Children's Legacy 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. Children’s Legacy Plan product is limited children ages 6 months up age 15.

Our other current product offerings vary in their issue ages.  

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.

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. 

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. 

In most cases, the beneficiary of a Children’s Legacy Plan Policy is the Owner of the Policy. 

So, to save time in filling out the application, you can tick the “Same As Policy Owner” box and it will fill in the Policy Owner’s details copied from the first page of the application.

The insured is necessarily a minor. If the policy owner dies, an adult will need to assume ownership and make decisions around payment responsibilities.

Therefore a Contingent Owner needs to be specified to prepare for that possibility. Usually, the Contingent Owner is a Parent of the insured Child.

 Any significant medical conditions, diseases or impairments should be disclosed by ticking “yes” to the question asking the above. 

Please fill in the details of the condition, disease or impairment in the pop up box that appears after “yes” is ticked.

Unless the medical issue is life-threatening, we normally accept the applicant. However, we require disclosure of the medical issue with complete transparency in order to formally approve the application.

This protects the client and ensures a smooth claims process.

Tick the “Add another child” box at the bottom of the page and you will be able to add an additional child to the application.

Each application can have up to 4 children applying for the Children’s Legacy Plan.

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.

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.

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. 

If you do not know your Agency Number, you can type in the name of your agency.

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.