Underwriting Guidelines

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The Underwriting Advantage at Manulife
Financial

You work hard to prospect and sell new cases. You need an insurance company that works just as hard to underwrite them. We pride ourselves on our progressive, flexible Underwriting Guidelines. Our team of underwriters will help you place your business as easily and promptly as possible, working with you every step of the way.

	Underwriting Guidelines Your reference guide to routine medical requirements, preferred underwriting, and non medical requirements. Click here for quick and easy access to the Build Table.

	Agent and Broker Companion (ABC) -- Your guide to underwriting impairments Use this tool to access the information needed with each case to get the best possible offer in the shortest amount of time. For quick and easy access to specific medical impairments, non-medical risks and smoking definitions, click on the links below. I. Overview Introduction and Glossary of Terms II. Medical Impairments Alzheimer's Disease: Alzheimer's Anemia: Anemia Cancer: Basal Cell Carcinoma, Breast, Leukemia, Lung, Prostate, Skin Borderline Malignancy, Skin Malignant, Pulmonary Nodule Circulatory: Aneurysm, Blood Pressure, Coronary Artery Disease, Hypertension, Stroke, Transient Ischemic Attack Diabetes: Diabetes Gastrointestinal: Barrett's Esophagus, Crohn's Disease, Ulcerative Colitis Heart: Angina Pectoris, Angioplasty, Arteriosclerosis, Atherosclerosis, Atrial Fibrillation/Atrial Flutter, By-pass Surgery, Congenital Heart Disease, Coronary Artery Disease Lungs and Respiratory System: Apnea/Sleep Apnea, Asthma, COPD (Chronic Obstructive Pulmonary Disease), Emphysema, Pulmonary Nodule III. Non-Medical Risks Aviation: Commercial, Military, Private, Sport Climbing: Cliffs, Ice and/or Snow, Mountain, Rock, Trail/Trekking Driving: Driving, Motor Vehicle Racing Scuba: Scuba Diving IV. Smoking Definition Best Class Available: Superpreferred Non-Smoker, Preferred Non-Smoker, Standard Non-Smoker, Preferred Smoker, Standard Smoker

	Competitive Decisions Look to Manulife Financial for competitive underwriting decisions, even for tough-to-place cases. We lead the way in the aggressive evaluation of coronary disease, diabetes, respiratory, even multiple impairments.

	Ease of Doing Business With We understand that your clients want to purchase insurance with a maximum of comfort and convenience. We offer competitive paramedical, EKG and treadmill stress test limits and accept medical examinations completed by the clients’ attending physician for any amount. We offer Tips and Suggestions to prepare for a life insurance medical or paramedical examination.