Evidence requirements

• 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 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.

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.

• Third party report to verify financial information.

• Ordered by Sun Life head office.
• Conducted by approved provider .

• Not a routine age and amount requirement.

• 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.

• 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
    

• 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.

• 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.

• 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.

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.

• 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.