Personal
History
-
Personal history of cancer, diabetes, heart or cardiovascular disease or
stroke (including TIA's).
- Medication for high blood pressure or evaluated cholesterol treated as
controlled.
-
Participation in hazardous sports, avocations or aviation (except as a commercial
pilot) in the last 2 years and none anticipated in the future.
-
Alcohol or drug abuse in the last 10 years.
- More than 3 moving violations in the last 5 years.
- Driving while impaired or reckless driving charge in the last 5 years.
- Ratable foreign residence or travel.
- Smoking history
- Health impairments such as asthma, depression etc.
- Age
Family
History
-
Family history of heart disease, bowel, breast or prostate cancer prior to
the age of 65 in parents or siblings.
- Death at an early age.
-
Number of incidents or occurrences per family
While
this list is not exhaustive, you can see why only some 11% of all applicants
can qualify for the very best rates. But each company is in business to sell
insurance and the underwriter will give you the very best rate he or she
possibly can.
Companies &
Ratings
We
prefer to deal only with companies that have a minimum AA rating. We are
living in uncertain times and believe that the stronger the company, the
better. Standard and Poor rank these companies "Very strong financial
security. Highly safe."
Some
Standard & Poor's Canadian Insurer Ratings as of January 30, 2003
| Company
|
Rating |
| AIG
Life Insurance Company of Canada |
AAA |
| Great
West Life Assurance Company |
AA+ |
| London
Life Insurance Company |
AA+ |
| The
Manufacturers Life Insurance Company |
AA+ |
| Sun
Life Assurance Company of Canada |
AA+ |
| The
Canada Life Assurance Company |
AA |
| Standard
Life |
AA |
| Transamerica
Life Canada |
AA |
| Maritime
Life Assurance Company |
AA- |
Joint Life
First-
to-Die In this type of policy, each party owns the policy and is insured
for the same amount. When the first death occurs, the face amount of the
policy is paid to the remaining owner.
Last-to-Die
In this type of policy, each party owns the policy and is insured for the
same amount. When the second death occurs, the face amount of the policy
is paid to the beneficiaries.
Your Insurance Age
At
the top of the quote sheet, you will see your age, for example 40, written
40/40 or 40/41. This is due to the fact that some companies consider you
a year older if you are within 6 months of your next birthday. But, don't
worry, the computer takes all of this into consideration.
What Is A Paramedical Exam?
A
paramedical exam consists of some questions about your medical history, measurements
of your height and weight, blood pressure and pulse; a urine specimen is
also collected.
Undressing is not required; a blood test may be required for higher amounts
and older ages.
This exam will be done at a time and place of your choosing.
Canadian
Insurance Companies
These
are all the companies with which we deal to obtain your quote.
| Company
|
| AIG
Life Insurance Company of Canada |
| Great
West Life Assurance Company |
| London
Life Insurance Company |
| The
Manufacturers Life Insurance Company |
| Sun
Life Assurance Company of Canada |
| The
Canada Life Assurance Company |
| Standard
Life |
| Transamerica
Life Canada |
| Maritime
Life Assurance Company |
| Industrial
alliance Life Insurance Company |
| Unity
Life of Canada |
| Reliable
Life Insurance Company |
| ACA
Assurance |
| Assumption
Mutual Life Insurance Co of Canada |
| AXA
Insurance |
| Blue
Cross Life Insurance Co of Canada |
| Co-operators
Life Insurance Company |
| L'Entraide
Assurance-Vie |
| L'Excellence
Insurance Company |
| Finactive/Desjardins
Finacial Security |
| Industrial
Alliance Pacific Life (NWL) |
| Primerica
Life Insurance Co of Canada |
| La
Survivance, Compagnie Mutuelle |
| Union
of Canada Life Insurance |
| Wawanesa
Life Insurance Company |
