Editor’s note: This post follows our sneak-peek announcement from April 28. The Open Series is now publicly live across Canada.
For three years, we’ve been listening.
To advisors who hit the same underwriting wall every week. To brokers tired of losing real, qualified buyers to slow decisions and hard declines. To Canadian families who pay their premiums on time, manage their conditions like adults, and still get treated like risk no one wants to insure.
Today, the Open Series is live across Canada.
It’s a simplified-issue product built specifically for the cases other Canadian carriers postpone, decline, or rate up. And the technology behind it is a step-change from the application experience our advisors have been working with.
Here’s what we shipped, and why it matters.
Three years. Thousands of policies. One product line.
The Open Series didn’t come out of a strategy deck. It came out of every postponed application we watched go to a competitor. Every time a broker said “I have a great client, but…” Every conversation about why someone with managed diabetes, a five-year-clear cancer history, or a stable mental-health diagnosis was getting passed over by carriers built around picture-perfect health.
We’ve spent the last several years deeply embedded in the Canadian simplified-issue market. We’ve placed thousands of policies. We’ve had hundreds of conversations with independent advisors, MGAs, and brokers about what actually works at the kitchen-table level and what doesn’t.
The Open Series is what came out of that work. It is, very deliberately, not a product designed for the easy cases. It’s a product designed for the cases the rest of the industry has been quietly walking away from.
How the Open Series approaches simplified-issue underwriting
A few specifics, without giving away the entire agent guide:
- Four tiers of placement, from instant-issue Prime down to Guaranteed acceptance, so almost every applicant ages 18 to 80 lands somewhere usable.
- Instant-issue eligibility for managed conditions that other Canadian carriers routinely postpone or rate up.
- A guaranteed tier for the toughest histories, so an advisor never has to walk away empty-handed.
- No medical exam, no fluids, no waiting for an APS on the vast majority of applicants.
Plenty of carriers in Canada technically cover harder cases. The Open Series was engineered to actually win those cases on price, speed, and acceptance. That distinction is the entire point.
Who the Open Series was built for
The Open Series is built to issue life insurance coverage for the Canadians traditional underwriting routinely postpones, declines, or rates up. Categories the product was specifically designed around include:
- Diabetes (Type 1 and Type 2, including insulin users, when stable)
- High blood pressure and high cholesterol, managed and treated
- Cancer history, in remission
- Stable mental health conditions, including anxiety and depression
- Heart events after the appropriate waiting period
- Sleep apnea, epilepsy, and other chronic conditions under active care
If you’ve been quietly sending these clients elsewhere, or telling them to wait, you can now write the case through Oneday Pro. Final eligibility is determined by the simplified-issue questionnaire and the underlying policy contract issued by Humania Assurance Inc.
Oneday Pro 2.0: a platform built around how advisors actually work
A great product is only half the story. The other half is the experience of selling it.
When we rebuilt the advisor platform, we started from a clean sheet. Every screen, every flow, every notification was designed around three things our advisors and brokers told us mattered most.
Quotes in seconds
Real personalized quotes, generated in under a minute. Send them to the client before the call ends, with rates across all four Open Series tiers in a single view.
Full visibility on every case
Every application, status, payout, and policy lives in one dashboard. No second portals, no email chains, no calling support to find out where a case sits. Advisors can see the entire pipeline of their book in real time.
Faster qualification, more competitive offers
The new questionnaire is a simple Yes / No flow. Every question is a clean Yes or No. No fluids, no underwriter follow-ups, no resubmissions. The applicant is placed in the highest tier they qualify for the first time.
Applications take less than 20 minutes. Coverage approved in Oneday.
Yes, the wordplay is intentional. It’s also what’s actually happening on the platform every day.
What the Open Series changes for Canadian life insurance advisors
If you’ve been in this industry for any length of time, you know the cost of “no.” Every postponed case is a relationship damaged. Every rated-up offer is a buyer who shopped elsewhere. Every minute spent chasing paperwork is a minute you weren’t selling.
The Open Series, on the new platform, is built to flip that math. Faster quotes. More approvals. Better offers. Real visibility. Less administrative drag. More time on the client conversations that actually grow your book.
We didn’t build this product for the easy clients. We built it for the ones the rest of the industry has been telling you to send away.
Get contracted with Oneday Pro
If you’re not already a contracted Oneday advisor and you want access to the Open Series and Oneday Pro 2.0, we’re prioritizing onboarding for new Canadian life insurance advisors right now.
Already contracted? Log into Oneday Pro 2.0 and you’ll see it.
Christian
