What evidence of insurability means for Sun Life policies
Sun Life requires proof that you are medically fit for the coverage amount you seek; this is called evidence of insurability (EOI). The insurer uses the information to assess risk and set premiums.
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Typical documents Sun Life requests
For most applications you will need to provide:
- Completed EOI questionnaire covering health history, medications, and lifestyle.
- Recent medical records for any diagnosed conditions.
- Results of a required medical exam, including blood work and blood pressure reading.
- Doctor's statement confirming current health status, if asked.
When a medical exam is required
Sun Life generally mandates an exam for:
- Coverage above a certain face‑value threshold (often CAD $250,000).
- Applicants over a specific age, usually 40.
- Applicants with disclosed health issues.
The exam is performed by a third‑party provider; you receive a prepaid kit, schedule a visit, and the results are sent directly to Sun Life.
How to submit the evidence
After completing the questionnaire and any exam, submit the package through the method your agent specified: online portal, secure email, or fax. Keep copies for your records. Sun Life typically acknowledges receipt within 2‑3 business days and may request clarification if any item is missing.
Timeline and approval
Processing time varies, but most straightforward cases are approved within 10‑14 days after receipt of complete EOI. Complex medical histories can extend the review to 30 days or more, during which underwriters may contact your physician for additional information.
Tips to streamline the process
Gather recent lab results and medication lists before starting the application. Answer every questionnaire item truthfully; omissions can delay approval or lead to a denied claim later. If you have a chronic condition, obtain a concise doctor's summary that outlines treatment stability.