During COVID-19, we’ve tried to make it easier for you to do business with us by adapting some of our processes. We’ve since learned that some of these relaxed rules make good sense to continue. For example, now your clients won’t be inconvenienced by paramed appointments to verify their identity. That’s great news as you continue to adapt to the ‘new normal’.

New permanent processes

·         Obtaining client verification through non-face-to-face (NF2F) means is now a permanent process for all insurance products.

·         The new relaxed underwriting rules for disability insurance are now permanent.

·         Some of the higher limits for underwriting critical illness insurance without vitals or fluids are permanent too:

o   Ages 18 to 40 for $250,000 or less of coverage

o   Ages 41 to 50 for $100,000 or less of coverage

On the other hand, we’ve rolled-back some COVID-related temporary measures as services have become more accessible. We’ll continue to remain flexible and communicate any changes as they happen.

Processes that are rolled-back to pre-COVID status

·         As we’re now able to obtain medical evidence closer to normal expected timelines, we’ve returned the protection of TIA and CIA to 90 days.

·         Random urine sampling has resumed for various ages and amounts.

·         We returned to our original $50,000 threshold for accelerated life and non-registered wealth claims on Sept. 1, 2020.

For the full list of insurance processes, including the temporary measures that are still in place, please view the Complete guide to doing Canada Life insurance business