Do I have to answer any health questions?
If you are applying for HomeProtector® insurance, you must answer all applicable health questions.
You may have to complete a separate health assessment
If you answer 'NO' to all of the applicable application health questions, then your application is accepted and the Insurer does not require any more health information.
If you answer 'YES' to any of the applicable application health questions, you will be subject to a separate health assessment.
What is a health assessment?
A health assessment allows the Insurer, Canada Life, to review your application for insurance in detail. The health assessment may include a telephone interview with a representative of the Insurer. Depending on the outcome, Canada Life may require you to complete a detailed health questionnaire or obtain a medical report from your current attending physician. In certain circumstances it may be necessary to undergo a paramedical examination and a blood/urine test.
How do I know if I've been approved?
If you are required to complete a health assessment, you'll receive written notice of the acceptance or decline of your application for insurance.
If you are a RBC Royal Bank Online Banking client, you'll receive automatic updates on the status of your application and can review these updates within your Online Banking message centre.
You'll have temporary insurance while your application is being processed for a maximum of 30 days.
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