Life underwriting requirements

Preferred risk criteria table for non-smokers

Criteria	P1	P2	P3 (standard)
Smoking habits	None for the last 10 years	None for 24 months	None for 12 months
Family history	No diagnosis or death prior to age 60 from stroke, diabetes or cardiovascular disease or cancer	One diagnosis or one death prior to age 60 from stroke, diabetes, cardiovascular disease or cancer	Case where the client does not meet P1 or P2 criteria. A substandard premium may apply.
Driving infractions	2 in 5 years	3 in 5 years
Impaired driving	0 in 5 years	0 in 3 years
Personal history	No history of cancer, diabetes, stroke or cardiovascular disease	No history of cancer, diabetes, stroke or cardiovascular disease
Treatment for blood pressure and cholesterol	Treated by diet and/or 1 medication (for one or the other condition but not one medication per condition)	Treated by diet and/or 1 medication (for one or the other condition but not one medication per condition)
Blood Pressure	< Age 39 : < 130/75 Age 40-54 :< 135/80 Age 55-64 :< 140/85 Age 65-80 :< 150/90	< Age 39 : < 135/80 Age 40-54 : < 140/85 Age 55-64 : < 150/90 Age 65-80 : < 155-90
Cholesterol	< Age 44 : < 210 Age 45-80: < 220	< Age 44:< 220 Age 45-80: < 240
Cholesterol / HDL	< Age 44 : < 4 Age 45-59 : < 5 Age 60-80 : < 5.5	< Age 44 : < 5 Age 45-59 : < 5.5 Ae 60 - 80 : < 6

Occasional Cigar Smokers may qualify for non-smoker rates (P1 - P3 risk class). A signed statement by the insured attesting to their exact use, and a negative nicotine test is required.

Preferred risk criteria table for smokers

Criteria	R1	R2 (standard)
Smoking Habits	Smoker (including pipe, cigar, cigarillo, electronic cigarette, use of shisha (chicha) and other tobacco substitutes)	Smoker (including pipe, cigar, cigarillo, electronic cigarette, use of shisha (chicha) and other tobacco substitutes)
Family History	No diagnosis or death prior to age 60 from stroke, diabetes, cardiovascular disease or cancer.
Driving Infractions	3 in 5 years.
Impaired Driving	0 in 3 years
Personal History	No history of cancer, diabetes,stroke or cardiovascular disease
Treatment for blood pressure and cholesterol	Treated by diet and/or 1 medication (for one or the other condition but not one medication per condition)	Cases where client does not meet all criteria for R1 risk class (substandard premiums or ratings may apply).
Blood Pressure	< Age 39 : < 135/80 Age 40 - 54 : < 140/85 Age 55 - 64 : < 150/90 Age 65 - 80 : < 155/90
Cholesterol	< Age 44 : < 220 Age 45-80 : < 240
Cholesterol/HDL	< Age 44 : < 5 Age 45-59 : < 5.5 Age 60 - 80 : < 6

Height and weight chart

Height and weight chart for preferred rates

Height (feet)	Weight (pounds)	Weight (pounds)	Weight (pounds)
	P1	P2	R1
4' 10"	140	144	144
4' 11"	144	150	150
5' 0"	148	155	155
5' 1"	152	159	159
5' 2"	156	164	164
5' 3"	160	167	167
5' 4"	165	172	172
5' 5"	170	177	177
5' 6"	175	183	183
5' 7"	182	190	190
5' 8"	187	196	196
5' 9"	194	202	202
5' 10"	198	210	210
5' 11"	202	216	216
6' 0"	209	220	220
6' 1"	215	226	226
6' 2"	221	232	232
6' 3"	227	240	240
6' 4"	231	247	247
6' 5"	235	254	254
6' 6"	239	257	257
6' 7"	245	261	261
6' 8"	251	267	267
6' 9"	257	274	274

Underwriting requirements

Eligible products for preferred rates

Term life insurance (T10, T15, T20, T25, T30 and T65)

Sum Insured* ($)	0-17	18-40	41-50	51-60	61-65	66 et +
0 - 100,000	1^FT	1^FT	1^FT	1^FT	1^FT	3
100,001 - 249,999	1^FT	1^FT	1^FT	1^FT	5	5
250,000 - 499,999	1^FT	1^FT	1^FT	1 ^FT-RE or TI	5	5
500,000	1^FT	1 ^FT-RE or TI	1 ^FT-RE or TI	5	5	5
500,001 - 2,000,000	1	1 ^FT-RE or TI	1 ^FT-RE or TI	5	5	5
2,000,001 +	1	5	5	5	5	5

Legend (Evidence of insurability required)

^FT Eligible for a point-of-sale decision with predictive analytics

^FT-RE Eligible for a point-of-sale decision with possible additional requirements based on predictive analytics**

1. Non-medical

2. Non-medical and Urine

3. Non-medical and Paramedical

4. Non-medical, Paramedical and Urine

5. Non-medical, Paramedical, Blood profile and Urine

TI: Non-medical, Tele-interview (the tele-interview will be ordered by head office)***

Notes:

* Sum insured is the total amount of insurance taken out in the last 6 months with Desjardins Insurance.

** Based on the predictive analytics results, Desjardins Insurance will select proposed insureds who'll need to undergo a comprehensive medical assessment (blood profile, urinalysis, vital sign measurement).

*** Desjardins Insurance will select proposed insureds who'll need to undergo a paramedical exam and provide a blood profile and urinalysis instead of taking part in a tele-interview.

- For individuals age 65 and under, medical requirements are valid for 12 months.

- For individuals age 66 and over, the requirements are valid for 6 months, except the resting and stress electrocardiogram and the inspection report, which are valid for 12 months.

- Desjardins Insurance reserves the right to request additional information to better assess risk, regardless of the client's age or sum insured.

Non-eligible products for preferred rates

Permanent life insurance (T100, L10, L15, L20, L65 and L100)
Participating life insurance
Universal life insurance

Sum Insured* ($)	0-17	18-40	41-50	51-60	61-65	66 and +
0 - 100,000	1^FT	1^FT	1^FT	1^FT	1^FT	3
100,001 - 249,999	1^FT	1^FT	1^FT	1^FT	5	5
250,000 - 499,999	1^FT	1^FT	1^FT	1^FT-RE or TI	5	5
500,000	1^FT	1^FT-RE or TI	1^FT-RE or TI	4	5	5
500,001 - 2,000,000	1	1^FT-RE or TI	1^FT-RE or TI	5	5	5
2,000,001 +	1	5	5	5	5	5

Legend (Evidence of insurability required)

^FT Eligible for a point-of-sale decision with predictive analytics

^FT-RE Eligible for a point-of-sale decision with possible additional requirements based on predictive analytics**

1. Non-medical

2. Non-medical and Urine

3. Non-medical and Paramedical

4. Non-medical, Paramedical and Urine

5. Non-medical, Paramedical, Blood profile and Urine

TI: Non-medical, Tele-interview (the tele-interview will be ordered by head office)***

Notes:

* Sum insured is the total amount of insurance taken out in the last 6 months with Desjardins Insurance.

*** Desjardins Insurance will select proposed insureds who'll need to undergo a paramedical exam and provide a blood profile and urinalysis instead of taking part in a tele-interview.

- For individuals age 65 and under, medical requirements are valid for 12 months.

- For individuals age 66 and over, the requirements are valid for 6 months, except the resting and stress electrocardiogram an the inspection report, which are valid for 12 months.

- Desjardins Insurance reserves the right to request additional information to better assess risk, regardless of the client's age or sum insured.

Attending physician's statement (APS)

An attending physician's statement (APS) may be required if a client has health problems related to one or more of the following conditions:

Cancer
Cerebrovascular disorders
Chronic obstructive pulmonary disease (COPD)
Crohn’s disease
Disabling chronic pain
Heart disorders
Hepatitis
Kidney disorders (e.g.: glomerulonephritis)
Neurological disorders diseases (e.g.: multiple sclerosis)
Psychological disorders (e.g.: bipolar disease, psychosis, schizophrenia)
Ulcerative colitis

Note: This list is not exhaustive. Other health conditions may be added.

An attending physician's statement will be required based on the criteria below:

Age	Amount
0-17	> $2,000,000
18-40	> $3,000,000
41-55	> $2,000,000
56-69	> $1,500,000
70-75	> $100,000
> 75	$0

Important: In addition to the above criteria, Desjardins Insurance reserves the right to request additional information from the attending physician in order to better assess the risk.

Preferred offer

The preferred offer allows insureds over age 50 who have qualified for preferred underwriting (P1, P2 or R1) to increase the insurance amount without new evidence of insurability or additional premium.

Preferred offer details

The Preferred Offer is available for all term life insurance coverages and applies to these insured:

51-60: $500,000 to $750,000
61 and over: $250,000 to $750,000

For individual coverage: This offer is not available when the P1 or R1 rate class is selected for the insured.

For Joint-First-to-Die coverage: This offer is not available when the P1 or R1 rate class is selected for an insured.

For Business insurance: This offer is not available.

How my client can take advantage of the Preferred Offer?

You simply have to check the "Pref. Offer" box in the Illustration software. Then, you authorize Desjardins Insurance to issue the insurance contract with a higher amount of insurance, without the need for new evidence of insurability. If the "Pref. Offer" box is not checked, the premium will be reduced.

Illustration Software

Travel reports and warnings

You may consult the government site for countries considered at high risk for travel. The possibility of an adverse decision is greater for countries representing higher risks. Please note that this information must be used as a guideline and each case will be subject to underwriting review.

​Life underwriting requirements

​​Preferred risk criteria table for non-smokers

Preferred risk criteria table for non-smokers

Preferred risk criteria table for smokers

Height and weight chart

Height and weight chart for preferred rates

Underwriting requirements

Eligible products for preferred rates

Legend (Evidence of insurability required)

Notes:

Non-eligible products for preferred rates

Legend (Evidence of insurability required)

Notes:

Attending physician's statement (APS)

Preferred offer

Preferred offer​ details

How my client can take advantage of the Preferred Offer?

Travel reports and warnings

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Life underwriting requirements

Preferred risk criteria table for non-smokers

Preferred offer details