No-Cost Undergraduate Form for Students Age 40 to 64 Logo

  • No-Cost Undergraduate Package & Optional Graduate Enrolment and Application Form for Students Age 40 to 64

    Life, Accidental Death & Dismemberment (AD&D), Disability and TripleGuard™ Insurance

  • Thank you for your interest in the CDSPI No-Cost Undergraduate Package & Optional Graduate Insurance Package. This is an excellent choice as you get to pre-qualify now at no-cost for guaranteed higher limits after graduation. Let’s start by determining which application to complete.

    a) If you are a permanent resident of Quebec, please contact CDSPI Advisory Services Inc. at 1.800.561.9401 to apply.

    b) If you are a permanent resident of any other province in Canada, please proceed with the online application below.

  • Are you eligible?

    You are eligible for coverage if you are a dental student or a dentist who was a student and has graduated this calendar year.

    “Student” means a full-time dental student enrolled in an accredited Canadian school or faculty of dentistry who is a Canadian citizen or a permanent resident of Canada.

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  • It looks like you are not eligible for our No-Cost Optional Graduate Insurance Package

    To be eligible for this offer you must be a full-time dental student enrolled in an accredited Canadian school or faculty of dentistry, or have graduated from an accredited Canadian school or faculty of dentistry in the current year. You must also be a Canadian citizen or a permanent resident of Canada.

    Looking for tips and tools on how to tackle debt and saving? We invite you to explore our Insights Hub for the latest articles, podcasts and videos on a variety of topics geared to students.

     

  • Section 1: Package Section

  • You must qualify medically to obtain coverage* from Manulife. Please answer all questions in Section 3, Declaration of Insurability.

    Effective January 1st after your graduation year, you will receive a 50 per cent savings on regular premiums for the Life, AD&D and TripleGuard™** Insurance in the Optional Graduate Package for three calendar years following graduation and a 15% lifetime savings on regular premium** rates for DisabilityGuard™ Insurance for the life of the policy DisabilityGuard™ premium rates are guaranteed to age 65.

  • You must qualify medically to obtain coverage* from Manulife. Please answer all questions in Section 3, Declaration of Insurability.

    If your application is approved, coverage will be effective* at graduation or the date the application is approved, if later. You will pay absolutely no premiums for this coverage up to December 31st of your graduation year

    Effective January 1st after your graduation year, you will receive a 50 per cent savings on regular premiums for the Life, AD&D and TripleGuard™** Insurance in the Optional Graduate Package for three calendar years following graduation and a 15% lifetime savings on regular premium** rates for DisabilityGuard™ Insurance for the life of the policy DisabilityGuard™ premium rates are guaranteed to age 65.

  • *Provided that you are not on claim or satisfying an elimination period.

    **Life, AD&D, and DisabilityGuard™ insurance are underwritten by The Manufacturers Life Insurance Company (Manulife). TripleGuard™ insurance is underwritten by Zurich Insurance Company Ltd.

    IMPORTANT NOTE ABOUT THE PREMIUM REDUCTIONS: Students graduating in the year 2026 onwards, mut be members of the CDA or a participating provincial or territorial dental association in order to be eligible for the premium reductions.

  • Please select a package to proceed.

  • Section 2: Applicant Information

  • {InsuredName:last}, {InsuredName:first} ({InsuredName:middle})

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  • You must be between ages 40 and 64 to complete this application.

    If you are under 40 and would like to apply please use the:
    No-Cost Optional Graduate Package Application Form

    For more information visit Our Student page or contact us at: 1.800.561.9401 or insurance@cdspi.com

     

  • The definition of a non-smoker is that you have not used any tobacco products (i.e. cigarettes, pipe tobacco, chewing tobacco, tobacco cessation products, etc.) for 12 months prior to signing this form.

  • University Information

  • Contact Information

  • QUEBEC Residents:

    Thank you for your interest in the CDSPI no-cost undergraduate insurance package. You can download the fillable PDF Insurance enrolment forms from the student offer page of the CDSPI Website: https://www.cdspi.com/student-offer/

    If you have any questions, please contact us at at: 1.800.561.9401 or insurance@cdspi.com

  • Beneficiary Designation

  • I designate the person named below as my beneficiary to receive any money payable under the Life and AD&D Insurance upon my death. I understand that my beneficiary appointment is revocable. NOTE: If you wish to make a beneficiary designation irrevocable, please contact CDSPI.

  • {beneficiary:last}, {beneficiary:first} ({beneficiary:middle})

  • If you need to add a second beneficiary, or if this beneficiary is a minor, please contact us at 1.800.561.9401 or insurance@cdspi.com.

    If you designate a beneficiary who is a minor when benefits become payable, benefits will be paid into court or to the Public Trustee, unless a trustee is appointed. By appointing a trustee below, you agree that if the beneficiary is a minor on the date that benefits become payable, the benefits will be paid to the trustee to hold in trust for the minor until the minor comes of age.

  • SECTION 3: Declaration of Insurability

    A. Personal Information

  • Have you:

     

  • Within the next 12 months:

     

  • Within the past 5 years:

  • SECTION 3: Declaration of Insurability (continued)

    B. Family Medical History

  • IMPORTANT: Any reference to testing, tests, test results, or investigations in this section excludes genetic tests. Genetic tests means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

  • Have any of your parents or siblings (brothers or sisters):

  •  

  • SECTION 3: Declaration of Insurability (continued)

    C. Medical Information
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  • SECTION 3: Declaration of Insurability (continued)

    D. Health Conditions, Disorders and Treatments

  • NOTE: If you answer Yes to any of the following questions, you must provide further details in the table following, titled "Medical Information Details."

    1. Have you ever had any indication of or been treated for conditions involving any of the following:

  • Indicate weekly quantity and type:

  • Section 3: Declaration of Insurability (continued)

    2. If you are a female,
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  • Section 3: Declaration of Insurability (continued)

    D. Health Conditions, Disorders and Treatments (continued)

  • 3. During the past 5 years, have you:

  • Section 3: Declaration of Insurability (continued)

    D. Health Conditions, Disorders and Treatments (continued)

  • 4. During the past 2 years, have you:

  • IMPORTANT: Please note that the insurer may request a medical examination, urinalysis or tests such as a general blood profile, including blood test for HIV/AIDS, which will be made at no expense to the applicant. Results of any positive infectious disease tests will be reported to the appropriate provincial or territorial health department, if required by law.

     

  • SECTION 4: Declaration and Authorization

    (To be read and signed by the applicant/person to be insured)
    • Consent to Electronic Delivery of Insurance Documents and Notices 

    • Consent to Electronic Delivery of Insurance Documents and Notices

      By selecting “I agree to the electronic delivery of insurance documents and notices” below, you agree to the following terms and conditions:

      1. You will receive insurance account documents and notices electronically from CDSPI and CDSPI Advisory Services Inc., collectively called “CDSPI”.
      2. You agree to the electronic delivery of documents and notices relating to the CDSPI insurance account listed on this form.
      3. You understand that documents and notices will be made available in your online account located in the secure login section of the CDSPI website. You will be notified by email when the actual document or notice is available for viewing in your online account. If this is for a joint account, you acknowledge that delivery to the email address provided is delivery to each account owner.
      4. You understand that you must be registered with access to the secure login section of the CDSPI website in order to electronically receive documents. You confirm that you have the necessary technical ability and electronic resources to access and view the electronic documents and notices. You will require internet access and document viewing software that allows you to view PDF files, such as Adobe Reader or a browser plug in. It is your responsibility to view all documents and notices sent to your online account located in the secure login section of the CDSPI website.
      5. You will advise CDSPI immediately if your email address changes from the one provided in this document. CDSPI may send paper copies of documents and notices if it receives notice of a failed email delivery.
      6. If you are unable to successfully download your documents and notices, you may request a printed copy to be sent by regular mail.
      7. You understand documents and notices will be posted in your online account for delivery for a period of time corresponding to the notice period stipulated under applicable legislation and the documents and notices will remain posted on your online account for a period of time which is appropriate and relevant, given the nature of the document or notice.
      8. You can withdraw your consent to the electronic delivery of insurance documents and notices at any time by calling CDSPI at 1.800.561.9401 or emailing insurance@cdspi.com.
      9. CDSPI in its sole discretion, may provide you with a paper copy of any document or notice through standard mail if it is of the view that a paper copy is necessary or if it is unable to deliver any document or notice electronically, including if required by applicable law.
    • Econsent agreement 
    • Notice on Exchange and Information 

    • NOTICE ON EXCHANGE OF INFORMATION — MUST BE READ AND RETAINED BY THE PERSON TO BE INSURED.

      All information requested will be for insurance purposes only and will be treated as confidential. The insurer or its reinsurers may, however, make a brief report on it to the MIB Group, Inc. (MIB MIB is a non-profit membership organization of life insurance companies which operates an insurance information exchange on behalf of its members. Subject to your authorization, MIB will supply information from its files to another member insurance company to which you have applied for life or health insurance or to which a claim is submitted. On your request, MIB will arrange for disclosure to you of any information it may have in your file. If you question the accuracy of MIB’s file, you may contact MIB and seek a correction. You can reach the MIB’s information office by writing to 330 University Avenue, Suite 501, Toronto, ON M5G 1R7, calling 416.597.0590 or emailing canada_disclosure@mib.com.

      Manulife’s Notice on Privacy and Confidentiality:

      In this Statement, “you” and “your” refer to the policyowner or holder of rights under the contract , the insured and the parent or guardian of any child named as insured who is under the legal age for providing consent. “We”, “us”, “our” and “the Company” refer to The Manufacturers Life Insurance Company and our affiliated companies and subsidiaries. Updates to this Statement and further information about our privacy practices are posted to www.manulife.ca.

      We collect, use, verify and disclose your personal information for identified purposes, and only with your consent, or as permitted or required by law. By selecting submit or by signing the application, you give your consent for us to collect, use, and disclose your personal information, as set out in this Personal Information Statement. Any alterations to the consent must be agreed to in writing by the Company.

      What personal information do we collect?

      Depending on the product you have applied for, we collect specific personal information about you such as:

      • Identifying information such as your name, address, telephone number(s), email address, your date of birth, or driver’s license Medical information that any organization or person has about you
      • Any test that may be necessary for us to decide if and on what terms to insure you, such as a medical exam or blood test.
      • Your personal information from MIB, Inc., as explained in Information about MIB, Inc.
      • A copy of all driving related information from provincial or territorial Motor Vehicle Divisions
      • A personal investigation, financial information, credit bureau report and/or a consumer report from other organizations, person or source that has any information or records about you
      • Information about how you use our products and services, and information about your preferences, demographics, and interests
      • Other personal information we may require to administer our business relationship with you

      We use fair and lawful means to collect your personal information.

      Where do we collect your personal information from?

      • Your completed applications, recorded Teleinterviews and forms
      • Other interactions between you and the Company,
      • Other sources, such as:
        • Your advisor or authorized representative(s)
        • Third parties with whom we deal in issuing and administering your policy now, and in the future
        • Public sources, such as government agencies, and internet sites

      What do we use your personal information for?

      We will use your personal information to:

      • Help us properly administer the products and services that we provide and to manage our relationship with you
      • Confirm your identity and the accuracy of the information you provide
      • Evaluate your application, and issue and administer the rights under the policy
      • Comply with legal and regulatory requirements
      • Understand more about you and how you like to do business with us
      • Analyze data to help us understand our customers better so we can improve the products and services we provide
      • Determine your eligibility for, and provide you with details of, other products or services that may be of interest to you 

      Who do we disclose your information to?

      • Persons, financial institutions and other parties with whom we deal in issuing and administering your policy now, and in the future
      • Authorized employees, agents and representatives 
      • Any person or organization to whom you gave consent
      • People who are legally authorized to view your personal information
      • Service providers who require this information to perform their services for us (for example data processing, programming, data storage, market research, printing and distribution services, paramedical and investigative agencies)
      • Your medical doctor 
      • Public health authorities as required, if laboratory tests performed on our behalf show that you have tested positive for infectious disease

       

      The abovementioned people, organizations and service providers are both within Canada and jurisdictions outside Canada, and would therefore be subject to the laws of those jurisdictions.

      Where personal information is provided to our service providers, we require them to protect the information in a manner that is consistent with our privacy policies and practices.

      The personal information you provided in this application: 

      • will become a part of all the contracts that result from this application, even if you are not the owner or one of the people to be insured for that printed contract
      • will be shared with all the owners and any subsequent owners of those contracts and all people to be insured

      How long do we keep your information? 

      The longer of:

      • the time period required by law and by guidelines set for the financial services industry, and
      • the time period required to administer the products and services we provide.

      Withdrawing your consent

      You may withdraw your consent for us to use your personal information to provide you with other service or product offerings, excluding those mailed with your statements.

      You may not withdraw your consent for us to collect, use, retain or disclose personal information we need to issue or administer the policy unless federal or provincial laws give you this right. If you do so, a policy may not be issued and benefits will not be payable under the contract or we may treat your withdrawal of consent as a request to terminate the contract.

      If you wish to withdraw your consent, phone our customer care centre at 1-877-261-8222, or write to the Privacy Officer at the address below.

      Accuracy and Access 

      You will notify us of any change to your contact information. You have the right to access and verify your personal information maintained in our files, and to request any factually inaccurate personal information be corrected, if appropriate. If you have a question or a concern, wish to receive more information about parties who have access to your information or about our privacy policies and procedures, and/or wish to review your personal information in our files or correct any inaccuracies, you may send a written request to:

      Privacy Officer

      Manulife

      P.O. Box 1602

      500 King Street North

      Waterloo, ON N2J 4C6

      Privacy_office_canadian_division@manulife.com

      Please note the security of email communication cannot be guaranteed. Do not send us information of a private or confidential nature by email. By contacting us via email you are authorizing us to communicate with you by email.

      Zurich's Privacy Notice: By submitting personal information, including, but not limited to, name, address, date of birth, and medical information, to Zurich Insurance Company Ltd and its affiliates (collectively, "Zurich") and authorized representatives respecting individuals insured or covered by this policy, you acknowledge and confirm that yo uhave consented to or, if applicable, you have obtained, and are retaining the consent of such individuals to the collection, storage, use and disclosure of their personal information for the purporses of securing and adminstering such insurance coverage(s). Personal information is processed and stored by Zurich and its affiliates and authorized representatives in both domestic and foreign jurisdictions. Please contact the Zurich Privacy Officer if you require further additional information regarding the collection, use, disclosure, processing and storage of your personal information via email at privacy.zurich.canada@zurich.com or you can review our privacy statement at https://www.zurichcanada.com/en-ca/about-zurich/privacy-statement. The policyholder may refuse t oconsent or withdraw their consent to the collection, storage, use or disclosure of personal information; however, the refusal to provide consent may result in Zurich being unable to offer and administer insurance coverage or prevent Zurich from being able to pay claim benefits. Zurich is committed to protected the privacy and confidentiality of information provided. Your file is secured in our offices or those of our administrator or agent. You may request to review your personal information and make corrections by writing to:

      Zurich Insurance Company Ltd. (Canadian Branch)
      Attention: Privacy Officer
      100 King Street West, Suite 5500, P.O. Box 290
      Toronto, Ontario M5X IC9

      CDSPI’s Privacy Notice: CDSPI and CDSPI Advisory Services Inc. collect, use and disclose your personal information on this application for purposes that include: determining your eligibility for our plans; administering and providing insurance and financial services to you; underwriting; claims adjudication; protecting against fraud, errors or misrepresentations; meeting legal, regulatory or contractual requirements; marketing and to advise you of other related products and services. We limit access to your personal information in our files to our employees, authorized agents and third- party service providers, and to any other person you authorize or as authorized by law. These people, organizations and service providers may be in countries outside Canada, so your personal information may be subject to the laws of those countries. You may request to review the personal information your file contains and make corrections by sending a written request to: CDSPI, Attn: The Chief Privacy Officer, 2005 Sheppard Ave East, Suite 500, Toronto, ON M2J 5B4. To find out more about our privacy practices, visit www.cdspi.com/privacy. 

      Accessible formats and communication supports are available upon request. Visit www.cdspi.com for more information.

       

       

    • Agreement to Statements 

    • LIFE, AD&D AND DISABILITYGUARD™ INSURANCE ARE UNDERWRITTEN BY THE MANUFACTURERS LIFE INSURANCE COMPANY (MANULIFE).

      Manulife has the authority to grant or refuse insurance coverage based on health considerations. Precise details, terms, conditions and exclusions are set out in the insurance contracts for these plans. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2020 The Manufacturers Life Insurance Company. All rights reserved. Manulife, P.O. Box 670, Stn Waterloo, ON N2J 4B8

    • Authorization 

    • I apply to The Manufacturers Life Insurance Company (Manulife) for insurance under the group policies, Life, Accidental Death and Dismemberment, and DisabilityGuardTM and to Zurich Insurance Company Ltd. for the TripleGuardTM insurance plan, issued in connection with CDSPI.

      I acknowledge receipt of and confirm my agreement with Manulife’s Notice on Privacy and Confidentiality, the Notice on Exchange of Information, Zurich's Privacy Notice and CDSPI’s Privacy Notice.

      I, the undersigned, declare that the statements contained in this application including, if applicable, the statements in Section 2, Declaration of Insurability, are true and complete and, together with any other forms that may be signed by me in connection with this application, form the basis for any policy or certificate issued under the group policies.

      I understand that any material misrepresentation, including misstatement of smoker status, shall render any insurance issued pursuant to this application voidable at the instance of the insurer. I understand that if I am required to provide any health information that such information must be accurate as of the date the Declaration of Insurability is signed.

      I, the person to be insured, authorize any licensed physician, medical practitioner, hospital, pharmacy, clinic or other medically related facility, insurance company, MIB Group, Inc., the group policy administrator, the insurance plan sponsor, any investigative and security agency, any agent, broker or market intermediary, any government agency or other organization or person that has any records or knowledge of me or my health to provide to Manulife or its reinsurers any such information, to the extent necessary for the purposes of this application and contract and in the event of any subsequent claim. I authorize Manulife to consult its existing files for these purposes. A photocopy or facsimile of this authorization shall be as valid as the original. I declare that I have been made aware of the reasons why the health information is needed and the risks and benefits to the individual of consenting or refusing to consent. I understand that this consent may be revoked at any time and that, if as a result of such revocation the insurer is unable to obtain proof of claim, this may result in claims not being paid.

      I understand that for the accidental death and dismemberment and long term disability benefits there are limitations and exclusions that apply. For life insurance, death resulting from suicide within 2 years of the effective date or any reinstatement date is not covered.

      Important — In respect of the Undergraduate Package: This form must be received by CDSPI by your graduation date and within 30 days of the signature date below, in order to enrol in the Undergraduate Package. I understand that coverage under the Undergraduate Package does not take effect unless my application is approved by Manulife.

      Important — If I am applying for the Optional Graduate Package: This application must be received by CDSPI by December 31st of my graduation year and within 30 days of the signature date below if I am applying for the Optional Graduate Package. To apply for the Optional Graduate Package, I must obtain the Undergraduate Package by my graduation date. I understand that my coverage under the Optional Graduate Package does not take effect unless my application is approved by Manulife and such coverage shall not take effect until my graduation date or the date my completed application is approved by Manulife, whichever is later.  

       

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