Changing an existing policy

Change type	Evidence required	Form required¹	Details
Monthly amount
Increase (minimum $400)	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	Made at attained age
Decrease	None	Request for Change Without Evidence – 09219EF	Made at age when policy is produced
Waiting period
Increase	None	Request for Change Without Evidence – 09219EF	Made at age when policy is produced
Decrease	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	Made at attained age
Benefit period
Increase	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	Made at attained age
Decrease	None	Request for Change Without Evidence – 09219EF	Made at age when policy is produced
Premium structure
T10 to T65	None	Request for Change Without Evidence – 09219EF	Made at attained age
T65 to T10	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	Made at attained age
Additional coverages
Addition	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	The future insurability option cannot be added after the policy is purchased Made at attained age At policy anniversary
Removal	None	Request for Change Without Evidence – 09219EF	Made at the next policy anniversary date
Exercise of future insurability option²	Financial	Request for Change Without Evidence – 09219EF	Must be requested 60 days prior to the policy anniversary date Made at attained age
Other changes
Occupation class upgrade	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	During first 5 years of policy: Made at age when policy is produced After 5 years: Made at attained age
Occupation class upgrade after occupation change³	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	Made at age when policy is produced
Change from regular/smoker to preferred/non-smoker	Insurability and financial	Insurance Application – Life, Health and Disability – 07002E	Made at age when policy is produced
Exchange privilege: SOLO Loan Insurance to SOLO Disability Income	None	Request for Change Without Evidence – 09219EF	Made at age when policy is produced during first 7 years only At policy anniversary Must be requested 60 days before policy anniversary date

¹ The illustration must always be provided.

² The illustration software can show a premium for a minimum monthly amount of $400. For a lower amount, write to Expertise_Portefeuille_Backbook@dsf.ca and indicate:
- The policy number
- The requested monthly insurance amount

² The illustration software can show a premium for a minimum monthly amount of $400.

³ The occupation class is guaranteed, which means that if the insured person changes occupations after purchasing the policy and there's an increase in professional risk at their new occupation, the premium is calculated based on the occupation class initially determined.