Page 10 - iA Excellence -Field Underwriting Guide - Updated on July 2019

PREPARATION
It is very important to prepare applicants for the Because of the many details required, it is important
phone interview. You can do this by providing that the applicant chooses a time for the interview
them with a copy of the document Preparing for when he or she will be able to concentrate on the
your phone interview or paramedical exam on questions and not be distracted by anything else,
our website and Assure&go. (See a copy of it in such as driving or preparing a meal.
APPENDIX B.)

Underwriting requirements: What are they?

AGE & AMOUNT REQUIREMENTS
HOW TO CALCULATE DISABILITY INSURANCE AND OVERHEAD EXPENSES INSURANCE REQUIREMENTS:
a) For Disability Insurance Coverage (Superior Program and/or Universal Loan Insurance), add up all
amounts of insurance currently under study and/or in force for the last 12 months.
b) For overhead coverage (Superior Program), add up all insurance amounts currently under study and/or
in force during the last 12 months.
Use the highest amount between a) and b) to determine the requirements according to this table:

AGE
AMOUNTS
18 - 50 51+
0 - $2,000 Declaration of Health Telephone interview
$2,001 - $2,999 Telephone interview Telephone interview
Telephone interview
$3,000 - $3,999 Telephone interview Vital signs
Blood profile & urine HIV
Telephone interview Telephone interview
Vital signs Vital signs
$4,000 - $6,999
Blood profile & urine HIV Blood profile & urine HIV
Attending Physician’s Statement
Telephone interview Telephone interview
Vital signs Vital signs
$7,000+ Blood profile & urine HIV Blood profile & urine HIV
Investigation report Investigation report
Attending Physician’s Statement

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