www.bradbrainfinancial.com | site map | contact us

Brad Brain Financial Planning Inc.

Manulife Securities Incorporated

Manulife Securities Insurance Agency

HOME ABOUT PLANNING INSURANCE MARKETS LINKS CONTACT

Insurance Home



Medical Underwriting


 

Quit worrying about your health. It'll go away.

- Robert Orben 

 

Medical Underwriting

 

Medical Underwriting

Non-Medical Underwriting

   
 

Medical Underwriting

 

Not every insurance product or provider requires medical underwriting, but evidence of good health may help to lower insurance premiums. Some insurance companies request medical examinations to provide them with a snapshot of the applicant's current health conditions. This information is then used to determine the applicant's insurability. Abnormal findings can create problems in obtaining this coverage and possibly with future applications as well.

 

Just as you would spruce yourself up for a family photo, the following tips can help you make sure the picture presented is the best possible picture for the insurance company.

 

  • You should get a good night's sleep before the exam

  • You should not exercise 12 to 18 hours before the exam

  • You should not consume any form of alcohol for at least 8 hours before the exam.

  • If possible, you should fast for 8 to 12 hours before the blood profile

  • You should not consume any form of caffeine, food, or beverage (except water) for at least 2 hours before the exam

  • You should not smoke for at least 1 hour before the exam

  • If you are taking prescription medication they should have it ready for reference at the exam

  • If you are taking over the counter medication be sure to advise the examiner

  • You should drink 8 ounces of water 1 hour before the exam

  • You should reschedule the appointment if you are under any kind of stress the day of the exam

Non-Medical Underwriting Not only do your age, gender and body type affect insurance underwriting, but possible so could your habits and hobbies.

If you engage in:

  • Aviation

  • Climbing, Caving or Trekking

  • Motor Vehicle Sports

  • Foreign Travel

  • Water Sports

  • Tobacco Use

Or any other potentially hazardous activities, they could potentially affect your insurability. Always disclose all relevant information to your insurance company. Any information that is false, incomplete, or misleading may void a policy.

 

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product of Service is not eligible for sale. Details are available on request

 

Brad Brain and Manulife Securities Incorporated and Manulife Securities Insurance Agency do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Brad Brain, Manulife Securities Incorporated and Manulife Securities Insurance Agency. The information in this communication is subject to change without notice

 

Insurance products and services are offered through Manulife Securities Insurance Agency (a licensed life insurance agency and affiliate of Manulife Securities) by Manulife Financial Advisors licensed as life agents.

 

Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Incorporated and Manulife Securities Insurance Agency.

 

The information in this communication is subject to change without notice.

 

Manulife Securities Incorporated is a Member CIPF

Brad Brain Financial Planning Inc.

Manulife Securities Incorporated

Manulife Securities Insurance Agency

Suite 101 9705 100 Ave

Fort St. John, BC V1J 1Y2

Phone: (250) 785-1655 Fax: (250) 785-1650

Email: Brad Brain, Financial Planner

 Meagan Mueller, Executive Administrator

Hit Counter