E-App Frequently Asked Questions

Contact your Supervisor or MGA to get the login details for your organization. They will supply you with the web address, password and your unique Agent ID. If you are having difficulty getting access, contact dwood@orange.ca.

Contact your Supervisor or MGA to get the login details for your organization. They will supply you with the web address, password and your unique Agent ID.  We recommend that you bookmark the page for fast access as it is not a page that is part of our menu system.

If you are having difficulty getting access, contact dwood@orange.ca.

The e-app should be usable on any computer, tablet or smart phone. It uses a standard web browser (e.g. Chrome, Safari, Firefox).

The only limitation should be the size of the device. Some might be harder to work on the smaller they are. 

Make sure you try out the application on the device you plan to use prior to meeting with the client to ensure that it will work for your purposes.

If you are having difficulty getting access, contact dwood@orange.ca.

No. Please do not send the e-app link to your client. 

The application is designed so that the Advisor asks the questions of the client and supplies the answers to the application. Once the application is submitted, a copy of the completed application will be sent to the client’s email address for the client to review their answers and sign the application using “click to sign”.

Once all parties have signed the application, each party will be emailed a link to be able to download the completed and signed application.

Sure. Just make sure you make it extremely obvious that it’s a test application. We recommend using a name like “Mr. Sample Application” or “Ms. Test App” as the name of the insured.

For best results when testing, we recommend that you use unique email addresses for the insured, the owner (if different from the insure) and the agent. This way, you get to experience what the client experiences when signing the application as well as the Advisor’s experience.

Once all parties have signed the application, each party will be emailed a link to be able to download the completed and signed application.

Sorry. The current e-app is not designed to be used that way.

However, there are some work arounds for that. 

Technically, the application is still able to be changed until you close the browser window. So, as long as you leave that tab open, you should be able to come back and make your changes before you submit the completed application.  We have successfully left tabs open overnight and continued with them the next day with no issues.

Once the application has been submitted, the contents cannot be altered. If you know immediately that a mistake was made, you may be able to use the back button to access the app again, fix what you need to fix and re-submit. This would then create 2 different applications. You will need to be careful to make sure your client signs the correct one.  Note however, that this is not a method that we recommend or officially support as a reliable way to use the e-app.  

Generally, once the application has been submitted, the only thing we can do change is re-directing the emailed signature request if the wrong email address was entered. 

If you discover a mistake on the application, email us at newbiz@orange.ca to alert us to the mistake and we will give you instructions on how to proceed.

If you need to go to a previous page or get back to where you left off, please use the “Previous” and “Next” buttons at the bottom of the application rather than your browser’s “Back” and “Forward” buttons.

If you use the browser’s “Back” button, it will take you out of the e-app altogether. If you have done so, try pressing the “Forward” button and it should take you back into the e-app without losing your progress.

The client should have their own email address and be familiar with using email, clicking email links and a general awareness of using a computer.

Yes. Our current product offerings vary in their issue ages. 

However, the minimum age we can issue is age 1 and the maximum age we can issue is age 80 depending on the product. Here are the current issue ages:

• Enhanced Whole Life: 20 – 80
• 20-Pay Life: 1 – 80
• Guaranteed Issue: 30 – 75
• Term 10: 20 – 60
• Term 70: 20 – 60
• Children’s Legacy Plan: 6 months – 15

The application will automatically restrict which products you can select based on the age and eligibility of the client. 

Here is a link to a Product Quick Reference Guide.

The client should have their own email address and be familiar with using email, clicking email links and a general awareness of using a computer.

They should also have:

•  Valid photo ID issued by a Canadian Government agency (Driver’s license, Provincial Photo ID card, Canadian Passport, Permanent resident’s card, Work Visa, Super Visa). Please do not use any Provincial Health card. We are not allowed to collect that information.
• A void cheque or PAD form from the bank that they intend to draw the premium from. Ideally, you should get a copy of this for confirmation purposes. A high percentage of problems with delayed applications is due to Advisors copying or providing incorrect banking information.
• Ideally, immediate access to the email address they intend to use so that they can sign the application while you are interacting with them. This helps to address any problems quickly.

Clicking “Insured and Policy Owner are different” means that you intend to have a policy Owner who is someone other than the insured person. This will mean that an extra page will appear in the application so that you can fill in the Owner’s details.

Clicking on “Insured and Owner are the same” means that the Insured person will be the Owner of the policy. It also means that there is no need to fill in a separate page with details of the policy Owner.

Answering “yes” to any of the General Health questions (a, b, or c) means that we cannot offer coverage to this client.

Valid photo ID issued by a Canadian Government agency:

• Driver’s license
• Provincial Photo ID card
• Canadian Passport
• Permanent resident’s card
• Work Visa
• Super Visa
• Government Employee Photo ID

Please do not use any Provincial Health card. We are not allowed to collect that information. We will have to destroy the application if this is used.

There are 4 options to the citizenship status question:

• Canadian Citizen
• Permanent Resident
• Work Visa (<$30,000)
• Super Visa (<$30,000)

Canadian Citizens and Permanent Residents are free to apply for the maximum benefit amount that we offer.

Clients in Canada on either a Work Permit or a Super Visa are restricted to $30,000 as the maximum amount of coverage they can apply for through OBF. 

No. The Social Insurance Number (SIN) is not required.

The reason we ask is that it helps identify the Insured at the time of claim. If there are any name changes, or mistakes in the legal name of the Insured, the SIN on the death certificate helps to clarify the identity of the Insured. This speeds up processing the claim.

If the insured is under 18, the insured child cannot sign their application. Therefore, the email for the insured should be that of the Policy Owner or of the legal Guardian of the insured.

If the email is the same as the Policy Owner, the Policy Owner will get two emails requesting signature; one on behalf of the Insured and one for the Owner. The signature links in both emails will need to be clicked and signed in order for the application to be completed.

If you have multiple Beneficiaries or multiple Contingent Beneficiaries, please ensure that the total “% share” adds up to 100%. The app will alert you if you have not done so and give you an opportunity to fix it. 

If you have multiple Beneficiaries or multiple Contingent Beneficiaries, please ensure that the total “% share” adds up to 100%. The app will alert you if you have not done so and give you an opportunity to fix it. 

Valid photo ID issued by a Government agency:

• Driver’s license
• Provincial Photo ID card
• Passport
• Permanent resident’s card
• Work Visa
• Super Visa
• Government Employee Photo ID

Please do not use any Provincial Health card. We are not allowed to collect that information. We will have to destroy the application if this is used.

No. The Social Insurance Number (SIN) is not required.

The reason we ask is that it helps identify the Owner in the event that the policy needs to be transferred to a new Owner. This usually occurs after the death of the Policy Owner. If there are any name changes, or mistakes in the legal name of the Insured, the SIN on the death certificate helps to clarify the identity of the Policy Owner.

If the client does not want to provide a SIN, they may wish to provide a Contingent Owner on the policy. 

No. Cigarellos do not fall under the Cigar exclusion. Clients who smoke Cigarellos should be considered smokers.

No. We are only concerned with Marijuana that is inhaled in this question.

At this time, we do not consider vaping that does not include nicotine or marijuana products as “smoking” for the purposes of determining smoker rates.

You may wish to disclose the vaping anyway in the notes section to ensure there are no issues later.

Sometimes clients do not equate having COPD with having “Chronic respiratory illness”. However, if your client has been diagnosed with COPD (Chronic Obstructive Pulmonary Disorder), they need to answer “yes” to medical  question 2 on the application. 

This applies whether or not they require the use of oxygen.

The simple solution is to select Guaranteed Issue as the product. However, if you would like to apply for an exception, you can email us with the following information and our underwriters will adjudicate the case in a timely manner for you.

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues

When was the client diagnosed with epilepsy?

How Frequent and severity are the seizures?

When was the client was last hospitalized from seizures or as the result of seizures?

Detail the ongoing treatment for the epilepsy

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application.

Click here and email us with the details.

To ensure that your client will be covered please include the following in your email inquiry and in the notes section on the application.

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues

When was the client diagnosed with depression?

How frequent and how severe are the episodes? (mild, medium, severe)

Is there any history of self-harming (including attempted suicide, eating disorder, etc)?

When the client was last hospitalized for depression or as the result of depression?

Detail the ongoing treatment for the depression

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application

Click here and email us with the details.

To ensure that your client will be covered please include the following in your email inquiry and in the notes section on the application.

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues

How long has the client has suffered with Bipolar disorder or Schizophrenia?

How frequent and how severe are episodes?(mild, medium, severe)

Is there any history of self-harming?

When client was last hospitalized for Bipolar disorder or Schizophrenia or as the result of disorder (directly or indirectly) and how often does this occur?

Detail the ongoing treatment for the Bipolar disorder or Schizophrenia. How consistently the treatment is adhered to?

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application

Click here and email us with the details.

Name of client (for tracking purposes)

Age

Amount of coverage seeking

Product(s)

Other medical issues/co-morbidities

When was the client diagnosed with the disorder/disease/illness?

What is the frequency and severity of symptoms or flare-ups?

When was the client was last hospitalized as the result of the illness (directly or indirectly) and how often does this occur?

Detail the ongoing treatment prescribed. How consistently the treatment is adhered to?

Once we have this information, we will be able to give you a better idea if we can accept your client for standard coverage and we will provide instructions on how to proceed with the application

Click here and email us with the details.

Please click “yes” on the question asking “will this applicationa cause any insurance or annuity to be replaced totally or partially?”. Provide initial details in the pop up space provided. Then please also complete the Life Insurance Replacement Declaration (LIRD) with the client and submit the completed form to OBF at newbiz@orange.ca.

Your client is either not in an age bracket where we can offer Term products or the client has answered “yes” to one of the medical questions and is only eligible for Guaranteed Issue coverage.

Sorry. No. You will have to submit 2 separate applications.

Sorry. No. You will have to submit 2 separate applications.

Sorry. No. We are limited to withdrawing premiums on either the 1st or the 15th of the month.

However, if a client wishes to have a policy start immediately, they can deliver a cheque for the first month’s premium to our office at:

505 Consumers Road, Suite 706
Toronto, ON M2J 4V8

It’s also best to email us ahead of time at newbiz@orange.ca in order to alert us.

iIf your client is actively pursuing these activities, answering this is simple. You answer “yes”.

If your client is likely going to engage in these activites in the future,  answer “yes”.

If these activities are part of your client’s past but are not something your client will be engaged in going forward, answer “no” but mention them in the “Notes / Medications / Requests” screen coming up next. Mention that it’s in the past but that the client has no plans to do so in the future and the approximate date they last participated.

iIf your client is actively pursuing these activities, answering this is simple. You answer “yes”.

If your client is likely going to engage in these activites in the future,  answer “yes”.

If these activities are part of your client’s past but are not something your client will be engaged in going forward, answer “no” but mention them in the “Notes / Medications / Requests” screen coming up next. Mention that it’s in the past but that the client has no plans to do so in the future and the approximate date last used.

The notes section is there to disclose any information, or medications that you or your client may deem problematic to the application or which might cause problems at the time of claim.. 

This section is also great for clarifying when tests were performed, treatment ended, and other information that helps to establish timelines.

Once the information is disclosed,, it cannot be challenged at a later date once the policy is issued providing it was accurately described in good faith.

Please ask your MGA, Supervisor or OBF contact for your Agent Code/ID. 

Please ask your MGA, Supervisor or OBF contact for your Agent Code/ID. 

Some MGAs and Supervisors would like their Advisors to send them a copy of the completed application. If yours wants a copy, Please select “yes” and a boxes will appear for you to enter their First Name, Last Name and email address.

Once you click “submit form” they will be copied on the application once all parties have signed the application.

Once you click “Submit Form”, the Agent, Insured and Policy owner (if different from the insured), will almost instantly receive an email from OneSpan with their name in the subject line asking them to review and sign the application. 

If anyone who is required to sign does not receive one of these emails within 5 minutes, it is likely that the specified email is incorrect. In this case please email dwood@orange.ca to troublehoot the issue and possibly re-send the email to the correct email address.

If anyone who is required to sign does not receive one of these emails within 5 minutes, it is likely that the specified email is incorrect. In this case please email dwood@orange.ca to troublehoot the issue and possibly re-send the email to the correct email address.

When all parties have signed the Application the Insured, Policy Owner (if different from the Insured), Agent, and Supervisor (if selected) will all receive an email from OneSpan containing a link to download the completed application.

If anyone who is required to sign does not receive one of these emails within 5 minutes, it is likely that the specified email is incorrect. In this case please email dwood@orange.ca to troublehoot the issue and possibly re-send the email to the correct email address.