The TD Critical Accident Recovery Plan, TD Accidental Death Insurance Plan and TD Accident Disability Insurance Plan are group insurance plans designed exclusively for customers of The Toronto-Dominion Bank. The TD Critical Illness Recovery Plan is an individual insurance plan. TD Term Life Insurance and TD Guaranteed Acceptance Life Insurance are individual life insurance plans. All plans are underwritten by TD Life Insurance Company and distributed by TD Assurance Agency Inc. See each plan's Insurance Certificate or Policy for complete terms and conditions, including eligibility requirements, benefits, features, limitations and exclusions.

TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. Coverages and benefits are subject to eligibility requirements, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details.

TD Insurance personal lines residential and automobile insurance policies are underwritten by TD General Insurance Company in Ontario and Primmum Insurance Company in the rest of Canada. They are distributed by TD Insurance Direct Agency Inc.

The TD Insurance Meloche Monnex home and auto insurance program for professionals and alumni is underwritten by Security National Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Québec, and TD Insurance Direct Agency Inc. in the rest of Canada.

The TD Insurance Meloche Monnex home and auto insurance program for members of employer groups is underwritten by Primmum Insurance Company. It is distributed by Meloche Monnex Insurance and Financial Services Inc., Damage Insurance Agency in Québec, and by TD Insurance Direct Agency Inc. in the rest of Canada.

TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec, and TD Insurance Direct Agency Inc. in the rest of Canada.

¹ Conditions apply. Subject to eligibility rules.

Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!

Offers may be changed, withdrawn or extended at any time without notice.

• 10% Auto Insurance Savings (Ontario) 10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts: - a 5% Digital Discount for completing the auto insurance quote online, applied when the auto insurance purchase is also completed online. The Digital Discount will continue to be applicable upon policy renewal.
And - 5% Buy Online Discount in the first policy term for completing the auto insurance purchase online. Both the Digital Discount and Buy Online Discount are applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation - Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and OPCF 44.

• 10% Home Insurance Savings (not available in Quebec) A 10% Buy Online Discount in the first policy term will be available to customers for completing the home, condo or tenant Insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape

• 5% Savings on Home Insurance (Quebec) A Buy Online Discount of 5% in the first policy term will be available to customers for completing the Home, Condo or Tenant insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape

• 10% Savings on Car Insurance (Quebec) A Buy Online Discount of 10% in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Civil Liability, Damage to Insured Vehicles (All Perils, Collision or Upset, Comprehensive and Specified Perils).

• 5% Auto Insurance Savings (Nova Scotia & Newfoundland) A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Uninsured Motorist.

• 5% Auto Insurance Savings (PEI) 5% Buy Online Discount in the first policy term for completing the auto insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Underinsured Motorist.

• 5% Auto Insurance Savings (Nunavut, Northwest Territories, Yukon) 5% Buy online discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Third Party Liability, Accident Benefits, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44.

² GSC Health Assist plans are provided by Green Shield Canada (GSC)

³ Based on user ratings on Google Play, as of July 30, 2025.

⁴ Based on ratings on the App Store as of July 30, 2025.

⁵ Instant approval is subject to the responses you provide to certain health and lifestyle questions in your application and is available for coverage up to $1,000,000 if you are under 50 years old.

⁶ Nationally, as of April 26, 2024, new customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insured their homeowner policy with us and who met the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of 25%, expressed regionally as:

30% in Ontario
25% in Quebec
25% in Alberta
25% in British Columbia, Saskatchewan, Manitoba, Yukon, Nunavut, Northwest Territories
20% in the Atlantic Provinces

when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile and province/region.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6

⁷ For TD Mortgage Protection, TD Line of Credit Protection, TD Loan Protection and TD Business Credit Protection, accidental dismemberment coverage is provided by TD Life Insurance Company (“TD Life”). All other coverages are provided by The Canada Life Assurance Company (“Canada Life”). TD Life is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the respective Certificate of Insurance or Product Summary, Fact Sheet, and Certificate of Insurance (Quebec only).

TD Credit Card Payment Protection Plan is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy Numbers 0220PPP and 0220PPPL. The Group Master Policies are issued by the insurers to The Toronto-Dominion Bank. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Eligibility requirements, limitations, and exclusions apply and vary by benefit. For complete terms of coverage, please refer to the Certificate of Insurance.

⁸ Top-up or extension coverage is provided by the TD Insurance Single-Trip Medical Plan and/or TD Insurance Trip Cancellation & Interruption Plan.