One Application. Multiple Carriers. Fully Underwritten. LDA 1App is an integrated application tool built directly into the LDA platform, allowing advisors to complete one universal life insurance application for multiple participating carriers
Who Can Use 1App
To qualify for LDA 1App:
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Clients must be 18–50 years old
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Must be a Canadian citizen or permanent resident
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Must qualify for standard risk policies
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Coverage available for up to $2 million
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Available outside of Quebec
Current carriers supported: Manulife, BMO, and Equitable Life
Accessing 1App
You can start a 1App directly from your AmpLiFi Dashboard.
On the bottom left of your dashboard, you’ll see the new LDA 1App option. Click to begin a new application.
Starting a New Application
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Select a Client
Find an existing client from your LDA account. Client details (name, age, date of birth, province, and in-force policies) will automatically populate. -
Choose Application Type
If your client has existing in-force policies, indicate whether you’re starting a new application or replacing an existing policy.
(Note: 1App supports full replacements only.) -
Complete the Health Risk Assessment (HRA)
Work through the integrated HRA questionnaire with your client to determine eligibility and risk category.
Instant Decision
1App provides an instant underwriting decision for clients who qualify under standard risk guidelines.
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If approved, the application moves immediately to e-sign.
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If the client does not qualify, you’ll receive an instant notice. You can then use LDA to explore alternate options and submit a traditional application outside of 1App.
Selecting Products from the Marketplace
Once the Health Risk Assessment decision is complete, 1App will guide you to the marketplace, where you can view available term products from participating carriers that match your client’s eligibility.
Select the best fit, and 1App will automatically create an LDA case for you to present and share with your client.
Integrated E-Signature
Once approved, OneSpan e-sign documents are generated automatically.
Both the advisor and the client receive copies of the signed forms for their records. No additional setup or manual triggering is required.
Replacements & LIRD Integration
If the case involves a replacement, the Life Insurance Replacement Declaration (LIRD) is automatically filled using existing client and policy data. This ensures compliance and eliminates redundant data entry.
1App currently supports full replacements only.
Post-Submission Tracking
After submission, your completed applications are stored within the 1App area of your dashboard.
Since decisions are made instantly, there’s no waiting period. Advisors can easily reference previous applications for recordkeeping or compliance.
Carrier Integrations & Updates
1App automatically updates as new carriers join the platform. Advisors always have access to the most current list of participating insurers within the marketplace.
Current carriers include:
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Manulife
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BMO
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Equitable Life