Page 15 - iA Excellence -Field Underwriting Guide - Updated on July 2019

Medical conditions and probable underwriting actions

The following chart provides guidelines for the most common medical conditions and the most likely
underwriting decision. In addition, the chart shows when an APS is needed, as well as the potential
underwriting decision for each business line (life, DI). This will help you be prepared, and to prepare the
applicant, for the possible underwriting decision.

It is important to remember that the following are guidelines only, and the final decision is subject to the
assessment of the entire file.

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI
MENTAL AND NERVOUS DISORDERS

Present, but stable and presently working OR Past, recovered and presently working
Applicant’s age ≥ 20

Anxiety
Mild – within one year Standard Exclusion No
Mild – > 1 year Standard Exclusion for 90 days No
Other: Details required about symptoms, time
lost from work, medication, treatment, number Rating Exclusion Yes No
of episodes and duration of stability
Depression – Situational : Burnout, Adjustment mood disorder

Mild Usually standard Exclusion
Severe ≤ 1 year Defer Exclusion
Usually Yes No
Other: Details required about symptoms, time
lost from work, medication, treatment, number Rating Exclusion
of episodes and duration of stability
Major depression
≤ 1 year Defer Exclusion
Usually Yes No
> 1 year Rating Exclusion
Bipolar disorder

≤ 1 year Defer Decline
Usually Yes No
> 1 year Rating Decline
Schizophrenia and other psychotic disorders
< 3 years Defer Decline No

≥ 3 years Rating Decline Yes No
Suicide attempt
≤ 5 years: Decline ≤ 7 years: Defer Life: Yes, when Rating
1 attempt
> 5 years: Rating > 7 years: Exclusion applicable
> 1 attempt Decline Decline No

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