Page 20 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Diabetes
Type I – or Insulin dependent diabetes (IDD)
Age < 20 years old Decline Decline No
Age ≥ 20 ≤ 39 years old – duration of diabetes Decline Decline No
> 25 years
Age > 20 years old – duration of diabetes ≤ 25 Yes under
years – no complications – Subject to level of Rating to Decline Decline certain No
control and duration of diabetes conditions
Type II – or Non-insulin dependent diabetes (NIDD)
Age < 20 years old Decline Decline No
Duration of Diabetes
Age ≥ 20 ≤ 29 years old Decline No
> 15 years: Decline
Duration of Diabetes Duration of Diabetes
Age > 29 ≤ 39 years old No
> 25 years: Decline > 10 years: Decline
Yes under
Other – no complications – Subject to level of Rating to Decline Rating to Decline certain Usually No –
control and duration of diabetes Blood test
conditions
Gestational diabetes
Defer > 3 months post- No
partum
> 3 months post-partum: No
See Diabetes
Current Normal glucose: No
Type II above Standard
Abnormal glucose: Yes under Usually No –
See Diabetes certain Blood test
Type II above conditions
History of: No current pregnancy Standard Standard No
Normal glucose:
Normal glucose: Standard
History of: Current pregnancy – Standard
No diagnosis of present diabetes, Abnormal glucose: See
> 24 weeks of pregnancy Diabetes Abnormal glucose: See Yes under
Type II above Current above certain Usually No –
Blood test
Normal glucose: conditions
History of: Current pregnancy – Defer after 24 weeks of Standard
No diagnosis of present diabetes, pregnancy
≤ 24 weeks of pregnancy Abnormal glucose: See
Current above
Drug abuse
Present: 2 joints/week: Present: 2 joints/week:
Marijuana or cannabis Standard Standard No
Other: Rating to Decline Other: Rating to Decline
Present: Decline Present: Decline
Past: Defer 5 years,
Past: Defer 2 to 10 years
Other drugs except for opiates: Defer No
subject to type of drug
7 years
After: Rating to Standard After: Rating to Standard
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