Page 13 - iA Excellence -Field Underwriting Guide - Updated on July 2019

ATTENDING PHYSICIAN’S STATEMENT (APS) MEDICAL REQUIREMENTS COSTS
This report is provided by the applicant’s attending iA Excellence incurs the costs for APS requests and
physician or specialist(s), describing the applicant’s when provided by an approved paramedical service
medical history. It may include copies of consultation provider, will also incur the costs for all medical
notes, test results or copies of reports from other requirements.
specialists.
Sometimes the underwriter will ask for a copy of VALIDITY OF THE MEDICAL REQUIREMENTS
the applicant’s medical file from a hospital archives All underwriting documents and requirements are
department. valid for one year.
However, a declaration of good health must
Obtaining an APS from doctors and/or hospitals
usually takes around 10 business days and will be obtained on delivery when the last declared
often lengthen the time required to underwrite an information is more than three months old.
application.
SHARING OF MEDICAL REQUIREMENTS BETWEEN
INSURANCE COMPANIES
REGULAR INVESTIGATION As is common practice within the insurance industry,
This investigation questionnaire, administered by iA Excellence will share any valid medical requirements.
telephone by a qualified and approved service provider, The following conditions apply:
will establish the stability of applicants with regards to
their: — When providing medical requirements to
another insurance company, we will ask for a
— Financial situation copy of an appropriate authorization from the
— Employment applicant.
— Lifestyle — When requiring medical requirements from
another insurance company, we will provide
It also verifies: the other insurer with a copy of the appropriate
— Criminal record (when permitted by the province) applicant authorization.
— Motor vehicle record, given special authorization
from the applicant

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