+ Segregated Fund insurance products are available through Foresters (The Independent Order of Foresters). A description of the key features of the individual variable insurance contract is contained in the information folder. Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the certificate holder and may increase or decreased in value according to the fluctuations in the market value of the assets of the segregated fund.

Unity Life of Canada is a Canadian incorporated life insurance company, which provides financial security to Canadians through innovative life insurance products and services. The company originated in 1898 as the Insurance Department of the Subsidiary High Court of the Ancient Order of Foresters. It was incorporated as a mutual company in 1934, subsequently changing its name to Toronto Mutual Life Insurance Company. In 2002, Toronto Mutual Life amalgamated with its subsidiary, The Western Life Assurance Company, as Unity Life of Canada. On April 2, 2008, Unity Life was converted from a mutual life insurance company to a stock life insurance company owned by Foresters™. Based in Mississauga, Ontario, Unity Life currently has more than 227,000 active policies and certificates, $15.6 billion of insurance in force, and $637 million in assets (all figures in Canadian dollars as at December 31, 2008). Unity Life has been assigned an "A-"(Excellent) rating by A.M. Best Company. Unity Life's Web address is www.unitylife.ca.