Last month, CBC News published an article about an Ontario man,
Robert Pugh, whose application for life insurance was denied on the
basis that he suffered from generalized anxiety disorder.
The 32 year old advised Sun Life Financial that he took
medication and CBD oil for the condition, under the supervision of
his doctor, and had received treatment since his late 20s.
What made the story interesting, in part, was the fact that it
was published at all. It is accepted practice that life and
disability insurance policies differentiate between individuals on
the basis of past medical history. If an applicant has a history of
diabetes, for example, she can expect to pay more in life insurance
premiums.
