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Completing an application is easy! Simply start by logging in to Lia then follow these steps to ensure a seamless process:

• Start by logging in to Lia with your Assumption Life username and password.
• From the home page, initiate a new application by clicking on “New Application”.
• Your next step is to obtain a quote and illustration: populate the required fields (marked with a red asterisk) concerning the product and the proposed insured. 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.
• In the final section, “Review & Submit,” ensure your application is ready to submit:
  a.     Click "Check for errors" to verify completion.
  b.     Obtain a copy of the Notice and Signature Authorization.
  c.     Confirm your signature method.
  d.     Review the “Forms and Reminders” section, attaching all required documents.
• Click “SUBMIT APPLICATION” 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. 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.

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

After clicking “SUBMIT APPLICATION” in the “Review & Submit” section, you will be redirected to a page displaying a success message, confirming the successful submission of your application. Additionally, you can see the status of your submitted applications on the "Submitted Applications" dashboard.

Once the application has been submitted this will trigger the e-sign process and send an email to each signer with instructions on signing the document. If you have chosen to sign via paper signature or your preferred e-sign platform, your application has was sent to Assumption Life.

While the application awaits signatures, its status will be displayed as “Signatures Pending” in your "Submitted Applications" dashboard. You will receive an email to sign as well, once your client’s signature has been captured. Once all signatures are received, the application is automatically sent to Assumption Life, and the submitted application dashboard will show a status of “Submitted”. 

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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. Common reasons for submission failure include missing information or network connectivity problems.

You can address submission issues by revisiting the applicable sections of the application, and ensuring all required fields are filled correctly. If the problem persists, our dedicated support team is available to help troubleshoot and ensure the successful submission of your application.

For electronic signature: Yes, if any corrections are necessary after submitting the policy for electronic signature, you can cancel the electronic signature ceremony by selecting the "Withdraw Application" button. This button is located in the "Submitted Applications" dashboard. After making the required revisions, you will need to resubmit the updated application, and 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 paper signature: No, you will need to contact head office to cancel your application or request changes.

Regardless of the method of signature, keep in mind that significant changes may prompt a re-evaluation of the application by our team.

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 “Saved Applications” dashboard 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.

Retrieve a saved application by clicking “Saved Applications” in the left-hand sidebar menu in Lia, then click “Continue” on the application you wish to resume.

Your submitted application remains in Lia for 72 hours following submission. To access a submitted application within this timeframe, click “Saved Applications” in the left-hand sidebar menu. 

If more than 72 hours have passed, please refer to the “Online Products Report” in the quick links section of  Advisor Corner to view your submitted application.

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 “Review and Submit” section of your application, you can choose between a built-in e-signature or a traditional paper copy. 
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Electronic signature: If you opt for the electronic signature, Lia offers an integrated option, OneSpan.  We recommend using the integrated e-sign feature in Lia for a smoother experience. Nevertheless, we do accommodate signatures from alternative e-signature systems, such as DocuSign, SignNow, and Adobe Sign, as long as they adhere to specific compliance requirements. 

If you prefer to use your preferred e-signature system and decide to opt out of using OneSpan, kindly choose the "Paper copy for signature" option you will be able to download the PDF copies and sign them accordingly. Remember to upload the signed document to your application before submission for faster processing. Learn more about alternative e-signature systems.

‍Paper copy: For those who prefer the traditional route with a paper copy, you have the option of using the version automatically generated by Lia, or obtaining a blank copy from the Document Centre on Advisor Corner. Simply scan and upload the signed document to your application before submission for faster processing. 

• Once your application is ready for signatures, go to the “Review and Submit” section. 
  
• Under “List of signers”, enter a unique email address for each signer. 
  
• If you've reviewed the application and you are ready to sign, click “SUBMIT APPLICATION”. This will trigger the e-sign process and send an email to each signer with instructions on signing the document.  
  
• While the application awaits signatures, its status will be displayed as “Signatures Pending” in your submitted applications dashboard. 
  
• You will receive an email to sign as well, once your client’s signature has been captured. 
  
• Once all signatures are received, the application is automatically sent to Assumption Life, and your submitted applications dashboard will show a status of “Submitted”. 
  

• 1. Once your application is ready for signatures, go to the “Review and Submit” section. 
  
• 2. Under “List of Signers”, select the “Paper Copy for signature” option. 
  
• 3. Complete and sign the “Signature, Declaration & Authorization” form.  
  
• If you choose the Lia-generated version, it will include all the necessary information already populated. You can access this version under “Application Review”. 
  
• Alternatively, if you prefer to start with a blank document, visit Advisor Corner to obtain a copy of the form. 
  
• 4. Scan your signed “Signature, Declaration & Authorization” form and upload it to your application, under “Forms and Reminders”. 
  
• 5. If you've reviewed the application and you are ready to sign, click “SUBMIT APPLICATION”. Keep in mind that when you use paper option, you can’t modify an application after it’s submitted. 
  
• 6. The status on your submitted applications dashboard will immediately indicate “Submitted”. If you have not included the “Signature, Declaration & Authorization” form with the application, promptly send it to new.business@assumption.ca to initiate the issuing process without delay.
  

No, there is no limit. 

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.‍

• 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 submitted application remains visible in Lia for 72 hours after submission. To access a submitted application within this period, click on "Submitted Applications" in Lia's left-hand sidebar menu, then in the Documents column, you will be able to download the PDF summary and the representative's report. 

If more than 72 hours have passed since submitting the application, 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. 
  

Before submitting your application: 

• Go to the “Review and Submit” section in Lia. 
  
• 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: 

• 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.