Group Benefits and Individual Insurance Providers

1. Group Benefits and Individual Insurance Providers - Barclay Insurance Services Inc. Group Benefits :For the past 30 years, Barclay Insurance has worked as a trusted insurance advisor to businesses to help them secure their ongoing continued success. With our extensive experience and expertise in the group insurance industry. Business Insurance :We offer innovative insurance products for businesses. These include solutions for tax minimization, retirement planning, business succession and exit strategies, loan protection, and making cash available for unexpected changes in your business. We design customized products to give you the flexibility and protection you need, when you need it. Business Loan Insurance :You recognize the importance of using credit in building your business. Much of your company's success depends on meeting its financial obligations and reducing risks wherever possible. So what if something should happen to you or one of your partners and your company isn't able to make payments on outstanding loans? Business loan insurance can help manage the

2. unexpected – the loss of a co-owner or partner due to death or if you or a partner becomes seriously ill or injured. Buy/Sell Insurance : Barclay Insurance works with your accountant and lawyer to ensure that the agreement is properly written to maximize tax efficiencies, and to accurately "value" your business. We arrange life and disability insurance to fund the buy/sell portion of the agreement, to ensure your business continues to operate without interruption in the event of an unexpected tragedy involving a shareholder. Group Retirement Savings : Group retirement savings plans offer numerous tax advantages for both the employer and employee. The growth in investments is sheltered from tax until funds are withdrawn from the plan. Instead of being used to pay taxes, funds continue to grow in the investments resulting in significant additional savings over time. Barclay Insurance offers a variety of Group Retirement options for your business and its employees.

3. Key Man Insurance : We offer life and disability insurance for key employees that ensure your business can absorb any financial loss that arises from the loss of a key employee. Executive Disability Plans : We offer customized disability coverage for shareholders and executives of businesses. Our disability solution ‘carves out’ the executives from your group disability plan and replaces it with personalized coverage with enhanced disability definitions. We can also top up your group disability coverage with personalized and enhanced individual coverage. Barclay Insurance Services Inc. #1501 - 1111 West Georgia St. Vancouver, BC Tel: (604) 685-3707 Fax: (604) 687-1554 Email: info@barclayinsurance.ca Visit : barclayinsurance.ca