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Designed with advisors in mind, the Lia sales platform streamlines your workflow, enabling you to effortlessly quote and submit life insurance applications through one ease-to-use platform.

No installation is required! You can now access the Lia sales platform directly through your web browser at liaweb.assumption.ca.

Just ensure your browser is up to date.

Yes. Lia is a web-based platform and requires an internet connection.

While Lia relies on an Internet connection, here are available options for handling situations where Internet access is unavailable:

• Mobile Hotspot: Utilize a secondary device, such as a smartphone, with an internet connection to create a personal hotspot. This enables your laptop or tablet to connect to the internet through your phone's network. Prior to using this option, ensure your mobile plan includes sufficient data to avoid additional charges. 
• Data Collection Form: Employ a paper copy of our data collection form as a worksheet, recording information offline. Once an internet connection is reestablished, transfer the gathered data to Lia. 
• Signature Form: For client signatures, if using a paper copy of the signature form, it's crucial to select the "paper copy" option in Lia when transcribing the application. Obtain client signatures on the paper form, scan it, and upload it to Lia before submitting the application.

Lia works seamlessly on popular browsers like Google Chrome (recommended), Microsoft Edge, Safari, and Firefox. Just make sure your browser is up to date.

Need help updating your browser? Follow these instructions:

Google Chrome:

• Open Chrome. Click on the three dots at the top-right corner (Menu)
• Hover over "Help" in the menu.
• Click on "About Google Chrome".
• Chrome will automatically check for updates and install them if available.
• If an update is found, you'll see an option to "Relaunch" to apply the update.
  

Microsoft Edge:

• Open Edge. Click on the three dots in the top-right corner (Menu).
• Scroll down and click on "Settings".
• In the sidebar, click on "About Microsoft Edge".
• Edge will automatically check for updates and install them if available. If an update is found, you'll see an option to "Restart" to apply the update.

Mozilla Firefox:

• Open Firefox. Click on the three horizontal lines in the top-right corner (Menu).
• Click on "Help".
• Click on "About Firefox".
• Firefox will automatically check for updates. If an update is available, it will start downloading and prompt you to install it. You may need to restart Firefox to apply the update.

Apple Safari:
On macOS

• Open the App Store.
• Click on "Updates" in the toolbar.
• If a Safari update is available, it will appear in the list. Click on "Update" next to Safari to install the update.

On iOS/iPadOS

• Open the App Store.
• Tap on your profile icon at the top-right corner.
• Scroll down to see available updates. If Safari update is available, tap on "Update" next to Safari to install it.

‍Yes. Lia is compatible with both Mac and PC.

Yes. Lia is built with a responsive web design. This means that the layout and content of the website will adjust automatically based on the size and orientation of your device, for enhanced usability, we recommend using either an iPad or a Samsung Galaxy tablet.

Yes, Lia supports cross-device continuity. Since Lia is web-based, your application progress is synchronized across devices, ensuring that you don’t lose any entered information during the transition. 

Enter your Assumption Life username and password into the log in window. If you encounter any issues or have forgotten your login information, Lia provides support recovery options to assist you in gaining access to your account.

To change your existing Lia password, you can follow these step-by-step instructions:

• Visit the Advisor Corner website and log in to your account using your existing username and password.
• Go to the quick links section and click “Pick One...” on the drop-down menu
• Locate the “Update your Password” option in the drop-down menu.
• Enter your current password, and then follow the on-screen instructions to set your new password. 

In the top right corner of the header, select English or Français to change the language. Your Internet browser will automatically remember your selected language for future visits.
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It’s important to note that the language in which you submit applications will determine the language of the application documentation and the policy. If you submit an application while working in English, the client documents will automatically be in English, and vice versa.

Yes, Assumption Life's complete suite of products and riders are available on Lia.

Yes, Lia supports commission sharing. To specify compensation details and commission splits, navigate to the “Representatives Report” section of the application. The individual with whom the commission is being shared must be also contracted with Assumption Life. For commission sharing setup, the agent will need to provide the Assumption Life username of the intended recipient.

Completing an application is easy! Follow these steps to ensure a seamless process:

• Log in to Lia with your Assumption Life username and password.
• From the home page, initiate a new application by clicking on New Application or on Simplified Selection Tool.
• Your next step is to obtain a quote and illustration. Fill in the required fields, indicated by a red asterisk, as well as the product and riders desired. The premium information will automatically display in the Premium Summary section on the right of the screen.
• Once your quote is completed and you’re ready to proceed to the application, click Continue to application.
• Fill all sections of the application.
• Confirm and setup the signing method in the Signer Setup section.
• In the final section, Review & Submit, ensure your application is ready to submit:
  • Click Check for errors to verify completion.
  • Obtain a copy of the Notice and Signature Authorization.
  • Review the Forms and Reminders section, attaching all required documents.
  
• Click Sign Now or SUBMIT APPLICATION, depending on the signing method selected, to trigger the final step: the signing process.
  
• Once all signatures are captured, the application is automatically sent to our new business team for processing.

These steps will guide you effectively through the application process. For additional guidance, consult our video tutorial on this process: Completing an application.

Should you have any questions or encounter any issues along the way, our dedicated support team is readily available to provide assistance.

After completing your quote, access your detailed illustration by clicking on Illustration in the top right corner of the screen. This action opens the illustration in your browser window. To download the illustration as a PDF, click on Download in the top right corner of the header. A new window will display the illustration in PDF format, and you can save it by clicking the download or save button in your browser.

To return to your Lia quote screen, navigate to the appropriate tab in your browser and select Return to Illustration in the top left corner of the header.

Saved illustrations are also available on your Lia dashboard. Simply locate the correct application, click on the three-dot menu on the right, then on Documents.

Please note that the exact steps may slightly vary based on the browser, operating system, and system settings you are using.

To find downloaded PDFs on your device, the process can vary depending on the operating system you are using. Here are general guidelines for common platforms:

Desktop Computer

• Windows: By default, files are usually saved in the "Downloads" folder. You can access this folder by opening File Explorer and selecting "Downloads" on the left sidebar panel on your device.
• ‍Mac: he default location is the "Downloads" folder. You can find it in the Finder, in located in the Dock (bottom bar), or by clicking on "Go" in the menu bar and then "Downloads".

Android Tablets

• Default Location: Typically, downloaded files, including PDFs, are saved in the "Downloads" folder. You can access this folder using a file management app like "Files" or "My Files".

iOS Tablets (iPad):

• Files App: On iPads, downloaded files are generally saved to the "Files" app, specifically in the "Downloads" folder. You can access this app from the home screen or the dock.
• Safari Downloads: If you used Safari to download the PDF, it would be in the download manager of Safari, which can be accessed by tapping the download icon in the top right of the browser. From there, you can also see the location where the file was saved

• If you select “Sign Remotely”: After clicking Sign Now in the Review & Submit section, a success message will confirm that the signature process was successfully initiated. You also can monitor the application status in your Lia dashboard, located in the left-hand side menu – it will first display Pending Signatures, then Submitted once all signatures are received. Processing will begin as soon as Assumption Life has received all signatures.
• If you select “Sign on This Device (In-Person)”: After clicking Sign Now in the Review & Submit section, the signing ceremony will open directly on your device. Each signer’s status will initially display as Not started and will automatically update to Done once their signature has been completed. After all signatures are obtained, the application is automatically submitted to Assumption Life for processing, and its status in your Lia dashboard will display as Submitted.
  
• If you select “Print & Sign”: After clicking SUBMIT APPLICATION in the Review & Submit section, a success message will confirm that the application was successfully submitted. You can also consult its status in your Lia dashboard, located in the left-hand side menu – it will display as Submitted. Processing will begin as soon as Assumption Life has received all signatures.
  

In the rare instance that your application encounters any submission issues after clicking SUBMIT APPLICATION, you will be redirected to a page with a failure message. If this happens, please review the error message for guidance on the specific issue. Depending on the error message, you'll be able to take the necessary steps and try submitting the application again.

If the problem persists, our dedicated support team is available to help troubleshoot and ensure the successful submission of your application.

For remote electronic signatures: Yes. If any corrections are necessary after initiating the signing process, you can cancel the electronic signature process by following these steps:

• Locate the application in your Lia dashboard.
• Click the Edit button, then open the Signers tab, and click Withdraw.
  
• Click Continue to reopen the application.
  
• Make the required revisions, then resubmit the application. A new signature request will be sent to all signers.
  

Note: This option remains available as long as you haven't completed the signature process.

‍‍For additional guidance on your dashboard, consult our video tutorial: Navigating your Lia dashboard.

‍For in-person electronic signatures: No. Since the application is automatically submitted as soon as the signatures have been collected, you will need to contact head office to cancel your application or request changes.

‍For paper signatures: No, you will need to contact head office to cancel your application or request changes.

How your progress is saved depends on the section you’re working in:
‍In the quote screen: While you’re still in the quote screen, you can manually save your progress by clicking “Save” at the top right of the screen.

‍In the application: Once you reach the application stage however, your progress is automatically saved and stored in your applications dashboard, located in the left-hand sidebar menu in Lia. This allows you to resume and complete it at a later date without losing any information.

Your saved application will remain in the dashboard until it’s either submitted or manually deleted. Once submitted, it remains on the dashboard for 72 hours.

Retrieve a saved application by accessing your applications dashboard in the left-hand sidebar menu in Lia, then clicking “Continue” on the application you wish to resume.

Your applications remain available in Lia following submission. To access one, start by locating it on your dashboard. Then, click on the three-dot menu on the right and select Documents from the drop-down menu. From there, select the document you wish to consult, then print or save it to your device.

Your Summary PDF and Representative’s report is also available on Advisor Corner. To consult them, follow these steps:

• Go to Advisor Corner and log in using your Assumption Life username and password.
• Once you’re logged in, you’ll be able to see your quick links and reports section.
  
• Click on Pick one... to open the drop-down menu.
  
• Click on Online Products Report in the drop-down menu.
  
• Navigate to the top left corner and click on Reports to access a small drop-down menu. From there, select Submitted.
  
• Modify the date range as required and proceed by clicking Submit. Once the report is generated, you’ll will find a list of applications submitted within the specified date range.
  
• Locate your policy summaries and representative’s reports in the Policy column, then simply click on the document you wish to open.
  

‍For additional guidance on your dashboard, consult our video tutorial: Navigating your Lia dashboard.

The application is automatically submitted in the language selected at the time of submission. For instance, if the system is set to English before you click “Submit”, then the application is sent in English. 

It's essential to note that all accompanying documentation, including the policy contract, is issued in the same language as the application.

Lia offers flexibility in signature options to cater to your convenience. In the Signer Setup section of your application, you can choose between different electronic signature options and a traditional paper copy. ‍

Sign Remotely: This allows the client to choose whether to receive their signing invitation by email or SMS, then be directed to a secure browser session to review and sign the documents electronically through OneSpan.‍

Sign on This Device (In-Person): This lets the client sign electronically during an in-person meeting, directly on your device – no paper required.
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Both built-in options are recommended for faster processing: the application is considered complete as soon as it is sent, with no additional steps required.

‍Print & Sign: This option is available for those who prefer a traditional wet signature or wish to use their own electronic signature platform, such as DocuSign, SignNow, or Adobe Sign. Simply download the generated PDF in the Signer Setup section, sign it through your preferred method, and return the completed document to Assumption Life.

• Once your application is ready for signatures, go to the Signer Setup section.
  
• Under Signature Mode, select Sign Remotely.
  
• For each signer, select either Text (SMS) or Email, indicate the province of signature, and answer a security question.
  
• Depending on the selected method, provide each signer’s email address or mobile number. If this information is already displayed, confirm its accuracy and update it if needed.
  
• Proceed to the Review & Submit section to review and finalize the application. Once you’re ready, click Sign Now to initiate the signing process.
  
• Each signer will receive an invitation to sign by email or SMS, accordingly.
  
• While the application awaits signatures, its status will be displayed as Signatures Pending in your Lia dashboard.
  
• You will receive an email to sign as well, once your client’s signature has been captured. Please note that only email signing is available for advisors.
  
• Once all signatures are received, the application is automatically submitted to Assumption Life, and processing can begin. The application status will be updated to Submitted in your Lia dashboard.
  

For additional guidance, consult our video tutorials on this process: Remote electronic signatures and Remote electronic signatures for clients.

• Once your application is ready for signatures, go to the Signer Setup section.
  
• Under Signature Mode, select Print & Sign.
  
• Complete and sign the Notice and Signature Authorization form.
  • We recommend using the version automatically generated by Lia, as all the necessary information will be pre-populated – you can download it directly from the Signer Setup section, under Signature Process.
  • If you prefer to complete the form manually, a blank copy is available from the Document Centre on Advisor Corner.
  
• Scan your signed Notice and Signature Authorization form, then upload it to your application in the Review & Submit section, under Forms and Reminders.
  
• When you’re ready, click SUBMIT APPLICATION. Its status will immediately indicate Submitted in your Lia dashboard. Remember – it’s important to review the application before submitting, as it can’t be modified afterward.
  
• If you didn’t include the Notice and Signature Authorization form with the application, promptly send it to new.business@assumption.ca to avoid any delays – processing will begin only once all signatures are received.
  

Yes. All signers must agree on one of the three available signing methods: Sign Remotely, Sign on This Device (In-Person), or Print & Sign. If Sign Remotely is selected, each signer can individually choose to receive their signing invitation by email or SMS.

No, there is no limit. 

If you need to resend an invitation to sign, start by locating the application in your Lia dashboard. Click on the hamburger menu on the right, then open the Signers tab.

Confirm the signer’s contact information. If it’s correct, simply click Resend to send a new invitation to sign.

If any corrections are required, withdraw the application, make the necessary updates, then resubmit it.‍

‍For additional guidance on your dashboard, consult our video tutorial: Navigating your Lia dashboard.

If an e-sign request is accidentally sent to the wrong email address or SMS number, the application information remains secure. A security question must be answered before any signer can access or sign the documents, helping protect the information from unauthorized access.

Follow these steps to correct the email address or SMS number:

• Start by locating the application in your Lia dashboard.
  
• Click Edit, open the Signers tab, then click Withdraw.
  
• Click Continue to reopen the application.
  
• After making the necessary changes, resubmit the application – this will generate a new signing request for all signers.
  

‍For additional guidance on your dashboard, consult our video tutorial: Navigating your Lia dashboard.

After three incorrect attempts, the signer will be locked out of the e-sign process.

To unlock them, locate the application in your Lia dashboard and click on the hamburger menu on the right, open the Signers tab, then click to unlock. The application’s status will update to Pending Signatures, and the signer can then reopen their original invitation to resume the signing process. If the signer has misplaced their signing invitation, you can send a new one directly in the Signers tab.

Even if one signer is locked out, all other signers can still complete their signatures without interruption.‍

‍For additional guidance on your dashboard, consult our video tutorial: Navigating your Lia dashboard.

Once the application and signatures are received, it goes through a series of steps in the underwriting process.  Here is a detailed breakdown of what happens:    

‍Step 1: Initial Review  
Assumption Life conducts an initial check for accuracy and completeness. If further details or clarification are needed, we'll promptly contact you via email. You can track its status via the "New Application Status" section in the Advisor Corner. 

‍Note: Processing only starts once all required signatures have been received. Until then, your application is on hold.  Estimated Timeframe: Up to 24 hours, unless Assumption Life requires more information.    


‍Step 2: Medical Underwriting  
As part of the application process, your client may be asked to undergo medical testing. This process is managed by Dynacare and ExamOne on behalf of Assumption Life, who will contact your client directly to schedule any required appointments.   
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‍Estimated Timeframe: Variable. A health professional will contact your client at the number within 5 business days of the request to schedule a meeting at their convenience. Once testing is completed, Assumption Life receives the results within 5 business days.   

In cases where additional information is needed, Assumption Life temporarily halts the processing of the application until all required details are gathered. Please be aware that this may lead to varying delays.    

‍Estimated Timeframe: Variable. The application is on hold until all the required information is received from the advisor.    


‍Step 3: Application Review and Approval  
Assumption Life carefully reviews the entire application, including any additional information obtained through the medical underwriting process. Based on this comprehensive assessment, Assumption Life is able to reach a decision regarding the application and contacts you by email to convey the outcome.   

‍Estimated Timeframe: Up to 72 hours.    


‍Step 4: Policy Activation and Payment  
Upon approval of the application (or on your client’s chosen issue date, if different) Assumption Life activates the policy and processes the first premium payment. The transaction is labelled as “Preauthorized Debit Assomption Vie” on your client’s bank statement.   

In some cases, applications are approved with modifications. When this happens, Assumption Life postpones activating the policy until your client has signed a modification form.    

However, for most cases, at this point, your client is officially protected – congratulations!    

‍Estimated Timeframe: Up to 72 hours.    


‍Step 5: Policy Delivery  
Assumption Life provides you with the policy, either electronically or by mail, depending on your MGA’s chosen method of delivery.   

‍Estimated Timeframe: Up to 24 hours for electronic copies. Hard copies are mailed to your MGA twice per week, on Tuesdays and Thursdays.‍

You can track the signing status of applications sent through Sign Remotely directly in your Lia dashboard.

Locate the application and click on the hamburger menu on the right, then open the Signers tab to view each signer’s status. Possible statuses are: Pending Signature, Viewed, Signed, Expired, Cancelled, and Locked.

If a signer needs a little nudge or has misplaced their signing invitation, a resend option is available directly in the Signers tab.‍

‍For additional guidance on your dashboard, consult our video tutorial: Navigating your Lia dashboard.

• Go to Advisor Corner and log in using your Assumption Life username and password. 
  
• Once you’re logged in, you’ll be able to see your “quick links and reports” section. 
  
• Click on “Pick one...” to open the drop-down menu. 
  
• Click on “New Application Status” in the drop-down menu. Once the report is generated, you will find a summary of your recently submitted applications.  
  
• Click on the proposed insured’s name to open the detailed report.  
  
• Within this report, you will find information such as the current application status, the decision outcome, any amendments, the policy issue date, the notes on file, and more. 
  

Your applications remain available in Lia following submission. To access one, start by locating it on your dashboard. Then, click on the three-dot menu on the right and select Documents from the drop-down menu. From there, select the document you wish to consult, then print or save it to your device.

Your Summary PDF and Representative’s report is also available on Advisor Corner. To consult them, follow these steps:

• Go to Advisor Corner and log in using your Assumption Life username and password.  
  
• Once you’re logged in, you’ll be able to see your quick links and reports section.
  
• Click on Pick one... to open the drop-down menu.
  
• Click on Online Products Report in the drop-down menu.  
  
• Navigate to the top left corner and click on Reports to access a small drop-down menu. From there, select Submitted.
  
• Modify the date range as required and proceed by clicking Submit. Once the report is generated, you’ll will find a list of applications submitted within the specified date range.
  
• Locate your policy summaries and representative’s reports in the Policy column, then simply click on the document you wish to open.
  

‍For additional guidance on your dashboard, consult our video tutorial: Navigating your Lia dashboard.

In Lia, before submitting your application:

• While in the application, go to the Review and Submit section.
  
• Under Application Review, click either Summary PDF or Representative’s Report to generate the desired document.
  
• From there, simply download the documents to your device.
  

After your application has been submitted:
In Lia:

• Locate the correct application on your Lia dashboard.
  
• Click on the three-dot menu on the right, then select Documents from the drop-down menu.
  
• Select the document you wish to consult, then print or save it to your device.
  

On Advisor Corner:

• Go to Advisor Corner and log in using your Assumption Life username and password.
  
• Once you’re logged in, you’ll be able to see your quick links and reports section.
  
• Click on Pick one... to open the drop-down menu.
  
• Click on Online Products Report in the drop-down menu.
  
• Navigate to the top left corner and click on Reports to access a small drop-down menu. From there, select Submitted.
  
• Modify the date range as required and proceed by clicking Submit. Once the report is generated, you’ll will find a list of applications submitted within the specified date range.
  
• Locate your policy summaries and representative’s reports in the Policy column. Simply click on the document you wish to open.
  

• Go to Advisor Corner and log in using your Assumption Life username and password. 
  
• Once you’re logged in, you’ll be able to see your “quick links and reports” section. 
  
• Click on “Pick one...” to open the drop-down menu. 
  
• Click on “Online Products Report” in the drop-down menu.  
  
• Once the report is generated, you will find an overview of your cumulative sales. From there, you have the ability to sort the data by line of business, and by week. 
  

• Go to Advisor Corner and log in using your Assumption Life username and password. 
  
• Once you’re logged in, you’ll be able to see your “quick links and reports” section. 
  
• Click on “Pick one...” to open the drop-down menu. 
  
• Click on “Compensation – Sales Force” in the drop-down menu. Once the report is generated, you will find a list of your commission statements, each corresponding to a specific pay period. 
  
• Click on the document you wish to view to access the detailed report.  
  
• Within this report, you will find details such as the included sales, commission amounts, and any earned bonuses.