Page 24 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Defer 6 months
2 or more episodes with anticoagulant Decline
treatment after recovery > 6 months: Rating to Yes No
Standard
Other Decline Decline

Pulmonary embolism
Defer 6 months Caused by venous
1 episode, subject to type of treatment and > 6 months: Rating thrombosis, see
severity, no residuals Yes, under certain conditions
With residuals: Decline Thrombophlebitis above
2 episodes, continuous anticoagulant Defer 1 year > 1 year: Rating Decline
3 episodes or more, or no continuous Decline Decline Yes, if necessary
anticoagulant
Sleep apnea
Central sleep apnea
All cases Decline Decline Yes, if necessary
Obstructive sleep apnea, mixed apnea, good compliance with treatment, including CPAP
≤ 3 months of treatment:
Mild Standard to Rating Defer
> 3 months: Exclusion
Yes, under certain conditions
≤ 3 months of treatment:
Moderate Rating Defer
> 3 months: Exclusion
≤ 12 months of
treatment: Defered
Severe Decline Yes, if necessary
> 12 months: Exclusion
and Rating
Sleep disorders
Insomnia
Mild – no time lost from work, no medication Standard Exclusion for 90 days No
or occasional
Other: details required about symptoms, time
lost from work, medication, treatment, number Standard to Rating Exclusion No
of episodes and duration of stability
Narcolepsy
Fully investigated, compliant and good Defer after 2 years of
response to treatment, non-hazardous stable Standard to Rating treatment Yes
occupation, no driving criticism > 2 years: Exclusion

Other Decline Decline

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