Pre-screening guide

This guide is designed to help you anticipate the decisions the insurer will make when an insurance application is submitted and the proposed insured presents a specific condition. It includes common medical and non-medical conditions.

For each condition, this guide indicates the factors that may influence the risk and presents an overview of the decisions you may expect. However, the final decision may be declined once the file has been assessed.

For most of these condition, the decision applies for adult and may be different for children.

Tips and tricks

Before completing an insurance application

• If an investigation is underway or test results have yet to be received: wait until completed and the results are available.
• If any follow-up exams or tests are recommended: wait until completed and the results are available.
• If travel to an at-risk country is planned in the near future: wait until the client returns.

General rules

• The longer the time since the last event or last episode, the lower the rated premium will be.
• The younger the insured is at the time of the event, the higher the rated premium will be.
• For disability insurance with shorter waiting, generally there is a higher rating and likelihood of an exclusion.
• For disability insurance with longer benefit period, generally there is a higher rating and likelihood of an exclusion.
• No exclusion apply for dangerous sports or activities when it is insured’s occupation. A flat dollar per $1,000 of insurance is applied.

 

 

Please inform the person to be insured that we may need additional information, such as an attending physician's statement (APS). See our life or health underwriting guides to find out more.

Also, remember to check our guidelines when you offer a newcomer life or critical illness insurance.