Electronic Application Tutorial

Qualifying your client

Answer the qualification questions and select the desired products.

You can complete this section in any order. For example, you can make a coverage selection to calculate the premium and then validate eligibility, or vice-versa.

For simplified life insurance, the client’s answers to the qualification questions (medical history and lifestyle habits) will determine his or her eligibility.

For guaranteed issue whole life insurance, only the following general question is required: Has a physician informed you that you have less than 2 years to live?

If your client is not eligible for the desired product, you must recommend another one and select the designated application. Go to ssq.ca/simplified to consult the Product Description and Underwriting Guidelines document for simplified life insurance.

If your client then opts for a Term Plus or critical illness product instead, you must close the current application and create a new one.