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Your Insurance Application NEXT STEPS Congratulations! Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. 200 rue des Commandeurs, Lévis QC G6V 6R2 1 8 6 6 6 4 7 5 0 1 3 16147E05 (2019-02) Your insurance application NEXT STEPS Congratulations! You’ve made an important decision by applying for insurance. Right now, Desjardins Insurance is reviewing your application carefully. In this reference document you’ll find what’s left to do in the approval process. 1 | Medical exams and reports 2 | Decision 3 | Insurance contract delivery DURATION ✓ PROCEDURE DESCRIPTION PREPARATION AND DOCUMENTS Medical exams (minutes) Stress This procedure is performed • Wear loose, comfortable clothing. 30 to 35 and reports Electro- at a medical clinic or • Refrain from smoking for at least 1 cardiogram hospital. You’ll need to run one hour before the procedure. In the next few days, a representative from a paramedical company will contact you to schedule an on a treadmill or pedal on • Eat a light meal an hour or two appointment for a paramedical exam, at your convenience and at the location of your choice. This a stationary bike, while before the procedure (no caffeine exam is designed to assess your health and insurability. Desjardins Insurance will cover all costs and wearing leads that record or alcohol). expenses related to these exams or tests. In the table below, we’ve checked off everything that applies the electrical impulses • Take your prescription drugs, to you, based on the insurance amount you’ve applied for and your age: generated by the if applicable. contraction and relaxation • Provide a photo ID. DURATION of your heart. • List the names and dosages of PROCEDURE DESCRIPTION PREPARATION AND DOCUMENTS ✓ (minutes) any medication you’re taking. Paramedical A health professional will You’ll need to: 30 to 45 Inspection A licenced inspector will You’ll need to provide financial 20 to 40 gather information such as • Provide a photo ID. Report conduct a telephone information, including your annual height, weight, blood pressure • List the names and dosages of any interview, that may include income and net worth (assets-debts). and pulse rate. They’ll also go medication you’re taking. questions about your over your personal and family • Provide your attending physician’s occupation, lifestyle, past medical history with you. name and address. financial situation, etc. Urine A health professional will No fasting is required, but you’ll need to: 10 to 15 Motor Vehicle This is a report indicating You’ll need to sign an Access – Report whether you’ve committed Authorization for Motor Vehicle provide you with a sealed • Drink a glass of water about one any Highway Safety Code Report that will be provided kit to collect urine sample. hour before the sample is collected. violations. to you (Quebec only). • Provide a photo ID. • Sign an authorization form. Congratulations! Blood profile A health professional will bring When you book your appointment, 10 to 15 Depending on your past medical history or preliminary results from any of the above tests, we may need a sterile sealed kit to collect you’ll be told whether you need to more information from you. If so, we will call you. You’ve made an important decision blood sample. fast and for how long. DURATION by applying for insurance. Right now, You’ll need to: PROCEDURE DESCRIPTION PREPARATION AND DOCUMENTS ✓ (minutes) Desjardins Insurance is reviewing your • Provide a photo ID. application carefully. In this reference • Sign an authorization form. Telephone Someone from Desjardins You’ll need to: 5 to 10 interview Insurance will call you to document you’ll find what’s left to do Resting This is a painless procedure No fasting is required, but you’ll need to: 20 to 30 • List the names and dosages of any ask for more detailed in the approval process. Electro- performed by a health • Avoid using body lotion on the day medication you’re taking. information (medical and cardiogram professional. Leads will of your appointment. • Provide your attending physician’s non-medical) to complete be attached to your chest, • Provide a photo ID. name and address. your file. The interview will 1 | Medical exams and reports arms and legs to record the • Partially disrobe so we recommend be digitally recorded. 2 | Decision electrical impulses generated you wear a button-down shirt by the contraction and or blouse. 3 | Insurance contract delivery relaxation of your heart. • Lie down to get the best results. DURATION ✓ PROCEDURE DESCRIPTION PREPARATION AND DOCUMENTS Medical exams (minutes) Stress This procedure is performed • Wear loose, comfortable clothing. 30 to 35 and reports Electro- at a medical clinic or • Refrain from smoking for at least 1 cardiogram hospital. You’ll need to run one hour before the procedure. In the next few days, a representative from a paramedical company will contact you to schedule an on a treadmill or pedal on • Eat a light meal an hour or two appointment for a paramedical exam, at your convenience and at the location of your choice. This a stationary bike, while before the procedure (no caffeine exam is designed to assess your health and insurability. Desjardins Insurance will cover all costs and wearing leads that record or alcohol). expenses related to these exams or tests. In the table below, we’ve checked off everything that applies the electrical impulses • Take your prescription drugs, to you, based on the insurance amount you’ve applied for and your age: generated by the if applicable. contraction and relaxation • Provide a photo ID. DURATION of your heart. • List the names and dosages of PROCEDURE DESCRIPTION PREPARATION AND DOCUMENTS ✓ (minutes) any medication you’re taking. Paramedical A health professional will You’ll need to: 30 to 45 Inspection A licenced inspector will You’ll need to provide financial 20 to 40 gather information such as • Provide a photo ID. Report conduct a telephone information, including your annual height, weight, blood pressure • List the names and dosages of any interview, that may include income and net worth (assets-debts). and pulse rate. They’ll also go medication you’re taking. questions about your over your personal and family • Provide your attending physician’s occupation, lifestyle, past medical history with you. name and address. financial situation, etc. Urine A health professional will No fasting is required, but you’ll need to: 10 to 15 Motor Vehicle This is a report indicating You’ll need to sign an Access – Report whether you’ve committed Authorization for Motor Vehicle provide you with a sealed • Drink a glass of water about one any Highway Safety Code Report that will be provided kit to collect urine sample. hour before the sample is collected. violations. to you (Quebec only). • Provide a photo ID. • Sign an authorization form. Congratulations! Blood profile A health professional will bring When you book your appointment, 10 to 15 Depending on your past medical history or preliminary results from any of the above tests, we may need a sterile sealed kit to collect you’ll be told whether you need to more information from you. If so, we will call you. You’ve made an important decision blood sample. fast and for how long. DURATION by applying for insurance. Right now, You’ll need to: PROCEDURE DESCRIPTION PREPARATION AND DOCUMENTS ✓ (minutes) Desjardins Insurance is reviewing your • Provide a photo ID. application carefully. In this reference • Sign an authorization form. Telephone Someone from Desjardins You’ll need to: 5 to 10 interview Insurance will call you to document you’ll find what’s left to do Resting This is a painless procedure No fasting is required, but you’ll need to: 20 to 30 • List the names and dosages of any ask for more detailed in the approval process. Electro- performed by a health • Avoid using body lotion on the day medication you’re taking. information (medical and cardiogram professional. Leads will of your appointment. • Provide your attending physician’s non-medical) to complete be attached to your chest, • Provide a photo ID. name and address. your file. The interview will 1 | Medical exams and reports arms and legs to record the • Partially disrobe so we recommend be digitally recorded. 2 | Decision electrical impulses generated you wear a button-down shirt by the contraction and or blouse. 3 | Insurance contract delivery relaxation of your heart. • Lie down to get the best results. 2 Decision Once your insurance application has been processed, Desjardins Insurance will inform your Life and health insurance advisor1 of the decision. Your application may be approved as is, with an exclusion or with an extra premium. We may also decline your application or defer it (i.e., we’ll reassess it later on). If this is the case, don’t worry, your Life and health insurance advisor will inform you of the decision and carefully explain it to you in more details. Together, you can look at other options that may be considered. 1 The Life and health insurance advisor is formally known as a financial security advisor in Quebec and as a Life insurance agent in Ontario. Insurance contract 3 delivery Your Life and health insurance advisor will make an appointment with you to deliver your contract, go over its key provisions and answer any questions you may have. For more information, please contact your Life and health insurance advisor. Tips on how to prepare • Schedule your appointment for a time of day when you’re most relaxed. • Get a good night’s sleep and drink plenty of water before the exam. • Book a morning appointment if you’re required to fast. • Reschedule your appointment if you have a cold or the flu.
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