Life insurance application is underwrite based on your health history, family history, lifestyle, financial background, occupations, etc. Please provide all the information you have and leave the decision to insurance company. Do not hide anything, which may directly affect your claim. The top priority is to get insured first with whatever existing conditions you may have.
You should provide your photo identification, sin card, family doctor name, address, phone number, employer – name, address, phone number, last visit to the family physician – reason, treatment, follow up, name of any specialist if you have consulted, traveling history (if you travel outside Canada or USA in past two years).
The policy may not be processed if:
1. You have already planned to go outside Canada or USA and you have booked plane tickets, hotel room or have contracted for a job at the time of application.
2. If any test is pending or the test results have not came yet at the time of application. Underwriter will not take any decision. Policy will not be issued until they receive final result. At the time of application, make sure there are no pending tests or test results.