Guaranteed insurability benefit (GIB): For children under age 10, ignore GIB in determining medical requirements. Requirements for special plans and benefits: All other requirements will be ordered by the advisor or Head Office personnel as indicated in the application. The inspection report, motor vehicle report and tele-interviews will always be ordered by Head Office personnel. A medical and saliva will always be ordered by the advisor.Proposed insureds age 16 or older who have lived in Canada for less than one year will require a paramedical and blood (with hepatitis B and C markers) as a minimum or, if more extensive, the regular requirements in the chart above.Mature age focus interview will be automatically completed by the examiner for all clients over age 75.
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