How electronic applications work
An eApp will display the premium amount, but it's not currently possible to import illustration data to an application. Please attach your illustration files to your eApps.
Term life, permanent life, universal life, critical illness and individual disability insurance products are available on the platform plus all their riders. Simplified issue life insurance products are supported on our other electronic applications.
Once the signature procedure has been completed, clients receive an email that allow them to read and download the application.
Yes. Before using eApps, make sure your clients have an email address and mobile phone number.
To change the language setting, go to the top right-hand side of the screen and click the drop-down menu with your name.
You don’t need to worry about delivering the certificate. Since it’s integrated into applications, the client receives it with the signature request, if he or she is eligible.
It’s not possible to make changes to applications that have already been submitted through an App. If such a change is needed, simply fill out the Contract Change form and send it to: [email protected].
If, however, an application hasn’t been submitted for processing yet (i.e. it hasn’t been signed by all parties, including you), you can make changes using an eApp. In that case, the entire signature process must be repeated.
Some types of files cannot be attached to an application. The eApps only accept the most popular file types. The best thing to do is convert your file to a PDF.
Yes. You must attach the replacement notice form to your electronic application. Otherwise, you need to email it to [email protected] within five days after submitting the electronic application.
Yes. Both options are available in the eApps.
In electronic applications, the premium widget will display the minimum premium for universal life insurance, including riders and additional benefits. It will not display the billable premium selected by the client.
Yes. The illustration is not only mandatory, it also takes precedence over the choice of products and coverage amounts in the applications.
Choice of coverage
This is probably because you left out some important fields in Section 1, such as the insured person’s date of birth or gender. It may also be because the date of birth is incorrect. If so, the electronic application does not display the products available for the insured person.
Make sure a green check mark appears next to the title of the General Information section.
Personal and medical information
Refer to the underwriting requirements. If a paramedical or medical exam is required based on age and amount, you can skip the medical and personal information.
Refer to the underwriting requirement. If a paramedical or medical exam is required based on age and amount, you can skip the medical and personal information.
You just need to open the PDF form that the electronic application displays on your workstation, then save and complete it. Ensure that you attach the form to your application.
Agreement and payments
All payment options are listed on the platform.
If the annual premium is paid by cheque, it must be sent in at the time the contract is delivered.
Individual Insurance and Financial Services
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Signatures and documents
Once the signature procedure has been completed, clients receive an email that allow them to read and download the application.
Yes. Simply cancel the signature request and re-submit it.
Your client will never receive the email and you will have to go and validate it. If you need to correct it, you will have to cancel the original signature request, correct the wrong email address and send the signature request again.
The client won’t be able to receive the authentication message when he or she tries to access the application. You’ll need to redo the signature procedure in the eApp and enter the correct phone number.
If you attach a secured PDF or one signed by another electronic signature solution, such as DocuSign, you will not be able to send your request for signature. You will need to attach a PDF that is not electronically signed or locked. Without the illustration, it will not be possible to send an application for signature.
