Page 23 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Labyrinthitis, Meniere’s disease, vertigo
Labyrinthitis
See Meniere’s disease
Present Decline
below Yes, under
certain No
In history, fully investigated, complete Standard Defer 1 year conditions
recovery, 1 episode > 1 year: Exclusion
In history, fully investigated, recovery >1 Standard See Meniere’s disease Yes, under certain conditions
episode below
Meniere’s disease
Fully investigated, cause known Rate for cause Rate for cause Yes, subject to cause
Fully investigated, cause unknown
Present Decline

Defer 2 years
Subject to severity:
> 2 years: Exclusion Yes, under certain conditions
In history, fully recovered Standard to Rating
> 5 years: Usually
Standard

Vertigo
Present Decline Decline No
In history, fully investigated, cause known Rate for cause Rate for cause Yes, subject to cause
Defer 1 year Yes, under
In history, fully investigated, cause unknown, certain No
recovery, 1 episode Subject to severity: > 1 year: Exclusion conditions
Standard to Rating
In history, fully investigated, cause unknown, See Meniere’s disease Yes, under certain conditions
recovery >1 episode above
Phlebitis/Thrombophlebitis (other than varicose veins)
Lower limbs and hips, 1 upper limb
Superficial veins: ≤1
year: Exclusion 90 days
1 episode, no complications, completely Defer 2 months > 1 year: Standard No
recovered > 2 months: Standard Deep veins: ≤ 2 year:
Exclusion
> 2 years: Standard
Defer 1 year As above, Exclusion
1 episode, with complications (pulmonary >1 year: Rating to Decline to Decline subject to Yes
embolism, etc.) subject to nature and nature and severity of
severity of complications complications
Defer 1 year (and
minimum 6 months after
Defer 6 months end of anticoagulant)
2 or more episodes without anticoagulant Usually No
treatment after recovery > 6 months: Rating to > 1 to ≤ 5 years:
Standard Exclusion

> 5 years: Standard

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