Requirement
|
What
|
Who completes |
Notes |
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Attending physician statement (APS) |
- Summary of the proposed insured's personal medical history. May also be a copy of the medical chart.
|
- Ordered by Sun Life head office through Dynacare, the approved service provider.
|
- Service provider will send the request to the physician, medical clinic or hospital.
- Service provider is also responsible for paying the fee and following-up with the doctor's office, clinic or hospital on a regular basis until the completed report is received.
|
Blood profile |
Blood testing for:
- Diabetes
- Cholesterol
- Kidney function
- Liver function
- HIV
The blood kit also includes a urine specimen.
|
- Ordered by advisor.
- Blood drawn by approved paramedical firm.
|
- Service provider will contact the proposed insured to arrange an appointment.
- Lab testing must be completed by Exam One
- A fasting period of 4 to 6 hours is recommended, unless the proposed insured is diabetic.
- Underwriter may ask the lab to run additional tests on the sample.
- Will send copy to the proposed insured's physician upon request.
- Clients can access their results on the ExamOne website.
|
Business beneficiary report (BBR) |
Third party investigative report to:
- Obtain information about the ownership structure of the company, the date it was incorporated, the company's principal business activities, the number of employees, the revenues and fair market value.
- Verify financial information.
|
- Ordered by Sun Life head office.
|
- Not a routine age and amount requirement.
- The applicant is interviewed, along with other business references, such as company executives, accountants, financial offices, bankers and attorneys.
- Financial statements for the past 2 years are also usually obtained.
|
Inspection report |
- Third party report to verify financial information.
|
- Ordered by Sun Life head office.
- Conducted by approved provider .
|
- Not a routine age and amount requirement.
|
Mature age focus interview (MAFI) |
- Questionnaire required for all clients age nearest 71 and over.
- Activities of daily living questions.
- Cognitive and mobility testing.
-
|
- Automatically completed by approved paramedical firm for clients age nearest 71 and over.
|
- Service provider will contact the proposed insured to arrange an appointment.
|
Motor Vehicle Report (MVR) |
- Copy of insured's driving record which includes all violations and/or accidents over a period of 3 to 5 years.
|
- Ordered by Sun Life head office.
- Conducted by an approved service provider.
|
- Not a routine age and amount requirement.
- Provincial requirements to obtain a MVR:
- AB - client must obtain the MVR directly.
- BC - ICBC - Driver's licence abstract request form. MV2680
- MB, SK, YK, NWT, NU - Driver record authorization, form E257
- ON, NB, NS, PEI and NFLD - only driver's licence number is required.
- Quebec - Authorization for the disclosure of driving record, form 5981A 75
|
Paramedical |
- Medical history questions.
- Paramedical examiner checks the proposed insured's height, weight, blood pressure and pulse.
|
- Ordered by advisor.
- Can be arranged through approved paramedical firm.
|
- Service provider will contact the proposed insured to arrange an appointment.
- Can be replaced by a tele-interview and vitals.
- For convenience, may be completed in the proposed insured's home or office.
- Must not be ordered to replace a non-medical.
|
Tele-interview |
- Lifestyle and medical history questions.
|
- Requested by the advisor.
- Ordered by Sun Life head office.
|
- Only available on new business cases.
- Can replace a non-medical.
- A tele-interview and vitals can be used to replace a paramedical requirement.
- Can be used on applications for up to 2 lives.
|
Third party verification of finances |
- Required for life insurance application amounts over $10,000,000.
|
- Cover letter completed by advisor.
- The financial questionnaire (form 96) must be completed by the client's accountant.
|
Personal insurance:
- Cover letter explaining how the amount of insurance was determined.
- Financial questionnaire, form 96
Business insurance:
- Financial questionnaire, form 96
- Last 2 financial statements.
|
Urinalysis |
Urine testing for:
- glucose
- blood
- protein
- medication and drugs
- cotinine (by-product of nicotine)
|
- Ordered by advisor.
- Can be arranged through approved paramedical firm.
|
- Service provider will contact the proposed insured to arrange an appointment.
- May be completed in the proposed insured's home or office.
- Underwriter may ask the lab to run additional tests on the sample.
- Will send copy to the proposed insured's physician upon request.
- Clients can access their results on the ExamOne website.
|
Vitals |
- A measure of the proposed insured's height, weight, blood pressure and pulse.
|
- Ordered by advisor.
- Can be arranged through approved paramedical firm.
|
- Service provider will contact the proposed insured to arrange an appointment.
- May be completed in the proposed insured's home or office.
- Will send copy to the proposed insured's physician upon request.
|