Page 25 - iA Excellence -Field Underwriting Guide - Updated on July 2019

POTENTIAL UNDERWRITING DECISION APS
MEDICAL CONDITION
Life DI Life DI

Spina bifida
Spina bifida occulta
Asymptomatic: Standard Yes, if offer is
Present or in history Exclusion No
Symptomatic: Decline possible
Spina bifida – other
Present Rating to Decline Decline
Defer 6 months post Yes, if offer is Yes, if
Defer 6 months,
In history, operated, no residuals operation possible necessary
> 6 months: Standard
> 6 months: Exclusion
Yes, if offer is
In history, operated, with residuals Rating to Decline Decline No
possible
Tumours, cancer
Tumours benign, confirmed by biopsy or other diagnostic test
Present or removed:
Brain or spinal cord Present or removed: Decline
Decline
Present: Exclusion to
Present: Rating to Decline Defer
Others (subject to type and location)
Removed: Usually Standard Removed: Usually
Standard
Present: Decline Yes, if offer is possible
Removed or treated:
Present: Decline Usually Defer after 5
Tumours malignant, cancerous, subject to type, years of last treatment,
location and time since cancer-free Removed or treated: Rating
to Decline if any
> 5 years: Exclusion to
Decline
Skin cancer
Present: Decline
Present: Usually defer after Removed or treated:
surgery 1 episode: Usually
Basal cell carcinoma
Removed or treated: Usually Standard
Standard More than
1 episode: Exclusion
Yes, if offer is possible
Present: Decline
Removed or treated:
Melanoma, 1 occurrence, subject to type, Present: Decline Removed or Usually defer for 1-5
location and time since cancer-free treated: Rating to Decline years
After: Exclusion to
Decline

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