McIver Insurance

Have you ever wondered how life insurance works? Why do premiums and coverage vary, and how is this determined, or by whom? To get answers, you have come to the right place.

I have compiled a step-by-step guide to walk you through exactly how insurance underwriting works, the factors that are involved, and how modern technology is changing the industry.

The most important aspect of insurance is underwriting, as that determines the product you're eligible for.

How Life Insurance Underwriting Works in Canada: Step-by-Step - McIver Insurance Have you ever wondered how life insurance works? Why do premiums and coverage vary, and how is this determined, or by whom? To get answers, you have come to the right place.  We have compiled a step-by-step guide to walk you through exactly how insurance underwriting works, the factors that are inv...

New Blog - one of the most common reports ordered by insurance companies during the underwriting process is the doctor's report.

https://mciverinsurance.com/attending-physician-statements-what-they-are-and-why-they-matter/

Luke bought Life and Critical illness insurance from me a few years back, little did we know that in a short period of time his health changed unexpectedly with stage 2 skin cancer. Thankfully, he is healthy and moving past this. He was able to partially claim his critical illness coverage up to 25% of the face value to help pay for any treatments or lost time at work and keep full coverage for the future. When things like this happen, it makes me realize even more the importance of insurance coverages and making people aware of them. Luke was happy with Manulife and I and it was a rewarding feeling for me doing my job correctly, but it was his decision to purchase that policy, I just present the information and make recommendations. Thankyou Luke for always being a great supporter of mine and sharing your story.