---
title: Life insurance | The right coverage starts with the right questions
description: New life insurance application questions help assess clients’ financial capacity and support suitable, sustainable coverage recommendations.
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---

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### Life insurance | The right coverage starts with the right questions

 September 29, 2026

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Life insurance | The right coverage starts with the right questions

1:45

On October 5, the life insurance application will be updated to include the [Financial Underwriting Guidelines.](https://iaa.secureweb.inalco.com/cw/-/media/documents-repository/individual-insurance-savings-and-retirement/individual-insurance/2026/05/financial-underwriting-guidelines.pdf)This will allow you to confirm that the coverage you recommend is adapted to your client’s financial situation.    

Confirming your client’s ability to pay their premium means setting up the foundation for lasting protection. For your client, this ensures that they can maintain their coverage over the long term, especially when they need it most. For you, it fosters trust and helps you build a stronger, more sustainable portfolio.

 

**What is changing for you**

We will be adding new questions to the life insurance application to give you a more complete picture of your client’s financial situation. 

This will allow you to: 

- better assess their ability to pay their premium
- recommend appropriate insurance coverage
- set realistic expectations from the outset
- reduce the risk of policy lapse shortly after issue

If an application does not comply with the [current financial underwriting guidelines,](https://iaa.secureweb.inalco.com/cw/-/media/documents-repository/individual-insurance-savings-and-retirement/individual-insurance/2026/05/financial-underwriting-guidelines.pdf)additional information or a letter explaining the specific circumstances of the case may be required. 

 

**What about applications already in progress?**

✅Applications already submitted: no impact 

✅Validation step completed in EVO: responses already provided remain valid 

⚠️Validation step not completed in EVO or redone after October 5: you will need to answer the new questions before continuing 

 

**Key takeaway**

Asking the right questions helps you make the right decisions! The result is coverage that is better aligned with your clients’ needs, an enhanced client experience and lasting business relationships. That’s what smarter underwriting is all about!

 

 

 Topic : [Assurance](https://iaconnected.ia.ca/tag/assurance)

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