Page 17 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Other
Subject to site, present or not, symptoms Rating to Decline Decline Life: Yes, when potential offer
Arteriosclerosis
Arteriosclerosis obliterans
Subject to the site, severity, type of treatment Rating to Decline Decline Life: Yes, when potential offer
and residuals
Other (except varicose veins)
Subject to the site, severity, type of treatment Rating to Decline Decline Life: Yes, when potential offer
and residuals
Varicose veins
Any situation Standard Exclusion No
Arthritis
Osteoarthritis/Arthritis
No symptoms – incidental finding Standard Usually Standard
Exclusion of joint(s) or
spine. If replacement, No
Symptomatic – post-trauma Standard
add exclusion of
prosthesis
Exclusion of
osteoarthritis, except
for spine, in which case
Symptomatic – not due to trauma Standard Usually No
exclusion of spine.
If replacement, add
exclusion of prosthesis
Gout/Psoriatic arthritis
Mild/Moderate – good control Standard Exclusion No
Severe or poor control Standard to Rating Decline Life: Yes, when potential offer
Rheumatoid arthritis/Ankylosing spondylitis/Marie-Strumpell/Other
Mild: Standard Mild to moderate:
All types Moderate: Rating Exclusion Yes, when potential offer

Severe: Decline Severe: Decline
Asthma
Non-smoker Usually
Non-smoker Standard
Minimal/mild Standard
Smoker: Rating Smoker: Exclusion
No
Non-smoker Exclusion
Moderate Rating
Smoker: Exclusion and
Rating

Non-smoker Standard Non-smoker Exclusion
Severe Yes No
Smoker: Rating Smoker: Exclusion and
Rating

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