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Fast & Full Tips

Application / Administration - Fast & Full

  • For linked applications in Fast & Full send an email to eappadmin@empire.ca and indicate which policy numbers should be linked.
  • Include the policy number on all correspondence. Only send correspondence to the appropriate policy number, i.e. do not email the settling requirements for multiple policies in one email
  • Due to the nature of the Personal History Tele-Interview, we require a phone number for every application.
  • Ensure the client understands the process for receiving an electronic signature, let them know that sometimes the email will go to a junk or spam folder depending on their email setup.
  • When using Fast & Full the requirements are ordered by Empire Life immediately at the time of submission.
  • All Paramedical requirements: Paramedical, Blood, Urine, Vitals, Personal History Tele-Interviews, Inspection Reports, MVRs (with the exception of Alberta where the client must obtain), and APS' are ordered by Empire Life Head Office.  We offer the ability to select the vendor of choice Dynacare or ExamOne for Fast & Full Applications.  If not selected the default is Dynacare.
  • When using Fast and Full do not add in any unnecessary comments into the Special Instructions - this automatically flags the policy for a second look by an Empire Service Representative, and may cause delays.  If there is information important to the application that you wish to add please send an email quoting the policy number to insurance@empire.ca.

Medical and Personal History - Fast & Full

  • Don't use occupational descriptions such as: self employed, maternity leave, consultant. Be specific as to what the client does, what type of business they own or what they did before going on maternity leave.
  • Ensure that questionnaires are completed for occupational, hazardous sports, foreign travel, driving, etc.
  • Always include the doctor's name and address so the APS can be ordered ASAP.

Financial - Fast & Full

  • Provide financial documents as well as financial questionnaires to support large cases.
  • Remember to tell us the source of any unearned income or income from sources other than the primary occupation.

 

Paper Applications Tips

Application / Administration - Paper Applications

  • If sending in paper clearly mark linked applications and clip applications together.  For example, family members or business partners who are to be underwritten together.
  • Include the policy number on all correspondence. Only send correspondence to the appropriate policy number, i.e. do not email the settling requirements for multiple policies in one email.
  • Send a cover letter to explain any unusual or complex situations. Be sure to include the policy number and the insured’s name on this cover sheet.  
  • Due to the nature of the Personal History Tele-Interview, we require a phone number for every application.
  • Ensure that all appropriate signatures are on the application and/or on any questionnaires. If completing  a paper application we are currently requiring that the Covid-19 (Coronavirus) Exposure Questionnaire / Covid -19 (Coronavirus) Exposure Questionnaire For Health Care Workers to be submitted at the same time.
  • Submit an up to date (v. 11.9+) Illustration if it is required – i.e. Participating Life policy.
  • For paper applications in good order the requirements are ordered within 24 hours.
  • If using a paper application please use the current version dated June 2020.
  • All Paramedical requirements: Paramedical, Blood, Urine, Vitals, Personal History Tele-Interviews, Inspection Reports, MVRs (with the exception of Alberta where the client must obtain), and APS' are ordered by Empire Life Head Office.  For Paper Applications the order for the requirements are sent to Dynacare only.
  • Complete FATCA information on the application.

Medical and Personal History - Paper Applications

  • For paper answer all questions either Yes or No – we cannot accept N/A, leaving a question blank or crossing out the question.
  • Provide full details on a YES answer – complete the appropriate questionnaire and this may help to avoid APS ordering – i.e. – asthma, depression, etc.
  • Don't use occupational descriptions such as: self employed, maternity leave, consultant. Be specific as to what the client does, what type of business they own or what they did before going on maternity leave.
  • Don't use medical result descriptions such as OK or fine. Be specific and tell us if the results were normal, abnormal, no concerns etc.
  • Ensure that questionnaires are completed for occupational, hazardous sports, foreign travel, driving, etc.
  • Always include the doctor's name and address so the APS can be ordered ASAP.
  • Ensure that any changes or additional information are initialled by the client. This will help avoid having to collect signatures on delivery.  Do not use white out.
  • When requesting a Child Rider please ensure that the 3rd column on the non-medical is completed – this, as well as other information on the children, is often missed.

Financial - Paper Applications

  • Provide financial documents as well as financial questionnaires to support large cases.
  • Remember to tell us the source of any unearned income or income from sources other than the primary occupation.