sun life financial disability insurance complaints

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when the reinstatement is more than 90 days from the date the policy went out of force, regardless of the amount.ĭiscuss with our insurance advisor your particular health conditions, on our tollfree number 1-86.

when the reinstatement is more than 42 days from the date the policy went out of force and the amount is $200,001+, or.

In addition, regular evidence for age and amount (as indicated above) must be submitted: Requirements include the appropriate Application for reinstatement. For higher ages and amounts, a paramedical is required. Waiver of premiums on the life of the owner: For ages 55 and under, non-medical limits apply up to $2,500 annual premium. For ages 10 and over, add two GIB options to the face amount to determine underwriting requirements.įor Executive GIB, add the total of all options to the face amount to determine underwriting requirements.

Guaranteed insurability benefit (GIB): For children under age 10, ignore GIB in determining medical requirements. Requirements for special plans and benefits: All other requirements will be ordered by the advisor or Head Office personnel as indicated in the application. The inspection report, motor vehicle report and tele-interviews will always be ordered by Head Office personnel.

A medical and saliva will always be ordered by the advisor.

Proposed insureds age 16 or older who have lived in Canada for less than one year will require a paramedical and blood (with hepatitis B and C markers) as a minimum or, if more extensive, the regular requirements in the chart above.

Mature age focus interview will be automatically completed by the examiner for all clients over age 75.

Non-medical: Completion of all medical and risk selection questions on the application.

If collection is done through a paramedical facility, obtain a urine/HIV. * Refers to advisor-collected saliva specimens. † If completed application does not include non-medical declarations, a paramedical will be required in place of vitals. † Paramedicals can be replaced by tele-interview and vitals (new business only). Non-medicals can be replaced by tele-interview (new business only).

Sun life financial disability insurance complaints