With students returning to campuses this fall, it’s a good time to review ivari’s immigration guidelines, as clients in Canada on a study permit are eligible only for T10 coverage.

Taking a few extra minutes early in the conversation to confirm a client’s residency, before applying, can help create a smoother application experience for both you and your client and ensure the client is matched with the right coverage.

Before submitting an application, be sure to:

✔️ Confirm the client’s immigration status
Ask whether the client holds a study permit, work permit, permanent resident status, or another eligible status.

✔️ Review supporting documentation
Verify that the immigration documents provided match the client’s current status.

✔️ Recommend the appropriate product
If the client holds a study permit, ensure the recommendation is limited to T10.

✔️ Submit required documentation with the application
Including immigration documents upfront can help streamline the underwriting process.

✔️ Check the latest immigration guidelines
Before submitting an application, review the current guidelines to confirm eligibility requirements.

Need a refresher? Review the latest Immigration guidelines before submitting your next application involving a client who is new to Canada.