Page 22 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Inflammatory bowel disease
Crohn’s disease, no complications, no extra-intestinal manifestations
Age at application < 20 years old
All types Decline Decline No
Age at application > 20 years old
Diagnosis within one year 6 months: Defer < 1 year: Defer
> 1 to 5 years: Exclusion
> 6 m to 5 years: Rating and Rating
Mild or 1 attack
> 5 years: Standard > 5 years: Exclusion
Defer 1 year Defer 3 years
Moderate or >1 attack > 3 years: Exclusion and Yes, if offer possible
> 1 year: Rating
Rating
Defer 1 year Defer 1 year
> 1 to 5 years: Exclusion
Operated (1 to 2 operations), no recurrence
> 1 year: Rating and Rating
> 5 years: Exclusion
Severe or > 2 operations Decline Decline Not applicable
Ulcerative colitis, no complications
Age at application < 20 years old
All types Decline Decline No

Age at application > 20 years old
Defer 1 year Defer 3 years
> 3 to 5 years: Exclusion
Mild > 1 to 2 years: Rating
and Rating
> 2 years: Standard to Rating > 5 years: Exclusion

Defer 1 year Defer 5 years
Moderate > 5 years: Exclusion and
> 1 year: Rating
Rating
Yes, if offer possible
Defer 1 year
> 1 to 5 years: Exclusion
Operated (1 operation), no recurrence, any type Defer 6 months
and Rating
> 5 years: Exclusion
Defer 1 year
Removal of colon and rectum > 6 months: Standard > 1 year: Exclusion and
Rating
Total or partial removal of colon only, or > 6 months: See Mild or See Mild or Moderate Yes, if offer possible
ileostomy only Moderate above above
Severe or > 1 operation Decline Decline Yes, if necessary
Irritable bowel syndrome – No organic disease
Mild no disabling symptoms Standard Standard No
More severe symptoms – time lost from work Standard Exclusion No

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