The insurance carriers have created guidelines to help you anticipate the decisions the insurers will make when an insurance application is submitted and the proposed insured presents a specific condition.
The guidelines include common medical and non-medical conditions. For each condition, the guidelines indicate factors that may influence the risk and presents an overview of the decisions you may expect. However, the final decision is subject to underwriting upon receipt of the application and it may differ once the file has been assessed.
Canada Life Field Underwriting Guide (you must be logged into RepNet to access the various sections of the guide)
CPP Product and Underwriting Guides - includes build charts
Desjardins Pre-Screening Guide (you must be logged into WEBI to access)
Desjardins Underwriting - Information Guide (you must be logged into WEBI to access)
Desjardins Underwriting guidelines for newcomers to Canada (you must be logged into WEBI to access)
Empire Life - Life and Critical Illness Insurance Underwriting Guide -includes build chart
Empire Life - Preferred Underwriting Criteria Guide 2023 for For Solution 10, 15, 20, 25 and 30 - includes build chart
Equitable Guide to Individual Underwriting - includes build chart
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