UV Assurance

Simplified Issue – Life Insurance

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Guaranteed Issue

Products
Target clientele
  • Hard-to-insure clients due to important medical issues
  • Clients who have been deferred or rejected by other insurers can be covered
  • Available for Canadian residents
  • Clients who may be declined because of their lifestyle
  • Also available for clients who were rejected with the Instant or Express issue
Summary
  • Guaranteed premiums
  • A great way to cover last expenses quickly and simply, up to $25,000
  • No medical exam, no attending physician statement or fluids required
  • Only 2 insurability questions
  • 20-pay available
  • Efficient for clients who want a quick and easy process100% online in less than 48 hours
  • Electronic delivery of the contract
  • Accidental death coverage from the very first day
  • Natural death – deferred for 24 months – premium refunded

  • Adaptable
    • 8 payment options, including a 20-pay
    • Reduced paid-up option
    • Guaranteed cash back value starting on the 10th anniversary
    • Chapters A and B must be equal
  • Integral
    • Reduced paid-up coverage starting at $1,000 of premium paid
    • Cash back value starting at age 75

For complete details on emission types and additional protections, see the Summary of types of Issue

Instant Issue

Products
Target clientele
  • Lets clients who have been deferred or rejected by other insurers to be covered
  • Available for Canadian residents
  • Allows life insurance needs to be covered quickly and simply
  • Clients who may be rejected because of their lifestyle
  • Also available for clients who would be rejected in the Express issu
Summary
  • Guaranteed premiums
  • Up to $50,000 of coverage, quickly and simply
  • No medical exam, no attending physician statement or fluids required
  • Only 8 insurability questions
  • 20-pay available
  • Efficient for clients who want a quick and easy issue, 100% online in less than 48 hours
  • The whole process is done
  • Electronic delivery of the contract
  • Accidental death coverage from the very first day
  • Natural death – deferred for the first 12 months – premium refund
  • Natural death – 50% of the insurance amount between 12 and 24 months

  • Adaptable
    • 8 payment options, including a 20-pay
    • Reduced paid-up option
    • Guaranteed cash back value starting on the 10th anniversary
    • Chapters A and B must be equal
  • Integral
    • Reduced paid-up coverage starting at $1,000 of premium paid
    • Cash back value starting at age 75

For complete details on emission types and additional protections, see the Summary of types of Issue

Express Issue

Products
Target clientele
  • Allows clients who have been deferred or declined by other insurers to be covered
  • Available for Canadian residents
  • Insure your clients quickly with few questions
  • Clients who may be rejected because of their lifestyle
  • Also available for children 0 to 15 years old
Summary
  • Guaranteed premiums
  • Coverage from the first day (not deferred)
  • No medical exam, no attending physician statement or fluids required
  • Efficient for clients who want a quick and easy issue, 100% online in less than 48 hours

  • Term Superior+
    • Exchangeable (T-10 & T-20), renewable and convertible
    • Benefit in the event of severe loss of autonomy
  • Adaptable
    • 8 payment options, including a 20-pay
    • Guaranteed cash back value starting on the 10th anniversary (with the Chapter B)
    • Reduced paid-up option
    • Also available for children 0 to 15 years old with only 8 admissibility questions
  • Integral
    • Reduced paid-up coverage starting at $1,000 of premium paid
    • Cash back value starting at age 75
  • Juvenile 30/100
    • $100,000 life insurance for children aged 0 to 15
    • $10,000 critical illness covering 9 conditions

For complete details on emission types and additional protections, see the Summary of types of Issue

NEW! Immédiate Underwriting - Term Life

Products

New!

  • Immediate decision | No additional exam, fluids or medical report from the attending physician
  • Premiums automatically determined based on answers to eligibility questions (standard or adjusted)
Get a decision similar to the one from an underwriter in just a few clicks
  • Allows customers who are declined or deferred by other insurers to purchase insurance
  • Available for Canadian residents
  • Insures customers quickly with few questions
  •  customers who may be denied for their lifestyle
  • Also available for children 0 to 15 years old

 

Summary
  • Guaranteed premiums
  • Coverage from the first day (not deferred)
  • No medical exam, no attending physician statement or fluids required
  • Enables quick coverage up to $500,000
  • Only 25 eligibility questions
  • Efficient for clients who want a quick and easy issue, 100% online in less than 48 hours

  • Term Superior+
    • Exchangeable (T-10 & T-20), renewable and convertible
    • Benefit in the event of severe loss of autonom

For complete details on emission types and additional protections, see the Summary of types of Issue

 

 

 

Three child-specific products in Simplified Issue

  • 100% online process on My Universe in less than 48 hours
  • Electronic delivery of the contract on the portal
  • No medical examination or tele-interview

For the Early Learning product, consult the Interactive Application (PDF)

Eligibility Questionnaires | Simplified Issue

Here are the Eligibility Questionnaires with all qualification questions:

These questionnaires are not a substitute for the declaration required in the electronic application and cannot be used in any way in an application for insurance. Please use the electronic application to determine client eligibility.