{"id":7919,"date":"2023-08-29T09:44:55","date_gmt":"2023-08-29T16:44:55","guid":{"rendered":"https:\/\/www.alitis.ca\/wealth-planning\/?p=7919"},"modified":"2024-01-25T10:24:35","modified_gmt":"2024-01-25T18:24:35","slug":"what-to-expect-when-you-apply-for-insurance","status":"publish","type":"post","link":"https:\/\/www.alitis.ca\/wealth-planning\/insights\/what-to-expect-when-you-apply-for-insurance\/","title":{"rendered":"What to expect when you apply for insurance"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lkvsacej-ee2f0c25a0135979247ea6f13535f22c\">\n#top .av-special-heading.av-lkvsacej-ee2f0c25a0135979247ea6f13535f22c{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lkvsacej-ee2f0c25a0135979247ea6f13535f22c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lkvsacej-ee2f0c25a0135979247ea6f13535f22c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lkvsacej-ee2f0c25a0135979247ea6f13535f22c av-special-heading-h1  avia-builder-el-0  el_before_av_textblock  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >What to expect when you apply for insurance<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-lnncwtob-5f0a64cb615878299f6ebcce401c9040 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><em><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The following information outlines the process you can expect when you submit an application for Life Insurance or Living Benefits Insurance.<\/span><\/em><\/p>\n<\/div><\/section>\n<section  class='av_textblock_section av-lkvsy15b-ace10a05068026c097566250d97a0767 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7929\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Application.png\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Application.png 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Application-300x200.png 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Application-768x513.png 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/h2>\n<h2>Application<\/h2>\n<p><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Please answer all medical and financial questions fully, with as much detail as possible. This will ensure a quick and accurate underwriting process by the insurance company. It also ensures that the insurance coverage you are purchasing is not jeopardized by non-disclosure of information. Once you are satisfied the application is complete and accurate we will both sign and date the application.<\/span><\/p>\n<h2>Submission<\/h2>\n<p><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">As your advisor, we will forward your application for submission to the insurance company.<\/span><\/p>\n<h2>Underwriting<\/h2>\n<p>When the insurance company receives your application, it is assigned to an underwriter for risk assessment. The risk is assessed based on all aspects of your life including Occupation, Avocation, Financials, Medicals, Lifestyle, Travel and Insurable Interest (Beneficiary).<\/p>\n<p>A life insurance company assesses the risk of issuing a policy to you based on certain parameters. In the same way that a good driver gets favorable rates from an auto insurer, if you are a good risk both financially and medically your life insurance premiums will be lower or you will be able to purchase more coverage.<\/p>\n<p><em><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">As part of the underwriting process a number of items may be required:<\/span><\/em><\/p>\n<h3>Medicals<\/h3>\n<p><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">It may be necessary for you to have some medical tests performed based on your age and the amount of insurance you have applied for. The insurance company contracts medical professionals to perform these tests or interviews. The most common requirements are a paramedical exam, blood and urine analysis, and a nurse will contact you to schedule an appointment. These requirements are necessary to verify the medical information completed on your application and for risk assessment. Please note that the nurse cannot answer any questions you may have regarding the insurance coverage. Upon receipt of the test results the underwriter will review the case and make an offer\/decision.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7927\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Medicals.png\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Medicals.png 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Medicals-300x200.png 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Medicals-768x513.png 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<h3>Pre-Testing Procedures<\/h3>\n<ul>\n<li>Write down all your significant illnesses, dates, names and addresses of MDs\u2019 treatments and bring this to your paramedical examination.<\/li>\n<li>Write down any FAMILY history of cancer, heart attack, angina, bypass surgery, stroke, emphysema, chronic bronchitis, diabetes and any genetic diseases and bring to the exam.<\/li>\n<li>Bring to your exam all current medication that you take in their original prescription bottles. If this is a problem then bring a list of all medications with their name, strength (dosage), and instructions on how you take them. Make sure that you continue to take all your current medications, including on the day of the exam, even if you are fasting.<\/li>\n<li>Have photo ID ready for the appointment, as this will be needed for identification purposes. (Drivers license or passport)<\/li>\n<li>If you have need of an oversized blood pressure cuff or large scale (over 300 lbs) please inform the nurse in advance.<\/li>\n<li>Avoid alcohol the day of your examination and limit the amount of caffeine.<\/li>\n<li>Avoid heavy exercise, especially contact sports and activities such as long distance running, before your blood and urine test. Try to allow a gap of at least 24 hours. If you are suffering from some injury such as contusions or have just run a marathon, etc., inform the nurse so that the home office underwriter will be informed and can better interpret your laboratory results.<\/li>\n<li>If you are pregnant please inform the nurse, as this will help the underwriter to better interpret your laboratory results.<\/li>\n<li>If you are in significant pain (a severe toothache, migraine), you are suffering from a viral illness, or have a fever consider postponing the examination and blood\/urine test.<\/li>\n<li>Wear a shirt or blouse with short, loose fitting sleeves.<\/li>\n<li>Drink lots of water prior to the exam to facilitate urine sample collection and also an easier blood draw.<\/li>\n<li>Be well rested and relaxed for your appointment.<\/li>\n<\/ul>\n<h3>Testing Procedures<\/h3>\n<p><strong>Paramedical Examination<\/strong><\/p>\n<ul>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The nurse will be asking a series of health questions similar to the questions already asked on the application form.<\/span><\/li>\n<li>Some of these questions will include names and addresses of physicians and hospitals, any illness, surgery, medication or other treatments you may have had.<\/li>\n<li>The nurse will take blood pressure, height, weight and urine sample.<\/li>\n<li>The paramedical exam usually takes 25-30 minutes depending on your health history.<\/li>\n<\/ul>\n<p><strong>Blood<\/strong><\/p>\n<ul>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The nurse will have you sign a consent form.<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The nurse will take 2 vials of blood, approximately 25cc and a urine sample.<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The procedure will take a maximum of 15 minutes.<\/span><\/li>\n<\/ul>\n<p><em>Some of the tests in a blood profile may include:<\/em><\/p>\n<ul>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">HIV virus<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Sugar<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Kidney and Liver profile<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Cholesterols and blood lipids<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">There are approximately 16 tests done on the blood.<\/span><\/li>\n<\/ul>\n<p><strong>Urine HIV<\/strong><\/p>\n<ul>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The nurse will have you sign a consent form.<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The procedure takes approximately 10 minutes.<\/span><\/li>\n<\/ul>\n<p><em>Some of the tests in a blood profile may include:<\/em><\/p>\n<ul>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">HIV virus<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Cocaine and the presence of other drugs<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Nicotine<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Medications<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Micro urinalysis (the urine sediment is centrifuged and examined microscopically for crystals, casts, red blood cells, white bloods cells, and bacteria or yeast)<\/span><\/li>\n<\/ul>\n<p><strong>Saliva Test<\/strong><\/p>\n<ul>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The nurse will have you sign a consent form.<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">The procedure takes approximately 10 minutes.<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Your advisor can take the saliva sample if you so choose.<\/span><\/li>\n<\/ul>\n<p><em>Some of the tests in a blood profile may include:<\/em><\/p>\n<ul>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">HIV virus<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Cocaine<\/span><\/li>\n<li><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Nicotine<\/span><\/li>\n<\/ul>\n<div>\n<p><strong>Electrocardiogram or ECG<\/strong><\/p>\n<ul>\n<li>An ECG can be performed at your home or office, however, a couch or bed must be available to complete this test.<\/li>\n<li>This procedure takes approximately 20 minutes.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7928\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/APS.png\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/APS.png 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/APS-300x200.png 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/APS-768x513.png 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<div>\n<h3>Attending Physician Statement (APS)<\/h3>\n<p>An APS is a confidential personal health history record of you (the proposed insured), detailed by a family physician, specialist, surgeon, hospital, clinic or other medical advisors. Dependent on the medical results or information you have disclosed on the application, it may be necessary for the underwriter to request such a report. Please do not be alarmed if there is such a request as it is fairly common. Its primary function is for the underwriter\u2019s risk assessment of your application.<\/p>\n<div>\n<h3>Inspection Reports (Financial Underwriting)<\/h3>\n<div>\n<p>An inspection report is a confidential interview, conducted either by phone or in person, scheduled at a time that is most convenient to you. The insurance company contracts the services of a professional consumer reporting company or credit agency to perform the review which may include questions on finances, lifestyle, driving, foreign travel, etc. Reports are strictly confidential and go directly from the consumer reporting company to the insurance company\u2019s underwriters.<\/p>\n<div>\n<div>\n<h2>Policy Issuance<\/h2>\n<p>Once the underwriter has assessed the risk for the policy, a decision will be made on behalf of the insurance company.<\/p>\n<div>\n<div>\n<p><strong>Issue a Policy Standard<\/strong><\/p>\n<p>The insurance company has agreed to accept the risk and will issue a policy at the rates you have applied for.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<p><strong>Issue a Policy with a Rating or Substandard Decision<\/strong><\/p>\n<p>The insurance company has agreed to accept the risk with a rating, due to certain medical or financial conditions uncovered in underwriting. A rating would apply if a certain medical or occupational condition has increased the risk. In this situation you would be required to pay a higher premium than originally illustrated to you.<\/p>\n<div>\n<div>\n<p><strong>Issue a Policy with an Exclusion<\/strong><\/p>\n<p>An exclusion usually applies to a living benefit plan such as disability insurance, and may exclude an area which has required treatment in the past. For example, a person who has suffered lower back problems may have a policy issued with an exclusion for any claims relating to the lower back. The insurer will generally indicate whether any future reconsideration is possible.<\/p>\n<div>\n<div>\n<p><strong>Postponed<\/strong><\/p>\n<p>The insurance company may stop the processing of your application for a period of time if you have pending health related issues, such as scheduled surgery or are awaiting test results.<\/p>\n<div>\n<div>\n<p><strong>Declination<\/strong><\/p>\n<p>The insurance company has declined your application, based on the Medical or Financial underwriting that has occurred.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7925\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Young-couple-with-financial-advisor.jpg\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Young-couple-with-financial-advisor.jpg 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Young-couple-with-financial-advisor-300x200.jpg 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/10\/Young-couple-with-financial-advisor-768x513.jpg 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<div>\n<div>\n<h2>Policy Delivery<\/h2>\n<p>Once the insurance company has issued your policy, we will schedule a meeting with you to review the policy document and ensure that the coverage that you applied and have been approved for is what you desire in your circumstances. Once you are satisfied with the policy you typically sign a delivery receipt to acknowledge receipt of the policy and that you wish to accept the coverage as outlined in the policy document. If there are any premiums due, these will also have to be paid and delivered to the insurance company. With any insurance policy you have 10 days after signing the delivery receipt to change your mind and not accept the policy. If you change your mind within this 10 day period the insurance company will refund your premiums paid. If you change your mind after 10 days then there will typically be a surrender charge applied to any premium refund due to you. Depending on the type of policy purchased these charges may be significant.<\/p>\n<div>\n<h2>Payment Types<\/h2>\n<div>\n<div>\n<p><strong>Pre-Authorized Chequing (or PAC)<\/strong><\/p>\n<p>Just as you pay other household expenses you can elect to have monies deducted from your bank to the insurance company. If paying monthly you will be required to provide signed authorization, a void cheque and the initial premium.<\/p>\n<div>\n<div>\n<p><strong>Cheque<\/strong><\/p>\n<p>You can issue a cheque payable to the Insurance Company for your premiums.<\/p>\n<div>\n<div>\n<h2>Policy Service<\/h2>\n<p>Once your life insurance purchase is complete the cycle does not end. Your policy is a living document in that certain aspects of it may change as your life experiences do. You may have the need to change banking, beneficiary, address or coverage information as your life stages change your insurance requirements. Some changes will depend on the type of insurance coverage you purchased and how flexible the product is in accommodating these changes. You should store your insurance policy in a safe location. Please contact us if you have any service needs, and to discuss any changes to your situation that may impact your insurance needs.<\/p>\n<h2>Sample Timeline<\/h2>\n<p><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">After we have met, determined your insurance need and completed the application, then it will be submitted to the insurance company.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/section>\n<div  id=\"avia-timeline-1\"  class='avia-timeline-container av-lnnedgdl-f0ca6e0e0cdff155117dc82b772c9439 av-slideshow-ui  avia-builder-el-3  el_after_av_textblock  el_before_av_textblock  avia-slideshow-carousel' avia-data-slides='3'><ul class='avia-timeline avia-timeline-horizontal av-milestone-placement-top avia-timeline- avia_animate_when_almost_visible avia-timeline-animate'>\n<li  class='av-milestone av-lnnecbtp-f2a0222eef6dfb4dc8fb82d7b27d9302 av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-weeks-1-4' ><strong>Weeks 1 - 4<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><div class='av-milestone-content'><p><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Application received at insurance company, medicals ordered and initial underwriting review completed. If necessary an APS or Inspection Report may be ordered by the underwriter.<\/span><\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-lnnecwzx-a7ae4ef44bd2bed2dc9ace98467ffd9a av-animated-generic fade-in av-milestone-even'><h2 class='av-milestone-date ' id='milestone-week-4-6' ><strong>Week 4 -6<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='47' data-av_iconset='svg_entypo-fontello'><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><div class='av-milestone-content'><p class=\"cvGsUA direction-ltr align-justify para-style-body\"><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">If all underwriting goes smoothly, your policy document could be issued during this period. The most common delay during the underwriting process is as a result of an APS being ordered. It may be necessary for you to contact your doctor\u2019s office to ask them to make this request a priority. For life insurance, if additional medical tests are required, this period could extend up to 3 months. For living <\/span><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">benefits including critical illness, disability or long term care, additional medical and\/or financial information may be required that could extend this period up to 4 months.<\/span><\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-lnnedbvq-adc5266968acb019a96f3dd8d240347f av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-week-6-12' ><strong>Week 6-12<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='62' data-av_iconset='svg_entypo-fontello'><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><div class='av-milestone-content'><p><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Delivery of policy document, signing of delivery receipt and collection of any settlement requirements.<\/span><\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<\/ul><div class='avia-slideshow-arrows avia-slideshow-controls av-timeline-nav ' ><a href='#prev' class='prev-slide prev-slide av-timeline-nav-prev av-nav-btn avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Previous\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Previous<\/title>\n<desc 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