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.
Send a cover letter to explain any unusual or complex situations.
Request Personal History Tele-Interview on Advisor's section on the application
Send an applicable cover sheet with applications indicating a contact name, telephone number and email address.
Ensure that all appropriate signatures are on the application.
Submit an Illustration if it is required – i.e. Universal Life policy.
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.
Medical & Personal history
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 initialed by the client. This will help avoid having to collect signatures on delivery.
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.
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.