General Questions

We want your claims process to be as hassle-free as possible. If you need to file a claim, please call our toll-free Client Customer Service line on 1-855 747 4717. A claims specialist will walk you through the necessary steps.

If you apply for your newborn child within 180 days of their birth, no medical underwriting is required.

Please complete the Request to Add a Child to Your Existing Plan and submit it to our office.


Please complete the Name and/or Address Change Form and submit it to our office.

If you are changing your name, we will issue you a new Insurance Certificate.

“Spouse” means the legal or common-law spouse of a Member. Legal spouse is a person who is legally married to and cohabiting with the Member and with whom there is no formal or informal agreement of separation. Common-law spouse is a person who is cohabiting in a marriage-like relationship with the Member.

Yes, provided your total coverage does not exceed the maximum available. To increase coverage, you will need to complete a new application. 

Decreases in coverage require your written authorization. These can be submitted to us by mail. Include how much coverage you would like to have in total, your full name, your policy number and your iA Reference Number. Please ensure you have signed and dated your request.

Please complete the Pre-Authorized Debit (PAD) Agreement Form  and submit it to our office. Payment method changes will take effect on the next billing date following the date we receive your request.

Please note that non-smoker rates apply to individuals who, at the time of application, have not used tobacco, nicotine, or cannabis mixed with tobacco in any form whatsoever within the last 12 months. If you met this criteria please complete the Request for Non-Smoker Rates Form and submit it to our office.

You have the choice of paying monthly by credit card or pre-authorized debit or annually by cheque or credit card. Payroll deduction is not available.

Premiums are calculated based on your age and applicable rate as of July 1 each year. As the rates are in 5-year age bands, premiums will increase as you reach a higher age band. Please refer to the pricing page to find out your age band and monthly premium.

No. The two products provide complementary, but different benefits and are important in creating a complete umbrella of insurance coverage. While disability benefits cover a much broader range of disabilities, payments are subject to ongoing review of your medical condition. Critical illness insurance pays a lump-sum benefit that is not dependent on your ability or inability to work, or whether or not a full recovery is made.

Life insurance provides your beneficiaries with a lump-sum payment in the event of your death. Critical illness insurance is a living benefit for you. Upon diagnosis* of a covered condition, your critical illness insurance benefit can be used to provide help with any expenses arising from your diagnosis* and/or treatment, or in any way you choose. This keeps you focused on getting well.

* Including signs, symptoms or investigations leading directly or indirectly to a Diagnosis of any cancer (covered or not covered under the Policy), regardless of when the Diagnosis is made. 

Your existing health benefits pay for medical costs, but there are many other expenses associated with a serious illness that are not covered. Critical illness insurance pays a lump-sum, tax-free benefit on top of your other insurance plans to use any way you wish.

Dependent Child Dependent Child Critical Illness Coverage

The member is the beneficiary of the child’s coverage.

Critical Illness Coverage

There is no beneficiary allocation, the insured person will be the recipient of any payable benefit.

Critical Illness Definitions

25 life-changing illnesses

These are the 2013 Critical Illness Benchmark Definitions published by the Canadian Life and Health Insurance Association (CLHIA). If you are insured under a Special Markets Solutions group critical illness insurance plan, please refer to your Insurance Benefits Summary or booklet wording for the definitions currently in force under your group insurance plan.