Page 18 - iA Excellence -Field Underwriting Guide - Updated on July 2019
P. 18
POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI
Chronic obstructive pulmonary disease (COPD)
Non-smoker Standard Non-smoker Exclusion
Minimal Smoker: Exclusion and
Smoker: Rating Rating
If emphysema: Decline
Non-smoker Exclusion
Mild to moderate Rating Smoker: Exclusion and Yes No
Rating
If emphysema: Decline
Non-smoker Exclusion
Severe Usually Decline If emphysema: Decline
Smoker: Decline
Back disorder (Lumbago, whiplash, sprain, strain)
One episode – no
manual work – complete
recovery
0–3 years: Exclusion
> 3 years: Standard
No herniated disc Standard Same as above but with No
manual work or two
episodes:
0–5 years: Exclusion
> 5 years: Standard
> 2 episodes: Exclusion
Incidental finding, no
symptoms: Standard
1 episode, total
recovery:
< 10 years: Exclusion
≥ 10 years: No manual
work: Standard
Herniated disc Usually Standard No
With manual work:
Exclusion for 119 days
and maximum benefit
period limited to 5 years
> 1 episode or not fully
recovered: Exclusion
> 1 herniated disc at
different sites: Exclusion
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