Items To Have Prepared For Your Application Meeting

Personal Policies

• Basic information about you
  • Name and date of birth
  • Contact information – mailing address, phone number and  email address
  • Your SIN, driver’s license number and expiry date
  • Your employment information
    • Name and address of your employer
    • Type of business
    • Nature of your occupation
  • Place of birth and immigration status in Canada
    • If you are a permanent resident, we would need your date of arrival in Canada
    • If you are a temporary resident, we would need your date of arrival in Canada as well as a copy of your student/work permit

• Think about who you want to name as your primary and contingent beneficiaries

• Financial Information 
  • Annual Earned Income and other income sources
  • Assets and Liabilities
  • If you have declared bankruptcy in the past, we would need the date declared and date discharged as applicable

• Lifestyle Information
  • Details of extended travel plans if applicable
  • Details about your avocations if you engage in hazardous activities or extreme sports
  • Driving Offenses – dates and details of violation
  • Alcohol and drug use
  • Smoker status

• Insurance History
  • Policy Number, Issue Date, Company and Benefit Amount
  • Details of any postponements, declines, ratings, restrictions or modifications in your policies
  • Any pending applications with any other carrier

•  Depending on the amount you will be applying for, we might also need your Health Information
  • Height and weight
  • Family doctor’s information and details about your most recent visit to the doctor
  • Family Health history ( biological parents and siblings) –  diagnosis, age of onset and age at death or current age if living
  • Details about any illnesses you have including date of diagnosis, symptoms, tests, surgeries and medications. Here’s a sample Health Questionnaire.

Corporate Policies

• Personal Information – please refer to the Items to Prepare for Personal Policies

• Business Information
• • Legal Name of the business and nature of the business
  • Incorporation number and business number
  • Business contact information
  • Beneficial ownership details and percentage of ownership
  • Business Financials
    • Assets and liabilities
    • Fair market value
    • Net profit last year and the previous year
  • Insurance information (if any)
  • Copies of your articles of incorporation and business registration

Minor Policies (Life Insured is less than 16 years of age)

• Owner (Basic information about you)
  • Name and date of birth
  • Contact information – mailing address, phone number and  email address
  • Your SIN, driver’s license number and expiry date
  • Your employment information
    • Name and address of your employer
    • Type of business
    • Nature of your occupation
  • Place of birth and immigration status in Canada
    • If you are a permanent resident, we would need your date of arrival in Canada
    • If you are a temporary resident, we would need your date of arrival in Canada as well as a copy of your student/work permit

Minor Life Insured

• Name and date of birth 
• Place of birth and immigration status in Canada
  • If you are a permanent resident, we would need your date of arrival in Canada
  • If you are a temporary resident, we would need your date of arrival in Canada as well as a copy of your student/work permit
    
• Gross earned income and insurance coverage for both parents 
• Insurance coverage for siblings if any 
• Lifestyle Information
  • Details of extended travel plans if applicable
  • Details about your avocations if you engage in hazardous activities or extreme sports
  • Driving Offenses – dates and details of violation
  • Alcohol and drug use
  • Smoker status

• Insurance History
  • Policy Number, Issue Date, Company and Benefit Amount
  • Details of any postponements, declines, ratings, restrictions or modifications in your policies
  • Any pending applications with any other carrier 

GIA Policy

• Basic information about you
• Name and date of birth
• Contact information – mailing address, phone number and  email address
• Your SIN, driver’s license number and expiry date
• Your employment information
• Nature of your occupation