Life Applications from Foreign Nationals

Summary of Wawanesa Life RulesThe following rules apply to life insurance applications – Critical Illness will not be offered until the applicant has landed immigrant status. Temporary Insurance Coverage is not available.

Nannies/Care Givers/Skilled Workers (with work permit):We will consider this category of workers for standard coverage only with maximum $250,000 life (term or permanent) based on the following:

• Immediate family members will be considered on individual basis.

• Applicant is responsible for obtaining and providing full documented medical history prior to entering Canada when the history is significant.

• If there is limited ability to speak English, the coverage must be applied for on the basis of a quick application, with teleinterview, vitals and blood with hepatitis screen.

• A paramedical and blood profile (including hepatitis screen) are required if resident in Canada for less than 12 months.

• Applicant has immigrated to Canada from a country that is listed in the RGA manual as a Class A, B or C. Applicants from a Class D category country* will not be accepted until they have landed immigrant status.

• Applicant must be fully employed.

• Applicant has a work permit (copy must be submitted with the application).

• Applicant must have been in Canada for at least 3 months and have a social insurance number.

• There is no third party ownership.

Professionals (specialized degree, e.g. doctors, engineers)We will consider this category of workers for standard coverage only with maximum $1,000,000 life (term or permanent) based on the following:

• Same rules as for nannies/caregivers/skilled workers.

RefugeesWe will consider this category on an individual basis after the applicant has been in Canada for 24 months.

Declined categories:• Diplomats• Seasonal workers

* Class D Category Countries:• Afghanistan• Angola• Antarctica• Benin• Burkina Faso• Burma/Myanmar• Burundi• Cambodia• Cameroon• Central African Republic• Chad• Comoros• Congo• Congo, Democratic

Republic of• Cuba• Djibouti• East Timor • Equatorial Guinea• Eritrea• Ethiopia

• Gabon• Gambia• Gaza• Ghana• Guinea• Guinea Bissau• Haiti• Iran• Iraq• Ivory Coast/Cote d'Ivoire• Kenya • Korea, N.• Lesotho• Liberia• Madagascar• Malawi• Mali• Mauritania• Mozambique• Niger• Nigeria

• Papua New Guinea• Rwanda• Sao Tome & Principe• Senegal• Sierra Leone• Somalia• Sudan• Swaziland• Tanzania • Togo• Uganda• Western Sahara• Yemen • Zaire• Zambia• Zimbabwe

Please Note: This list is subject to frequent changes and should not be fully relied upon.

01/2011

For more information contact your local Wawanesa Life branch today:Southern AlbertaBarbara Reid Galarnyk Phone: (403) 536-9250 Regional Life Manager Cell Phone: (403) 481-7344600-708 11th Avenue SW Toll Free: (800) 372-9212Calgary, AB T2R 0E4 Fax: (877)-246-2922Email: bgalarnyk@wawanesa.com www.wawanesalife.com