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Almost half of homeowners don't have one, Manulife says "We know that there are significantly fewer smokers than there were 20 years ago," said Karen Cutler, vice-president and chief underwriter for Manulife. "The benefit of doing the underwriting process the way we've done it for years and years and years doesn't necessarily exist in all situations anymore. The reality is we have a lot more information for cause and effect for different illnesses." Manulife announced last May that it was removing the need for blood and urine tests on Manulife term life products. Tuesday's announcement expands that to all individual life insurance paying up to $1 million, including whole life and universal life policies. The insurer said it's also reducing electrocardiogram testing requirements for clients between the ages of 41 to 69 applying for up to $5 million in coverage. Testing will still be required for some applicants, for example those with pre-existing conditions such as diabetes or heart disease. The change comes at a time when insurance sales are flat industry-wide, said Cutler. By simplifying the application process, the insurer is looking to save money and attract new clients, she said. "When we look at our process and we see the time that it takes, even for some of our low-risk cases, it just doesn't seem that it really meets the customer expectation anymore," Cutler said. "Naturally there will be some savings.
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