our brand guidelines

guidelines

PENSIONSINVESTMENTSLIFE INSURANCE

OUR BRAND GUIDELINESGETTING TO KNOW OUR BRAND

01/ Contents

02/ Our Brand at a glance

Our purpose and what we stand for

Our Brand architecture framework

03/ Our Brand Identity and Assets

Dual branding

Our logo and colours

Typography and fonts

Our Brand voice – words and images

Icons and highlighters

04/ Using our Brand Assets including:

Advertising guidelines and formats

Promotional formats

Power Point and Word templates

05/ Great-West Lifeco Group

The Great-West Lifeco logo

Using information about Great-West Lifeco

06/ Consumer Protection Code

Brands affect everything we do, how we

look, how we talk, how we do business.

The strongest brands in the world have a

powerful advantage in the marketplace.

Our Irish Life Brand is one of our most valuable

assets. We are proud of our Brand -

remember that our Brand is our promise,

so we all need to play our part to meet the

expectations we set.

Please take the time to read and understand

these Brand Guidelines. Don’t worry, it’s not

too complicated, in fact we think you’ll enjoy it.

01/CONTENTS

A Brand isn’t just a name or a logo, it represents who you are and what you stand for.

02/40 Group Version 1 /February 2015

Our brand

02/ OUR BRAND AT A GLANCE


OUR PURPOSEWe serve individuals and businesses by keeping our promises so they achieve financial security and peace of mind. By providing an outstanding experience for our customers and managing risk, we will grow our business profitability.

OUR BRAND PROPOSITIONMore Irish people choose Irish Life because we combine the global strength and expertise of Great-West Lifeco with our 75 years of local financial knowledge, experience and skill to take care of their financial future.

CUSTOMER INSIGHTThere is a growing hunger for financial independence. However there is a lack of trust and follow through on this desire for self-direction because of fear or a lack of knowledge. So the need for guidance is great.

STRATEGIC CREATIVE IDEAPosition Irish Life as the trusted and knowledgeable financial guide in a distinctive, authentic, relevant and consistent way.

BRAND ATTRIBUTESEmpathy - Responsibility - Expertise - Innovation - Leadership

OVERALL CREATIVE PLATFORM

“We know Irish life. We are Irish Life.”

Irish Life is the best guide for Irish lives.

WHAT WE STAND FOR


BRAND ARCHITECTURE FRAMEWORK

MASTER BRAND

PRODUCT PILLARS

BRANDED PRODUCTS

BUSINESSDIVISIONS

PENSIONS • INVESTMENTS • LIFE INSURANCE

Irish Life EMPOWER • Irish Life MAPS • (PLUS 2/3 OTHERS)

RETAIL • CORPORATE BUSINESS • INVESTMENT MANAGERS

Irish Life is part of the Great-West Lifeco parent group of companies

Brand architecture is the framework we use to structure and communicate our products and services.

Our Brand architecture framework is a summary of how prominent each element of our brand architecture should be from the stakeholders perspective – our master Brand is at the top. Our communications and customer/stakeholder interactions will reflect this emphasis.

MASTER BRANDWe aim to maximise the use of our Irish Life master - brand assets (including the “Irish Life” name and logo) when promoting or describing the core activities of each of the business divisions within Ireland.

PRODUCT PILLARSThe next most important information to signal to our existing and potential audiences is the main product and service categories that we offer – our “product pillars”.

BRANDED PRODUCTSThese are strategic product or service solutions that we have attached the Irish Life name to. These are developed and promoted across more than one Irish Life Division. They are unique Irish Life solutions which demonstrate innovation and differentiation for our brand.

BRANDED ACTIVITIESWe will attach our name and brand to a small number of major internal and external activities. Branding these activities provides credibility for the initiative itself and helps to further demonstrate our brand purpose.

BUSINESS DIVISIONS This is how we structure and organise ourselves and ‘signpost’ the significant parts of our business internally and externally - to ensure clarity for our customers and stakeholders in how they can contact and interact with us.

PARENT GROUPThis shows that we are part of the Great-West Lifeco group of companies, one of the world’s leading life asssurance and financial services organisations.


BRANDED ACTIVITIES

Irish Life IN THE COMMUNITY • Irish Life STAFF CHARITIES

Our logo

Our logo is the graphic representation of our

company and the values for which it stands.

Apart from making our communication

material look consistent, the Irish Life logo

embodies all our core values across all

aspects of our business.

03/ OUR BRAND IDENTITY AND ASSETS


Pantone 2725 C Black

Primary Logo

Our logo comprises of two elements - the symbol and type. The logo elements should never be separated. Position, size, and color, along with the relationship of the elements to each other should not be altered.

Corporate ColoursBlack and Pantone 2725 C are our chosen corporate colours.

The story of our LogoOur logo was originally designed in the early 1990s by the acclaimed brand designer Wolff Olins. Our logo was a break with tradition and represented a distinct change for Irish Life. Our logo draws on natural elements or ‘sources of life’ - the human figure, a bird and a fish with the bird representing freedom, the fish representing sustenance and the human is the individual with aspirations and dreams.

A natural ‘cornflower’ blue was chosen as a corporate colour, it was seen as life-affirming rivers, sea and sky. The central human figure was also inspired by the heroic sculpture ‘The Chariot of Life’ by renowned Irish sculptor Oisin Kelly, which is situated in front of our Headquarters.


Standard Logo VersionsBelow are our approved versions of the Irish Life logo. Always use specific logo artwork provided.

The white logo can only sit on either black or Pantone 2725.

The primary logo can only sit on white with a set clear space around it.

The black logo is used where only single colour black is available.

Our logo should always have breathing space. A recommended clear space has been developed to protect the logo from elements which may be positioned too close. The X dimension is used to create a square unit which establishes this clear area around the whole logo.

The recommended logo position is top right on print material.

XX

X X

X

Minimum SizeThe Irish Life logo should always be legible, clear and reproduced to a high quality. The logo should never be reproduced below the minimum width of 25mm (95 pixels @ 92dpi online).

25mm

Clear Space...


Adobe Illustrator (.ai) files are ideal for Mac/print requirements, for use in high resolution reproduction such as marketing collateral and advertising.

Jpeg and png files are ideal for PC use in Word, Powerpoint, Excel etc.

LOGO ARTWORK FILES...

IIrish Life Logo CMYK.aiIrish Life Logo Pantone.aiIrish Life Logo RGB.jpgIrish Life Logo RGB.png

Irish Life Logo BLACK.aiIrish Life Logo BLACK.jpgIrish Life Logo BLACK.png

Irish Life Logo WHITE.aiIrish Life Logo WHITE.jpgIrish Life Logo WHITE.png

A brand is the heart and soul of every organisation.


These are strategic product or service solutions that we have attached the Irish Life name to. These are developed and promoted across more than one Irish Life Division. They are unique Irish Life solutions which demonstrate innovation and differentiation for our brand.

EMPOWER


BRANDED PRODUCTS

intouch

staffcharities

in thecommunity

There will be a small number of major internal and external activities that we will attach our name and brand to. Branding these activities provides credibility for the initiative itself and helps to further demonstrate our brand purpose.

Examples of branded activities include Corporate Social Responsibility and customer initiatives as shown below. Please contact the Design Unit in Marketing for master artwork files for the branded activities shown below.

All other business initiatives and activities should be developed using standard Irish Life branding. This means that no other logos should be developed or applied to any marketing collateral that are being promoted under the Irish Life Brand.

BRANDED ACTIVITIES


DUAL BRANDING

Irish Life marketing teams must sign off on dual branded collateral before publishing. The Irish Life logo should always be legible, clear and reproduced to a high quality.

The Irish Life logo should never be reproduced smaller than:

25mm for printed material

95 pixels @ 92dpi for digital

See Section 4 for more information on using our Brand Assets.

ILA

109

14 (R

EV 0

1-15

)

Allied Irish Banks, p.l.c. is a tied agent of Irish Life Assurance plc, for life and pensions business. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Irish Life Assurance plc is regulated by the Central Bank of Ireland.

SALES CONFERENCE2015

Dual Branded Folder Sample


GETTING THE MOST FROM YOUR APPOINTMENTS

FAIL TO PREPARE - PREPARE TO FAIL

CONFIRMING YOUR APPOINTMENT1. Establish customer reasons for meeting.

2. What are you going to do for the customer at this meeting? (WIFT)

3. Establish if the decision maker (authority) will attend the meeting.

4. What do you need the customer to bring to the meeting? (eg. proof of PPSN and existing plan details)

5. Confi rm start & fi nish times.

6. Encourage joint review where applicable.

PRE – APPOINTMENT TASKS1. Recap on existing arrangements.

2. Pre – populate Clear Review with known information. (to be verifi ed at meeting)

3. Preview how and where you can infl uence the customer, in trying to identify opportunities / customer hot spots in your meeting.

1. Source of appointment – Branch, Contact Centre,Self – how relevant is this?

2. My Biz – what existing plans might be in place?

• Protection – are family & loans fully covered?

• Pension – how is it performing, years left to retirement?

• Investments / Savings – how are they performing?

• will they meet the customers’ expectations / goals?

3. CRM check on customer - last meeting, past reviews, key areas under or not addressed, status, employment

4. Profi le Check –existing arrangements

5. Can you now apply the M.A.N principle (money, authority, need) in trying to pre-qualify your customer, before you meet?

5 STEPS TO ESTABLISH CLEARER GOALS BEFORE YOUR MEETING

For adviser use only

Irish Life Assurance plc is regulated by the Central Bank of Ireland.

ILA

116

03 (N

PI 0

2-15

)

Dual Branded Flyer Sample

Position of Dual Branded logo: Place the other company’s logo on the top left hand side of the document as indicated.

Pantone 2725 C

Black

Corporate TypefaceTo be used for all documents designed for publication/print.

Foundry Sans is our primary typeface.

BRANDON GROTESQUE is used for Headings (CAPS ONLY)

Marketing Script is used for highlights and notes.

Sabon LT can be used for more formal uses such as invitations.

Arial is the PC font, for use in Word, Powerpoint, Excel etc.

Corporate Colours

Pantone Colour specification.

Pantone 3258 C

Pantone Warm Gray 11 C

Our colours and typography at a glance...


OUR COLOUR PALETTE These colours are available for communication pieces such as booklets, adverts and marketing literature.

C59 M5 Y94 K26R105 G146 B58HEX #69923A

C29 M0 Y96 K0R201 G221 B3HEX #C9DD03

PANTONE 576 C PANTONE 381 C

C60 M0 Y33 K0R80 G201 B181HEX #50C9B5

C40 M0 Y21 K0R154 G220 B198HEX #9ADCC6

PANTONE 3258 C PANTONE 337 C PANTONE 365 C

PANTONE 277 C PANTONE 312 C

C5 M5 Y13 K8R215 G211 B199HEX #D7D3C7

C11 M13 Y30 K32R170 G163 B142HEX #AAA38E

PANTONE 7534 C PANTONE 7536 C PANTONE Warm Gray 11 C

PANTONE 185 C

BLACK

C0 M76 Y50 K0R245 G67 B89HEX #F54359

PANTONE 1785 C PANTONE 159 C PANTONE 1385 C PANTONE 124 C

PANTONE 2725 C PANTONE 281 C PANTONE 646 C

C77 M68 Y0 K0R82 G97 B172HEX # 5261AC

C100 M85 Y5 K35R0 G38 B100HEX #02664

C74 M30 Y3 K12R84 G130 B171HEX #5582AB

C24 M0 Y42 K0R200 G229 B154HEX #C8E59A

C35 M9 Y0 K0R170 G202 B230HEX #AACAE6

C96 M0 Y11 K0R0 G173 B208HEX #00ADD0

C26 M36 Y38 K70R103 G92 B83HEX #675C53

C0 M94 Y78 K0R224 G0 B52HEX #E00034

C0 M0 Y0 K100R35 G31 B32HEX #333333

C1 M74 Y100 K7R199 G91 B18HEX #C75B12

C2 M60 Y100 K3R212 G118 B0HEX #D47600

C0 M32 Y100 K0R234 G171 B0HEX #EAAB00

C36 M38 Y48 K3R164 G147 B130HEX #A49382

PANTONE 7530 C

THESE COLOURS ONLY TO BE USED WHEN A FULL SPECTRUM OF COLOUR IS REQUIRED

CMYK colours references to be used when creating any item for print. RGB colour references to be used when developing word documents, PPTHEX colour references to be used when developing websites, apps etc.


COLOUR PALETTE TINTS Tints of our colour palette may be used. To ensure we remain consistent please use the suggested tint values below.

PANTONE 576 C PANTONE 381 C PANTONE 3258 C PANTONE 337C PANTONE 365 C70% 70% 70% 70% 70%

PANTONE 2725 C PANTONE 281 C PANTONE 646 C PANTONE 277C PANTONE 312 C

PANTONE 7534 C PANTONE 7530 C PANTONE 7536 C PANTONE Warm Gray 11 C

BLACK

PANTONE 1785 C PANTONE 185 C PANTONE 159 C PANTONE 1385 C PANTONE 124 C

30% 30% 30% 30% 30%

10% 10% 10% 10% 10%

70% 70% 70% 70% 70%

30% 30% 30% 30% 30%

10% 10% 10% 10% 10%

70% 70% 70% 70% 70%

30% 30% 30% 30% 30%

10% 10% 10% 10% 10%

70% 70% 70% 70% 70%

30% 30% 30% 30% 30%

10% 10% 10% 10% 10%

LIMITED USE - THESE COLOURS ONLY TO BE USED FOR PIE CHARTS


Foundry Sans is our primary font and should be used on all communication pieces.

Foundry SansABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz1234567890!@€£$%^&*()Foundry Sans is available in Light, Normal, Medium and Bold fonts.

Brandon Grotesque is used for Headings (CAPS ONLY)

BRANDON GROTESQUEABCDEFGHIJKLMNOPQRSTUVWXYZ1234567890!@€£$%^&*()

Marketing Script is used for highlights and notes.

Marketing ScriptABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz1234567890!@€£$%^&*()

For formal invitations, Sabon LT can be used.

Sabon LTABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz1234567890!@€£$%^&*()Sabon LT is available in Roman, Bold and Small Caps fonts.

Arial is the PC font, for use in Word, Powerpoint, Excel etc.

ArialABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz1234567890!@€£$%^&*()

OUR FONTS IN MORE DETAIL...

Our Brand is the way the public perceives us in a human way.

We have distinct typefaces in our

font family. Together these can

be used to add consistency and

character to our communication

material.


Always keep language clear and simple.

OUR BRAND VOICE...

Jargon Free

Use language that informs and motivates.

Motivational

Get the point across in a brief and concise manner.

Concise

Remember our customers - so keepit real.

Real


HOW WE SEE THINGS...When we use photography, Irish Life images

should be friendly, engaging and real. Images

should capture natural lifestyle moments.

For more information email: [email protected]


RETAIL

Friendly

Natural

Energetic

Honest


CORPORATE BUSINESS


INVESTMENT MANAGERS

021/40 Group Version 1 / February 2015

DON’T FORGET ABOUT OUR ICONS...

All icons appear as simple line drawings as the samples show below. If you need an icon for something not shown below here, just contact the Design Units.

PHONE

CONTACT

ONLINE SEVICES

INFORMATION

IMPORTANT NOTE

JARGON FREE

TIME PERIOD

FUNDS AVAILABLE

RISK

AIM

CAPITAL PROTECTED

Some samples...

MONEY

022/40 Group Version 1/February 2015

Speech Bubble ‘Highlighters’When you want to highlight information we havea range of graphics to help get your message across.

Let’s talk...

‘Shard’ speech bubbleUse our secondary font Marketing Scriptfor short highlighters.

‘Rectangle’ speech bubbleAlways use our primary font Foundry Sans to deliver your message.

To help deliver informal pointers and tips, you can use the scribble speech bubble

For more serious information, please use the formal options - the rectangle speech bubble.

A Brand is the heartand soul of every organisation.

Let’s talk...


Brand Assets

04/ USING OUR BRAND ASSETS


THE SHARDThe Shard is an angular holding device. This unique

shape is used to draw attention to our branding,

particularly in external communications.

Where formats allow, the Shard should be used to

contain both the primary logo (symbol & type) plus

the 3 product pillars.

In small formats we can use a version without the 3

product pillars.



3 PILLARS

SHARD HOLDING DEVICE

SHARD HOLDING DEVICE

LOGO TYPE

LOGO TYPE

SYMBOL

SYMBOL

Shard including 3 product pillars

Shard without 3 product pillars


THE SHARDWe have created 4 versions of the Shard to allow

flexibility as to the position where the Shard appears.

Depending on the composition of the communication

creative, the Shard can be used top or bottom, right or left.

Minimum Clearance Space

The Shard device maintains the same sense of breathing

space established for the Irish Life primary logo. As

illustrated below, the X dimension is used as measurement

to ensure clear space between primary logo and product

pillars, and between primary logo and the edge of the

Shard.

Minimum width of Irish Life logo within Shard is 25mm.

PENSIONS • INVESTMENTS • LIFE INSURANCE PENSIONS • INVESTMENTS • LIFE INSURANCE

x x xx

x

x

x

x

x

PENSIONS • INVESTMENTS • LIFE INSURANCE PENSIONS • INVESTMENTS • LIFE INSURANCE

xx

x

xx

x

xx

x

Top Left

Bottom Left

Top Right

Bottom Right


PRESS APPLICATIONWe have developed a flexible grid system for best

practice press layouts and to act as a guideline

for the proportions of the branding elements to one

another. The Shard is kept to 2/5 of the width of the

press insertion in portrait press layouts. There are

a number of options of placement depending on

image use.

PENSIONS • INVESTMENTS • LIFE INSURANCE We know Irish life. We are Irish Life.

x = 1/5 w

x

x

x

x x x

Fugias delenia num sum hitatis aut que nesedia sum solliquamus ullene porehen deniet, solut vel id ma voluptas voloressitat et ent

25 x 4 Press Ad

Example A

Shard placed bottom left.

We know Irish life. We are Irish Life.

x = 1/5 w x

x x

x x x



25 x 4 Press Ad

Example B

Shard placed bottom right.


OUTDOOR APPLICATIONWe have developed a flexible grid system for best

practice outdoor layouts and to act as a guideline

for the proportions of the elements to one another.

6 sheet

The Shard is kept to 2/5 of the width of the 6 sheet.

Image allowing, the Shard should be placed

bottom left.

x = 1/5 w x

x x

x x x


PENSIONS • INVESTMENTS • LIFE INSURANCE We know Irish life. We are Irish Life.


OUTDOOR APPLICATION48 sheet

The Shard is kept to 2/8 of the width of the 48

sheet. Image allowing, the Shard should be placed

bottom left.

We know Irish life. We are Irish Life.Fugias delenia num sum hitatis aut que nesedia sum solliquamus ullene porehen deniet, solut vel id ma voluptas voloressitat et ent.


x x

xx = 1/8 w xx xx xx


PROMOTIONAL FORMATSRETAIL

Here we see examples of our designs in a variety of

formats, with different content and for a variety of

customers.

The following samples show the tone and direction

we are moving in with our Brand.

Each of the Irish Life Multi Asset Portfolio Funds (MAPS) has been developed to suit diff erent attitudes to risk. These range from lower risk, Multi Asset Portfolio 2 (MAP2), which has a large percentage invested in cash and bonds to higher risk Multi Asset Portfolio 6 (MAP6), which is predominantly invested in shares.

As most of us know, investing in shares over long periods of time usually produces better returns than investing in cash or bonds. However, alongside these higher returns, investing in shares usually brings higher risk and the possibility that returns can vary considerably each year. Returns can even be negative over a given period of time, especially over shorter periods.

So while we might expect MAP6 to give a better return than MAP2 over long periods, we would also expect the returns on MAP6 to vary to a much greater extent than those on MAP2. The illustrations on the following pages show the possible returns you might expect over diff erent time periods for each of the MAPS funds.

CUSTOMERRISK RATING

2CAREFUL

MULTI ASSET PORTFOLIO 2FUND NAME

MULTI ASSET PORTFOLIO 3



MULTI ASSETPORTFOLIO 6

3CONSERVATIVE

4BALANCED

5EXPERIENCED

6ADVENTUROUS

7VERY

ADVENTUROUS

MULTI-ASSET PORTFOLIOS RANGE OF RETURNS

PENSIONS INVESTMENTS LIFE INSURANCE

CUSTOMER SATISFACTION

The CSI October YTD score increased slightly by 0.1% to 83.3%. This is ahead of target by 0.6%!

intouchfirst


ILA 10087 (REV 12-14)

FinancialPlanning

Experience

88.8%

Complaints

59.8%

New Business

87.1%

CSC (Phone and Post)

84.1%

Maturity/Withdrawal

79.2%

Online Services

79.8%

target

89%

target

82%

target

79%

target

62.5%

target

78%

target

87.5%

CURRENT OVERALL SCORE

83.3%

TARGET 201482.7%

UPDATE DECEMBER 2014

A4 Flyer Sample

A3 Poster Sample

A5 Flyer Sample


PROMOTIONAL FORMATSCORPORATE BUSINESS AND INVESTMENT MANAGERS

DEFINED CONTRIBUTION

MEMBER GUIDE

PENSIONSINVESTMENTSLIFE INSURANCE

A4 Flyer Corporate Business A4 Booklet Investment Managers

INVESTMENT OUTLOOK 2015



POWERPOINT TEMPLATES

Consistent branding allows us to have a really powerful

brand, and involves communicating in line with our core

values across all aspects of our business.

All Powerpoint presentations to external audiences

should use these templates.


TITLE OF PRESENTATION

JANUARY 2015


Retail and Corporate Business Powerpoint Presentations - both wide and normal presentation styles available.

GENERIC TITLE OF A GENERIC IRISH LIFE

PRESENTATION

GENERIC TITLE OF PRESENTATION

2

TITLE • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been

the industry's standard dummy text the printing and typesetting industry. the printing and typesetting industry. The printing and typesetting industry.

• Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever.

• Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text the printing and typesetting industry. the printing and typesetting industry. The printing and typesetting industry.



Investment Managers Powerpoint Presentations

3


JANUARY 2015 TITLE OF PRESENTATION


BUSINESS PROTECTION - A CLIENTS GUIDE LIFE ADVISORY SERVICES

WHY DO I NEED BUSINESS PROTECTION? Anyone in business today wouldn’t think twice about insuring their business against loss from fire or theft. However, there are many other circumstances that can have damaging and lasting consequences for your business. Indeed, without the right kind of protection, your business, even your family’s finances, could be in financial ruin.

ASK YOURSELF THE FOLLOWING: • How would your business survive if one of your key employees or shareholders became seriously ill or died suddenly? • If your business partner died what would happen to their share of the business? • How would you feel about a shareholder’s family joining your business if he died suddenly? • If you died what would happen to your share of the business? • Is your spouse/children in a position to take your place in the business? • How will your family survive financially?

IT WON’T HAPPEN TO OUR COMPANY! There is very little in life of which we can be absolutely certain, but one fact is guaranteed, we are all going to die… some day. The one unknown, thankfully, for most of us are that we have no idea when this will be. However, the odds of one partner in a 2 or 3 man business dying or becoming seriously ill before retirement are probably a lot higher than you might think. Odds of one dying before 65

AGE SOLE TRADER

2 PARTNERS

3 PARTNERS

35 13% 23% 32%

40 12% 22% 32%

45 12% 21% 30%

50 11% 19% 28%

(Source: mortality tables (AM92) Published by Institute of Actuaries (UK))

Odds of one dying or becoming seriously ill before 65

AGE SOLE TRADER

2 PARTNERS

3 PARTNERS

35 24% 43% 56%

40 23% 42% 55%

45 22% 39% 53%

50 20% 36% 49%

(Source: critical illness tables (IC94) published by Society of Actuaries Ireland

WHAT’S THE SOLUTION? Many problems can arise for a business when a partner or key employee is out of the picture due to death or serious illness. Some of these problems could be alleviated with adequate financial planning to provide the funds to allow options and choices to be made by all parties. Arranging adequate Business Protection Insurance is the only way to ensure that the necessary funds will end up in the right hands at the right time, in a cost efficient manner, to ensure the continuity and the survival of the business.

IF ANY OF THE ABOVE QUESTIONS ARE A CAUSE FOR CONCERN THEN MAYBE YOU NEED BUSINESS PROTECTION

All Word Template presentations to external or internal

audiences should use these templates.

Word Document A4 Sample - Front and Back

WHY DO I NEED BUSINESS PROTECTION? Anyone in business today wouldn’t think twice about insuring their business against loss from fire or theft. However, there are many other circumstances that can have damaging and lasting consequences for your business. Indeed, without the right kind of protection, your business, even your family’s finances, could be in financial ruin.

ASK YOURSELF THE FOLLOWING: • How would your business survive if one of your key employees or shareholders became seriously ill or died suddenly? • If your business partner died what would happen to their share of the business? • How would you feel about a shareholder’s family joining your business if he died suddenly? • If you died what would happen to your share of the business? • Is your spouse/children in a position to take your place in the business? • How will your family survive financially?

IT WON’T HAPPEN TO OUR COMPANY! There is very little in life of which we can be absolutely certain, but one fact is guaranteed, we are all going to die… some day. The one unknown, thankfully, for most of us are that we have no idea when this will be. However, the odds of one partner in a 2 or 3 man business dying or becoming seriously ill before retirement are probably a lot higher than you might think. Odds of one dying before 65

AGE SOLE TRADER

2 PARTNERS

3 PARTNERS

35 13% 23% 32%

40 12% 22% 32%

45 12% 21% 30%

50 11% 19% 28%

(Source: mortality tables (AM92) Published by Institute of Actuaries (UK))

Odds of one dying or becoming seriously ill before 65

AGE SOLE TRADER

2 PARTNERS

3 PARTNERS

35 24% 43% 56%

40 23% 42% 55%

45 22% 39% 53%

50 20% 36% 49%

(Source: critical illness tables (IC94) published by Society of Actuaries Ireland

WHAT’S THE SOLUTION? Many problems can arise for a business when a partner or key employee is out of the picture due to death or serious illness. Some of these problems could be alleviated with adequate financial planning to provide the funds to allow options and choices to be made by all parties. Arranging adequate Business Protection Insurance is the only way to ensure that the necessary funds will end up in the right hands at the right time, in a cost efficient manner, to ensure the continuity and the survival of the business.

IF ANY OF THE ABOVE QUESTIONS ARE A CAUSE FOR CONCERN THEN MAYBE YOU NEED BUSINESS PROTECTION


WORD TEMPLATES

GROUP BRANDS

05/ GREAT-WEST LIFECO GROUP BRANDS


Great-West Lifeco Inc. is an international financial

services holding company with interests in life

insurance, health insurance, retirement and investment

services, asset management and reinsurance

businesses.

GROUP BRANDS

Using The Great-West Lifeco logo

External communications

• The Great-West Lifeco logo should not be used either on its own or dual branded with Irish Life in external communications to customers or financial advisers.

• Great-West Lifeco should be referred to using words only.

Internal communications • The Great-West Lifeco logo should only be used for internal and

corporate communications such as presentations.

• The Irish Life logo should take primary position with Great-West Lifeco used as the supporting parent brand.

Irish Life is our brand in Ireland and our logo should be used for all consumer and trade communications.



Shortened version For use where only a single sentence is required such as letterheads and compliment slips.

Irish Life is part of the Great-West Lifeco group of companies, one of the world’s leading life assurance organisations.

Longer versionFor use where more information is required about Great-West Lifeco, such as in product booklets and promotional leaflets.

Established in 1939, Irish Life is Ireland’s leading life, investment and pension company. Since July 2013 Irish Life has been part of the Great-West Lifeco group of companies, one of the world’s leading life assurance organisations. Great-West Lifeco and its subsidiaries - including The Great-West Life Assurance Company which was founded in Winnipeg, Canada more than a century ago - have a record for financial strength, earnings stability and consistently high ratings from the independent credit rating agencies. The Great-West Life Assurance Company has an AA rating for insurer financial strength from Standard & Poor’s. Information correct as of <Date>. For the latest information please see www.greatwestlifeco.com.

Full version

This gives more information about the customer benefits of being with Irish Life and is used on the “About us” page of our websites.

Established in 1939, Irish Life is Ireland’s leading life, investment and pension company. Since July 2013 Irish Life has been part of the Great-West Lifeco group of companies, one of the world’s leading life assurance organisations. Great-West Lifeco and its subsidiaries - including The Great-West Life Assurance Company which was founded in Winnipeg, Canada more than a century ago - have a record for financial strength, earnings stability and consistently high ratings from the independent credit rating agencies. The Great-West Life Assurance Company has an AA rating for insurer financial strength from Standard & Poor’s. Irish Life is committed to delivering innovative products backed by the highest standards of customer service and, as part of Great-West, has access to experience and expertise on a global scale, allowing the company to continuously enhance its leading range of products and services. Information correct as of <Date>. For the latest information please see www.greatwestlifeco.com.

USING INFORMATION ABOUT GREAT-WEST LIFECO

The following copy should be used when referring to the relationship between Great-West Lifeco and Irish Life. No other form of words should be used without prior approval from Great-West Lifeco.

As shown below the longer and full versions must always refer to www.irishlife.ie and www.greatwestlifeco.com because they refer to financial strength. They must also include the date.

consumerprotection

06/ CONSUMER PROTECTION CODE


CONSUMER PROTECTION CODE


As a regulated entity, Irish Life is subject to the Consumer Protection

Code 2012 (CPC). The CPC aims to provide a consistent level of

protection for all consumers of financial services and this is in keeping

with Irish Life’s brand values and our mission.

The CPC sets out various conduct of business rules including

requirements for communicating and advertising financial products

and services which apply to most of our marketing collateral.

Each piece of communication is subject to Irish Life compliance sign

off, however below is a good starting point when considering

mandatory inclusions for marketing collateral and advertising.

Regulatory disclosure:All material prepared must include Irish Life’s regulatory disclosure

statement, which should sit on a line independent of any other text:


Other regularity disclaimers:As well as our regulatory disclosure line, there are various other

requirements within the Consumer Protection Code which we

need to adhere to. These include for example, font sizes and the

placement and formatting of warning boxes when describing benefits

of Pension, Savings and Investment products.

For further details on the Consumer Protection Code, visit

www.centralbank.ie and click on the Consumer Protection tab.

You can also refer to Irish Life compliance guidelines for interpretation

of the code.

In addition to using these guidelines, you can email:

to get further information or clarification.


ILA 9760 (NPi 09-12)

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Updated Guidelines February 2015

ILA 9760 (REV 02-15)

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our brand guidelines

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