We’ve updated our Sun Life Field Underwriting Guide 

What's new

This medical Field Underwriting Guide covers both life and critical illness and includes:

• Updated sections introducing underwriting basics (MIB, requirements, smoker definitions, age and amount requirements)
• New disclosure guidance with steps advisors can take to help drive Client disclosure
• Abbreviated build table to identify standard, rated or declined builds
• Alphabetized medical impairment section covering over 130 conditions with:
  • Underwriting risk factors for quality preliminary evaluations
  • Unique underwriting requirements to set Client expectations
  • Detailed life and critical illness decision scenarios for 100+ conditions, including scenarios where specific impairments are likely to result in declined applications
• Lifestyle risk factors including alcohol/drug use, avocations and aviation guidelines
• Immigration and travel guidelines with updated foreign travel restrictions
• Financial underwriting section for personal and business insurance needs
• Cover letter writing guidance
• FAQs

At Sun Life, our forward-thinking approach, strong market presence, and focus on Client experience make us a top choice for reliable advice and protection in a changing economy. We’re dedicated to supporting high net-worth families and small businesses with advanced wealth preservation strategies and comprehensive services to help ensure financial security across generations.

These guidelines are designed to help you understand the possible outcomes for insurance applications and ensure you’re familiar with the factors that could impact a decision on applications.

Calls-to-action:

• Download the new Field Underwriting Guide
• Review the Decoding our compass section to understand guideline interpretation 

Resources

• Field Underwriting Guide 
• Recent Immigration and Temporary Resident Guidelines
• Applying and underwriting
• Large case support
• Sun Life Select