Page 16 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Chronic fatigue syndrome
No underlying cause, no history of nervous
disorder or attempted suicide, functional for all Standard Decline Yes No
daily activities including work
Other Decline Decline No
AIDS or AIDS-related conditions
Any situation, any time Decline Decline No
Alcohol abuse – no organ damage – liver enzymes normal

Alcoholism – abstinent
≤ 2 years – AA member Defer
Defer 5 years
≤ 3 years – Not AA member Defer No, except if suspicion of
related medical condition and
> 2 years – AA member Rating > 5 years: Rating and offer can still be made
maximum benefit period
> 3 years – Not AA member Rating limited to 2 or
Alcoholism – presently drinking
Any situation, any time Decline Decline No
Alcohol use
Present use: 3 drinks/day – maximum 24 per
week Age 18–25: Rating
Standard
1 drink = 1 glass of wine, 1 beer, 1 cocktail, Age > 25: Standard No, except if suspicion of
1 ounce of alcohol related medical condition and
offer can still be made
Rating and maximum
Other – Present or past: Rating to Decline benefit period limited to
Details on usage needed
2 or 5 years OR Decline
Anemia
Iron deficiency anemia Standard to Rating Standard to Rating Yes, if recent
Others – Mild to moderate Standard Standard to Rating
Usually Yes
Others – Severe Decline Decline
Aneurysm
Cerebral

≤ 6 months: Defer ≤ 1 year: Defer
1 aneurysm completely excised. > 1 to 3 years: Rating
No residuals > 6 months:
Usually Standard > 3 years: Usually
Standard Yes, when potential offer

1 aneurysm not completely excised or ≤ 6 months: Defer Decline
radiotherapy. No residuals > 6 months: Rating

Present or more than 1 aneurysm, excised or not Decline Decline
Abdominal
Completely excised – no symptoms Decline Decline
Not applicable
Other Decline Decline
Ventricular
All situations Decline Decline Not applicable
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