Page 7 - iA Excellence -Field Underwriting Guide - Updated on July 2019

Foreign travel
GENERAL CONSIDERATIONS FOREIGN TRAVEL DEFINED
The factors that affect consideration of applicants Foreign travel is considered:
who plan foreign travel can change very quickly. — One or more trips outside Canada or the United
These guidelines should not be substituted for States that total one month or more within the
common sense. The current political, environmental, same year, for the previous two years; and/or
military, criminal and health factors for each country
or area where the travel is contemplated must be — For the next two years, trips to a maximum of
considered. six months.
Travel history for the two years prior to the The travel can be for vacation, family visits or
application is of interest; however, underwriting is business.
primarily based on future contemplation of travel Periods longer than six months would be classified
and not on past history. as temporary foreign residence and would be

An offer with an exclusion of a particular country, underwritten accordingly. See TEMPORARY FOREIGN
or countries, is applied when possible. If not, the RESIDENCY under the section Foreign residency
application will be declined. The exclusion rider above.
usually applies up to two years after returning to
Canada, with no contemplation of such travel again
within the next two years.
Humanitarian, volunteering and missionary travels
usually lead to a decline of the application.

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