Page 19 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Bursitis, synovitis, tendinitis, tenosynovitis, any soft tissue injury
One episode – no
manual work – complete
recovery
0–3 years: Exclusion
> 3 years: Standard

All Standard Same as above but with No
manual work or two
episodes
0–5 years: Exclusion

> 5 years: Standard
> 2 episodes: Exclusion
Carpal tunnel syndrome

Operated, totally recovered Standard Standard
No
Present, treated or not Standard Exclusion
Cerebrovascular accident (CVA), stroke, transient ischemic attack (TIA)
Cerebrovascular accident, stroke
No residuals: Defer 6 months No residuals:
Defer 10 years
> 6 months > 10 years: Rating and
Due to trauma < 1 year: Rating minimal waiting period
≥1 year: Standard of 90 days
With residuals: Decline With residuals: Decline
Non-smoker; Non-smoker;
No residuals: Defer 6 months No residuals: Defer 5 or Yes Yes
or 1 year 10 years
Due to underlying disease –
1 episode, 1 stenosis – 1 aneurysm and subject > 6 months or > 5 or 10 years: Rating
to type and severity of underlying cause 1 year: Rating
With residuals or
With residuals or Smoker: Smoker or
Decline
> 1 episode: Decline
Other Decline Decline
Transient ischemic attack (TIA)
Non-smoker; Non-smoker;
No residuals: No residuals:
Due to underlying disease – Defer 2 years Defer 2 years
1 episode, 1 stenosis and subject to type and Yes Yes
severity of underlying cause > 2 years: Rating > 2 years: Rating
With residuals or Smoker: With residuals or
Decline Smoker: Decline
Cholesterol
Well controlled, no familial Standard Standard
hypercholesterolemia Usually No – Blood test
Other Rating to Decline Rating to Decline

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