In today’s digital landscape, identity verification is a crucial step in the life insurance application. Regulatory compliance, fraud prevention, and client security are top priorities. Oneday Pro ensures that every application meets FINTRAC-approved standards while maintaining a seamless user experience. Our advanced system makes ID verification:

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Simple

Clients can verify their identity in just a few clicks.

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Compliant

Fully adheres to FINTRAC’s ID verification guidelines.

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Fast

Automated checks ensure near-instant verification.

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Secure

Industry-leading encryption protects client data.

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FINTRAC-Approved ID Verification Methods

Oneday Pro uses the latest FINTRAC-approved identity verification methods to provide a friction-free experience while ensuring compliance. Our system automatically follows a tiered approach to verifying identities:

Primary Verification Methods

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1. Credit File Method

This method automatically verifies identity by checking a reliable Canadian credit file containing client information for at least three years.

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1. Dual-Process Method

This method confirms identity by verifying two reliable sources, such as:

• Bank account details
• Utility bills
• Government records </aside>

These automated methods allow instant verification without requiring additional client action, making the process fast and hassle-free.

What Happens If the Primary Verification Methods Fail?

If the primary verification methods are unsuccessful, Oneday Pro seamlessly shifts to a secure backup process:

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1. Government-Issued Photo ID Method

An agent is notified to request a government-issued photo ID from the client for final verification. This ensures that every client has a fair and secure opportunity to complete the ID verification process while fully complying with regulatory standards.

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ID Verification Step-By-Step

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Agent

Select the ‘click verification’ button

Remain on this screen while waiting for the applicant to complete the following steps.

Applicant

The applicant will receive a text message containing a secure link. They simply need to click the link and select "I Accept and Agree."

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1. Next, they'll need to select "Start" and allow camera access.

1. Next, they'll need to center their face in the frame, as if taking a selfie.

1. Next, they'll need to position their identification in the frame using their phone's back camera.

1. They'll need to do the same with the back of their identification (if applicable).

   

2. Finally, they'll need to verify their information, select their nationality, and click 'Submit'.