with 99% accuracy. Pension financial statements are ready the 27th day of each calendar month. Motor and home insurance claims are quickly processed, saving money with generous deductibles and extra benefits. Service efficiencies save you time and hassle, cut costs, reduce errors and ensure your needs are answered quickly and fairly. INSURANCE HEALTH PENSIONS LIFE 9

10 Value: more for your money CGI is here to help you with products and services rich in value and competitively priced. How you value a product is about price, cover and service. For price, CGI can help you save money when you purchase cover and, for motor customers, when you claim. Pricing is realistic, meaning you will always be backed by the right amount of cover for your money. Cover is second to none and comes with choice and flexibility. Home insurance customers can pay by interest-free installments and life customers can purchase $300,000 cover for as little as $9 per week. Flexibility allows you to choose the best type of cover for your circumstances and your budget.

11 We like good value and we value good choice. INSURANCE HEALTH PENSIONS LIFE 11

12 We like to feel that we have made the right choices.

13 Advice: giving you the power to choose well. CGI is here to help with the best advice and professional support. Helping you make informed decisions. High standards govern advice and customer care to make sure you are satisfied and confident with the products and service you receive. Becoming a customer starts with a conversation to understand your needs and assess your best levels of cover and service.you can then make informed decisions about flexible products and services to support your lifestyle in the most cost-effective way. You will receive advice from well-trained, qualified and experienced professionals who will help you with your financial planning issues. INSURANCE HEALTH PENSIONS LIFE 13

14 How to protect your lifestyle with CGI You can contact us by phone or via where a comprehensive inquiry form allows you to make selections on line.you will then be contacted to arrange a meeting, or to receive information at your convenience. If you simply need a quote, we can respond. Alternatively, you can discuss your options for family protection, personal retirement planning and insurance for your home, car, possessions and travel. We can provide a free, no-obligation review of your needs and budget. All you have to do is leave the rest to us.

15 INSURANCE HEALTH PENSIONS LIFE CGI applies a code of conduct for all employees in respect of their relationships with customers and colleagues. CGI will: Conduct business with the highest level of personal and corporate ethics Act fairly and reasonably with customers Endeavour to provide information that is clear and not misleading Arrange assets to be safeguarded by way of segregated accounts in compliance with applicable laws Provide enough information and help so that customers can make an informed decision before committing to an insurance/pension/investment product Employ only such persons who are knowledgeable and capable in dealing in our products and services Handle claims fairly and promptly Handle complaints fairly and promptly Respect customer rights to privacy Be open and forthright with our regulators Standards are defined by principles 15 IMPORTANT:This document does not constitute a contractual offer and the product details contained herein are subject to change by CGI and its affiliates and subsidiaries from time to time without notice. Please contact CGI directly for the current product benefits and terms.

16 Jardine House Reid St Hamilton HM 12 Bermuda Tel.( 441) Fax. (441) Colonial Insurance Jardine House, Reid Street Hamilton HM 12, Bermuda P.O. Box HM 1559, Hamilton HM FX Tel. (441) British Caymanian Insurance BritCay House, 236 Eastern Avenue George Town, P.O. Box 74, Grand Cayman KY1-1102, Cayman Islands Tel. (345) Colonial Insurance (BVI) Palm Grove House, P.O. Box 2377 Road Town,Tortola British Virgin Islands,VG1110 Tel. (284) Security & General Insurance Atlantic House 2nd Terrace and Collins Avenue, P.O. Box N-3540 Nassau, Bahamas Tel. (242) Atlantic Medical Insurance Atlantic House 2nd Terrace & Collins Avenue, P.O. Box SS-5915 Nassau, Bahamas Tel. (242) Colonial Pension Services (Bahamas) Atlantic House 2nd Terrace & Collins Avenue, P.O. Box SS-6246 Nassau, Bahamas Tel. (242) Colonial Group International Ltd. Jardine House, Reid Street, Hamilton HM 12, Bermuda P.O. Box HM 1559, Hamilton HM FX Tel. (441) Insurance, Health, Pensions, Life Colonial Group International is rated A-(Excellent) by AM Best. CGIB2C0910-1