Page 21 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Epilepsy
Idiopathic, good compliance with medication, good control, no side effects
Absence (petit mal) or nocturnal only
Within 2 years of diagnosis or last attack Defer Defer
within 1 year
< 6 attacks per year: Yes, under
Last attack > 1 year Standard Exclusion certain No
≥ 6 attacks per year: Decline conditions

Partial (including Jacksonian, focal, temporal lobe and psychomotor attacks)
Absence only: see Absence
Within 2 years of diagnosis or last attack above Defer
within 2 years Other: See Generalized
below Yes, under
certain No
Absence only: see Absence conditions
above
Last attack > 2 years Exclusion
Other: See Generalized
below
Generalized, tonic-clonic (grand mal)
Defer until 2 years of
Diagnosis within one year Defer No
diagnosis
< 6 attacks per year:
Last attack within 3 years Standard Defer
≥ 6 attacks per year: Decline Yes, under
certain No
< 6 attacks per year: conditions
Last attack >3 years Standard Exclusion
≥ 6 attacks per year: Decline

Poor control, status epilepticus or serious underlying disease
All types Decline Decline No
Hepatitis
Yes, when declared information
Present or chronic – All types Decline Decline
is incomplete
Acute, totally recovered, liver functions normal Rating to Decline Exclusion to Decline Yes
– All types except hepatitis C
Hepatitis C Decline Decline No
High blood pressure/Hypertension

Essential or primary, no complications, good compliance with medication
Optimal control Usually Standard Usually Standard
Yes, under
Good or moderate control Standard to Rating Usually Standard certain No – Vital
conditions, if signs
Defer until 6 months of Defer until 6 months of
Labile or poor control offer is possible
optimal control optimal control
With complications or secondary hypertension
Any level of control or underlying cause Rating to Decline Decline Yes, if necessary

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