Brad Brain Financial Planning Inc

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Brad Brain Financial Planning Inc.

Manulife Securities Incorporated

Manulife Securities Insurance Agency

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Insurance Home Life Insurance Critical Illness Insurance Disability Insurance Long Term Care Insurance Health & Dental Insurance Travel Insurance Group Benefit Plans 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

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