How does Medical Underwriting work?
Specifically geared toward clients who do not qualify for any of our products, this cutting edge Medical Underwriting process enables CanAm to screen and rate your client by collecting answers to questions related to his/her pre-existing conditions as declared by them in real time. The quote is provided immediately to your client right on the phone.

What is the workflow if I process applications on the broker portal?
If your client fails the eligibility questions for PrimeLink, you will be given the option to pursue Medical Underwriting for your client. By selecting the ‘Send to Medical Underwriting’ option, the client data will be sent to Medical Underwriting. The client must then speak directly to our Medical Underwriter to complete the Medical Underwriting application and can do so directly from your office or at a later time by calling our toll-free phone number.

What is the workflow if I refer my clients to CanAm Insurance?
If you have referred your client to CanAm, our call centre staff will provide them with all possible quoting options. If your client fails the eligibility questions from our available products, they will immediately be transferred to our internal Medical Underwriting department.

What happens once the client is transferred to Medical Underwriting?
All calls sent to Medical Underwriting are prioritized in a queue and will be answered by a licensed insurance broker as soon as possible. The broker will ask a series of questions specifically related to his/her conditions as declared by them. If the client does not have any medical conditions which we have determined to preclude them from purchasing coverage, the underwriter will provide a Medically Underwritten insurance premium. Should your client wish to purchase the policy at the premium provided, the sale will be made and the policy will be issued within 48 hours (or sooner if required). Since all of the calls are recorded, no signature will be required.

Can I view the Medically Underwritten policy wording?
Our Medical Underwriting plan offers competitive coverage for pre-existing conditions and can be found by clicking here and it will be added onto our broker portal under ‘Product Material” as of Monday, December 15th.