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Guaranteed Issue
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For complete details on emission types and additional protections, see the Summary of types of Issue
Instant Issue
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For complete details on emission types and additional protections, see the Summary of types of Issue
Express Issue
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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)
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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.
- Reference Guide | Eligibility Questionnaire – Simplified Issue
- Eligibility Questionnaire | Simplified Issue for children (Adaptable and Juvenile 30/100))
- Eligibility Questionnaire – Credit Insurance Rider and WPD and WPDD | Simplified Issue
- Eligibility Questionnaire | Children Rider (Life Insurance)