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What to Expect
Understanding the Application Process
Thank you for trusting OMA Insurance to protect you and your family.
Applying for insurance is a collaboration between OMA Insurance and the insuring company. A little preparation goes a long way toward the success of your insurance application.
This guide outlines what you can expect to happen during the underwriting of your application and how you can help ensure the process stays on schedule.
But what exactly happens next?
You will need to complete an application form.
The average time from the receipt of your application to receipt of
is 6 to 8 weeks. This depends on how quickly the insurance company’s underwriter can obtain the necessary medical information and if needed, financial documents to assess your application.
Before you apply ensure that your medical association membership is active. If you’re not a member yet, contact your local medical association or society to apply for membership.
On your application;
• answer all questions fully
• provide details where required
• include your member number
• sign and date your application
• attach a cheque marked VOID or your banking information from a Canadian banking institution
As part of the underwriting process, you will need to complete a telephone interview which will include questions about your health and your family medical history.
Within 3 to 5 days of your application being submitted to the underwriting company, you will be contacted by a representative of our paramedical service provider (ExamOne) to
complete the telephone interview.
The interviewer will ask you about:
• doctors’ visits
• your medical and personal history
• your immediate family’s (parents, siblings) medical history
• setting an appointment for your blood and urinalysis specimen to be collected, as well as taking your vitals
If you are applying for life insurance,
you may be asked a few questions about your financial assets.
Prepare for the interview by having the following
• medical conditions - diagnosis & date
diagnosed, treatment & result of treatment,
treating physician information
• medications used - prescribed and
over-the-counter; names & dosages; how
• primary care physician’s name, address,
• other medical visits in the last 5 years
ncluding doctors, clinics, hospitals (include
dates and reasons for each visit)
• your immediate family’s (parents and siblings)
If you are applying for both life and disability insurance, each insurance company will use the completed interview to underwrite your application. If both applications are submitted within 90 days of each other you do not have to complete a second telephone interview.
Depending on your medical history, the average telephone interview takes 20 to 30 minutes.
An ExamOne representative will arrange for a convenient time and location to collect your specimen. On the day of the visit, the examiner may also take your vitals and record your height and weight. A copy of the lab
esults will be sent to you by the
The average time for the visit is 15 minutes.
Prepare for the visit:
• have your government-issued photo
• provide any history of problems associated
with providing a specimen
• if possible, for the 12 hours prior to
• avoid strenuous exercise
• limit salt & high cholesterol food
• refrain from alcohol intake
• try to fast for at least 3 hours before the
• limit caffeine & nicotine for 1 hour; and
• drink a glass of water just before the
If you are unable to keep the appointment, contact the ExamOne representative promptly to reschedule.
To complete the underwriting assessment of your application, further medical information regarding your health history may be
requested from your physician. In some cases a specialist report may also be needed.
Average time for completion of APS is 20 to 25 business days.
Advise your doctor to expect the request.
Based on your medical history or the amount of insurance you are applying for, you will be notified if any additional information is needed to assess your application such as:
• Medical Exam
• Supplementary Questionnaires
• Financial Information
The underwriter will notify you if any additional information is required.
Arrange for the completion of any additional requirements as soon as possible. Return all completed documents to Sun Life as quickly as possible in the return envelope provided or by fax to 1.800.367.0813.
Once all requirements are received, the underwriter will render a decision,
usually within 5 business days of receiving the last underwriting requirement.
You will be mailed a Certificate of Insurance if your application is approved. Premium payments will begin according to the mode of
payment you selected.
If your application is approved with changes, you will be sent an amendment form for review
and acceptance before the coverage takes effect and premiums begin.
If your application is not approved, you will receive a confidential letter explaining the reason.
If your application is approved as applied for then no further action is required.
If your application is approved on an amended basis - carefully review the documents sent to you, and if you agree, sign and return all required
documentation within 30 days in the return envelope provided or by fax to 1.800.367.0813.
File all insurance documents with your Will and other important papers.
Contact either OMA Insurance or Sun Life if you have any questions.
Getting ready for your Insurance Examination Appointment.
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