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Standard life individual insurance underwriting requirements (4439)
Underwriting requirements ProtectaCritical Illness insurance Definitions Amount of Underwriting Requirements Insurance Non-Medical: Non-medical Supplement
Non-Medical + UHIV or Tel-Express + UHIV
Tel-Express: Taped telephone interview
for collection of medical information –
PARALIFE: Paramedical examination –
PARALIFE + BCP + ECG (for ages 46 to 50)
MEDILIFE: Medical examination –
MEDILIFE(internist): Medical
MEDILIFE + BCP with PSA + Stress ECG + APS + IR
Perspecta Universal Life insurance, Term 10/20 Renewable & Convertible insurance and Whole Life insurance UHIV: Urine test inluding test for
Amount of Underwriting Requirements Insurance BCP: Blood Chemistry Profile blood test
APS: Attending Physician’s Statement
Stress ECG: Stress Electrocardiogram
1,000,001 – 2,000,000 PARALIFE + BCP + MVR + CFQ
2,000,001 – 3,000,000 PARALIFE + BCP + ECG + APS + MVR + IR
3,000,001 – 5,000,000 PARALIFE + BCP + ECG + APS + MVR + IR with CFQ or FS
MEDILIFE + BCP + ECG + APS + MVR + IR with financial statements
1,000,001 – 2,000,000 PARALIFE + ECG + BCP + MVR + CFQ
IR with CFQ or FS: Inspection Report
2,000,001 – 3,000,000 PARALIFE + BCP + ECG + APS + MVR + IR
3,000,001 – 5,000,000 PARALIFE + BCP + ECG + APS + MVR + IR with CFQ or FS
MEDILIFE + BCP + Stress ECG + APS + MVR + IR with
IR with financial statements: Inspection
1,000,001 – 2,000,000 MEDILIFE + BCP + ECG + APS + MVR + CFQ
2,000,001 – 3,000,000 MEDILIFE + BCP + ECG + APS + MVR + IR
3,000,001 – 5,000,000 MEDILIFE + BCP + ECG + APS + MVR + IR with CFQ or FS
MEDILIFE + BCP + Stress ECG + APS + MVR + IR with
† See reverse for approved agencies
*Applies to Perspecta Universal Life and Whole Life insurance policies only. For insurance representative use only.Perspecta Universal Life, Term 10/20 R&C and Whole Life insurance (continued) †Approved agencies Amount of Underwriting Requirements Insurance
all blood and urine tests are to be sent
exclusively to LabOne Canada Inc.
1,000,001 – 2,000,000 MEDILIFE + BCP + ECG + APS + MVR + CFQ
2,000,001 – 3,000,000 MEDILIFE + BCP + ECG + APS + MVR + IR
3,000,001 – 5,000,000 MEDILIFE + BCP + ECG + APS + MVR + IR with CFQ or FS
MEDILIFE + BCP + Stress ECG + APS + MVR + IR with
• First Financial Underwriting Services
1,000,001 – 2,000,000 MEDILIFE + BCP + ECG + APS + MVR + CFQ
2,000,001 – 3,000,000 MEDILIFE + BCP + ECG + APS + MVR + IR
3,000,001 – 5,000,000 MEDILIFE + BCP + Stress ECG + APS + MVR + IR with CFQ or FS
MEDILIFE + BCP + Stress ECG + APS + MVR + IR with
• Keyfacts Life & Health inc.††
†† Agencies approved to handle APS requirements and
1,000,001 – 2,000,000 MEDILIFE + BCP + ECG + APS + MVR + CFQ
2,000,001 – 3,000,000 MEDILIFE + BCP + ECG + APS + MVR + IR
3,000,001 – 5,000,000 MEDILIFE (internist) + BCP + Stress ECG + APS + MVR + IR with
** The minimum sum insured is $25,000 for Whole Life
insurance, $50,000 for Perspecta Universal Life insurance
MEDILIFE (internist) + BCP + Stress ECG + APS + MVR + IR with
and $100,000 for Term 10/20 R&C insurance.
This document presents the general rules applied
at The Standard Life Assurance Company of Canada
(“Standard Life”) for the underwriting of certain of its retail
products and should, in no way, be viewed as limiting
the right of Standard Life to refuse to insure risks based
1,000,001 – 2,000,000 MEDILIFE (internist) + BCP + ECG + APS + ADL + MVR + CFQ
on criteria or requirements not listed here. Coverage
2,000,001 – 3,000,000 MEDILIFE (internist) + BCP + ECG + APS + ADL + MVR + IR
remains subject to conditions, restrictions and limitations
3,000,001 – 5,000,000 MEDILIFE (internist) + BCP + Stress ECG + APS + MVR + IR with
found in the applicable policy and related documents.
Though Standard Life has taken all reasonable care to show
MEDILIFE (internist) + BCP + Stress ECG + APS + MVR + IR with
accurate information, it reserves the right to correct any
error or omission. Underwriting criteria and requirements presented here are those in effect at the time of publication and may be subject to change without notice. General notes
1. If over age 17, and not a permanent Canadian resident for at least 1 year, obtain a Blood Chemistry
Profile with hepatitis B and C screens in all cases.
2. When Guaranteed Insurability Benefit (GIB) is requested, add 2 times the GIB amount to the Initial Sum
Insured and refer to the table for requirements.
3. If a client is applying for both a Preferred and a Non-Preferred product simultaneously, use the
Preferred products chart for the total Sum Insured applied for.
4. Additional requirements may be ordered at Standard Life’s discretion.
5. For Life Insurance, if a proposed insured has applied for other insurance in the last 12 months with
Standard Life or with another Insurance Company, the total sum insured applied for during this period will be added together to determine the necessary underwriting requirements.
6. An Insured for Critical Illness insurance will be deemed a “non-smoker” if he/she has not, within the
previous 12 months of applying for Critical Illness insurance, used tobacco in any form including: cigarettes, cigarillos, any form of cigars, marijuana, chewing tobacco, and pipe or used any products to stop smoking such as: ZYBAN®, nicotine patches, nicotine gum.
7. APSs will always be required on applicants who have had check-ups within six months of applying for
Critical Illness coverage, or at Standard Life’s discretion.
8. If a client is applying for both Critical Illness and Life Insurance, use the appropriate underwriting
chart for each product and Sum Insured. Do not duplicate the requirements, instead order the most stringent test. (MEDILIFE replaces PARALIFE, stress ECG replaces an ECG etc.)
Department of Mathematics & StatisticsTIME: 3 hours. You are permitted to use one 8 1/2 × 11 “cribsheet”, but no other notesor papers, in this examination. 1. In a study of human blood types in non-human primates, a sample (assume it wasrandom!) of 71 orangutans were tested and 14 were found to have blood type B. (a) Construct a 90% confidence interval for the proportion of in
74HC4075-Q100; 74HCT4075-Q100 Triple 3-input OR gate Rev. 1 — 22 May 2013 Product data sheet 1. General description The 74HC4075-Q100; 74HCT4075-Q100 is a triple 3-input OR gate. Inputs include clamp diodes. This enables the use of current limiting resistors to interface inputs to voltages in excess of VCC. This product has been qualified to the Automotive Electronics Council (