| A | B |
| Cheque not personalized | Compliance review required |
| Payment from the advisor | Compliance review required |
| Payable to 'The Bearer' or 'Cash' | Compliance review required |
| Payor is not on the application, and cannot determine relationship | Compliance review required |
| Cheque is not in Canadian funds | Compliance review required |
| Money order for $100 or more and not from a Canadian Bank | Compliance review required |
| Cheque is from the insured and completed correctly | Acceptable |
| Cheque is from the policy owner and completed correctly | Acceptable |
| Cheque is from the beneficiary and completed correctly | Acceptable |
| Cheque does not have a payee name, but is otherwise correct | Acceptable |
| Not payable to Manulife, but is endorsed to Manulife | Acceptable |
| Cheque is not signed | Not acceptable |
| Numeric and written amounts do not match and the difference is more than $1 | Not acceptable |
| Cheque date is over 6 months ago | Not acceptable |