Student Application for Membership & Insurance (2025-08)

Member - Personal Information
Doctors of BC #*
Name*

First nameMiddle initialLast name
Former name (if applicable)
Date of birth (dd-mm-yyyy)*

DayMonthYear
Date
SIN
Required for you to receive government funding from the Rural Education Action Plan (REAP) in 3rd year. If you skip this question we will ask you again in year 3.
CPSID
College of Physicians & Surgeons ID
Province of Birth*
or region
Country of Birth*
Address - Street number and name*
Apartment or Suite #
City*
Province or Territory*
Postal code*
Email*

Confirmation Emailexample@example.com
Telephone (preferred)*
Medical School Information
Date you started medical school (dd-mm-yyyy)*

DayMonthYear
Date
Date you expect to graduate (dd-mm-yyyy)*

DayMonthYear
Date
Medical School Site*
Epoch Time
Years
Are you in the MD/PhD program?*

YesNo
Your medical student membership is provided complimentary when you join Doctors of BC. Membership gives you access to special benefits and covers you for all consecutive years you are enrolled as a medical student. You may cancel at any time.

I hereby apply for membership with Doctors of BC. By applying for membership you agree to abide by the By-laws, Rules and Regulations of Doctors of BC.

If you applied for CMA membership, CMA will contact you directly with your membership registration.
Date Application Submitted*

DayMonthYear
Date
Signature for membership*

Clear

Spouse - Personal Information
Spouse Name*

First nameMiddle initialLast name
Spouse - Former name (if applicable)
Spouse - Date of birth (dd-mm-yyyy)*

DayMonthYear
Date
Spouse - Province of Birth*
or region
Spouse - Country of Birth*
Is your spouse's address different from member's address?

YesNo
Spouse Address - Street number and name*
Apartment or Suite #
City*
Province or Territory*
Postal code*
Spouse - Email*

Confirmation Emailexample@example.com
Spouse - Telephone (preferred)*
What is your smoking status?*

Non-SmokerSmoker
What is your sex?*

MaleFemale
Spouse - Occupational Information

For spouse life or spouse critical illness insurance
Spouse's Occupation
Spouse's Annual Income
If no annual income, please put $0
Doctors of BC Student Insurance Application
No-Cost Insurance Coverage available to Doctors of BC student members

For full coverage details, see the Student Insurance Brochure.

Disability Income Benefits

Monthly tax-free income if you are unable to attend medical school, train or work due to accident or illness. Coverage automatically adjusts based on your year of medical school) and can be extended into residency and practice.
- $1500 monthly tax-free benefit (year 1 & 2)
- $2500 monthly tax-free Benefit (year 3 & 4)
- 90 day elimination period
- maximum 5 year benefit (as a student)
In Year 4, you can purchase optional coverage to increase your coverage to $4000/month

Elimination period: The period a claimant must wait after the date of disability before benefits are payable

Life Insurance Benefits

$100,000 tax-free payout to your loved ones upon your death to help with debt repayment, family support, or funeral expenses.
Do you want to apply for $100,000 student life insurance at no-cost to you? (No evidence of insurability is required)*

YesNo
Do you want to apply for student disability benefits at no-cost to you?*

YesNo
What year of medical school are you in currently?*

1st2nd3rd4th
Do you want to purchase $1,500 of optional additional coverage for your 4th year of medical school?*

YesNo
What is your smoking status?*

Non-SmokerSmoker
What is your sex?*

MaleFemale
INCOMEprotect disability insurance - pre-qualification questions
Applying for life or disability insurance usually requires you to provide a full health and lifestyle history to the insurer providing the coverage. As a Doctors of BC member, you have access to 'simplified' underwriting for disability insurance and a no-underwriting offer for life insurance.

As a medical student, you have access to a few insurance offers and our Doctors of BC insurance advisors want to ensure you enrol in the best one for your situation. We'll ask six prescreening yes/no questions, and then that will help us determine whether you should continue in your application.
1. During the past 12 months, have you missed more than 15 consecutive days of work or school because of illness or injury?

YesNo
2. In the last 3 years, have you experienced symptoms of, been diagnosed with, received treatment or medication for, or consulted a physician or health care practitioner about any mental health condition or psychological disorder, including, but not limited to, anxiety, burnout, schizophrenia or psychosis?

YesNo
3. Do you currently have the loss of your power of speech, hearing in both ears, or sight in both eyes, or the loss of the use of both hands, both feet, or one hand and one foot?

YesNo
4. Have you ever had an application for life, disability, or critical illness insurance declined, rated, postponed, cancelled or modified in any way?

YesNo
5. In the last 3 years, have you undergone any investigations, received any treatment or medication, or been referred to a specialist by a physician or health care practitioner? This question does not refer to routine tests with normal results; or the common cold, flu, strep throat, ear infection, or pink eye; or birth control.

YesNo
6. Do you have any ongoing symptoms for which you have not consulted a physician or health care practitioner or received treatment?

YesNo
Thanks for answering the pre-screening questions. We recommend you proceed with this application as coverage will be issued immediately.
Thanks for answering the pre-screening questions. We recommend you talk to a Doctors of BC insurance advisor before submitting a disability insurance application.
Recommendation for disability insurance: Talk to a Doctors of BC Insurance advisor. How would you like to proceed?

Submit membership application onlySubmit membership application (if applicable) and student life insurance application only (erases DI question information from application form)Submit membership application (if applicable) and provide further health history details on this form so an advisor may reviewSubmit membership application (if applicable) and have insurance advisor call you regarding your disability insurance application
#1 Provide further Health history details*
During the past 12 months have you missed more than 15 consecutive days of work or school because of illness or injury?
#2 Provide further Health history details*
In the last 3 years, have you experienced symptoms of, been diagnosed with, received treatment or medication for, or consulted a physician or health care practitioner about any mental health condition or psychological disorder, including, but not limited to, anxiety, burnout, schizophrenia or psychosis?
#3 Provide further Health history details*
Do you currently have the loss of your power of speech, hearing in both ears, or sight in both eyes, or the loss of the use of both hands, both feet, or one hand and one foot?
#4 Provide further Health history details*
Have you ever had an application for life, disability or critical illness insurance declined, rated, postponed, cancelled, or modified in anyway?
#5 Provide further Health history details*
In the past 3 years, have you undergone any investigations, received any treatment or medication, or been referred to a specialist by a physician or health care practitioner? (this does not refer to routine tests with normal results, or the common cold, flu, strep throat, ear infection, pink eye, or birth control)
#6 Provide further Health history details*
Do you have any ongoing symptoms for which you have not consulted a physician or health care practitioner or received treatment?
6. Member - Life Insurance
Additional Term life insurance

You may apply to purchase a combined total of up to $5,000,000 term life insurance in units of $50,000 to a maximum of 100 units. Evidence of insurability is required. Indicate the amount of coverage you are applying for at this time, excluding existing Doctors of BC coverage, if any:
Amount of Member Life Insurance Coverage*
Units you are applying for (1 unit = $50,000*
Optional rider: Waiver of Premium*

YesNo
Optional rider: Future Insurance Option*

YesNo
Medical evidence

Additional information may be required so that we can assess your application.

Additional requirements may include, but not be limited to, a telephone interview by a carefully screened and trained interviewer who will ask you a series of questions about your medical history, your doctor’s name, and any medications taken. The interview will take approximately 30 minutes.

The information you provide will be sent to Manulife promptly and will be used only for insurance purposes.
7. Member - Life insurance beneficiary Designation
Beneficiary designation
This designation supercedes any previous beneficiary designation and will apply to the entire amount of your Doctors of BC life insurance coverage.

You hereby designate the individual(s) named as beneficiary on this application to receive any death benefit payable with respect to the coverage applied for.
How many primary beneficiaries do you wish to name?*
Primary Beneficiary #1*

First NameMiddle NameLast Name
Relationship of Primary Beneficiary #1 to you (life insured)*
Primary Beneficiary #1 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Primary Beneficiary #1 under 19?*

YesNo
Primary Beneficiary #1 Age*
Primary Beneficiary #2*

First NameMiddle InitialLast Name
Relationship of Primary Beneficiary #2 to you (life insured)*
Primary Beneficiary #2 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Primary Beneficiary #2 under 19?*

YesNo
Primary Beneficiary #2 Age*
Primary Beneficiary #3*

First NameMiddle InitialLast Name
Relationship of Primary Beneficiary #3 to you (life insured)*
Primary Beneficiary #3 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Primary Beneficiary #3 under 19?*

YesNo
Primary Beneficiary #3 Age*
TOTAL PRIMARY BENEFICIARY ALLOCATION*
Must total 100%
Secondary Beneficiary

If none of the primary beneficiaries are alive, any death benefit payable will be payable to the secondary beneficiary. If no beneficiary is designated, benefits will be payable to your Estate.
Do you want to name a secondary beneficiary?*

YesNo
How many secondary beneficiaries do you wish to name?*
Secondary Beneficiary #1*

First NameMiddle NameLast Name
Relationship of Secondary Beneficiary #1 to you (life insured)*
Secondary Beneficiary #1 Amount (%)*
All Secondary beneficiaries must add up to 100%
Is Secondary Beneficiary #1 under 19?*

YesNo
Secondary Beneficiary #1 Age*
Secondary Beneficiary #2*

First NameMiddle InitialLast Name
Relationship of Secondary Beneficiary #2 to you (life insured)*
Secondary Beneficiary #2 Amount (%)*
All Secondary beneficiaries must add up to 100%
Is Secondary Beneficiary #2 under 19?*

YesNo
Secondary Beneficiary #2 Age*
Secondary Beneficiary #3*

First NameMiddle InitialLast Name
Relationship of Secondary Beneficiary #3 to you (life insured)*
Secondary Beneficiary #3 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Secondary Beneficiary #3 under 19?*

YesNo
Secondary Beneficiary #3 Age*
Trustee for minor children

If you designate a beneficiary who is a minor when benefits become payable, benefits will be paid into court or to the Public Trustee unless a trustee is appointed. By appointing a trustee below, you agree that if the beneficiary is a minor on the date that benefits become payable, the benefits will be paid to the trustee to hold in trust for the minor until the minor comes of age.
Trustee Name*

First NameMiddle InitialLast Name
Relationship of Trustee to you (life insured)*
8. Spouse - Life Insurance
Additional Term life insurance

You may apply to purchase a combined total of up to $5,000,000 term life insurance in units of $50,000 to a maximum of 100 units. Evidence of insurability is required. Indicate the amount of coverage you are applying for at this time, excluding existing Doctors of BC coverage, if any:
Amount of Spouse Life Insurance Coverage*
Units you are applying for (1 unit = $50,000*
Optional rider: Waiver of Premium*

YesNo
Optional rider: Future Insurance Option*

YesNo
Medical evidence

Additional information may be required so that we can assess your application.

Additional requirements may include, but not be limited to, a telephone interview by a carefully screened and trained interviewer who will ask you a series of questions about your medical history, your doctor’s name, and any medications taken. The interview will take approximately 30 minutes.

The information you provide will be sent to Manulife promptly and will be used only for insurance purposes.
9. Spouse - Life insurance beneficiary Designation
Beneficiary designation
This designation supercedes any previous beneficiary designation and will apply to the entire amount of your Doctors of BC life insurance coverage.

You hereby designate the individual(s) named as beneficiary on this application to receive any death benefit payable with respect to the coverage applied for.
How many primary beneficiaries do you wish to name?*
Primary Beneficiary #1*

First NameMiddle NameLast Name
Relationship of Primary Beneficiary #1 to you (life insured)*
Primary Beneficiary #1 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Primary Beneficiary #1 under 19?*

YesNo
Primary Beneficiary #1 Age*
Primary Beneficiary #2*

First NameMiddle InitialLast Name
Relationship of Primary Beneficiary #2 to you (life insured)*
Primary Beneficiary #2 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Primary Beneficiary #2 under 19?*

YesNo
Primary Beneficiary #2 Age*
Primary Beneficiary #3*

First NameMiddle InitialLast Name
Relationship of Primary Beneficiary #3 to you (life insured)*
Primary Beneficiary #3 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Primary Beneficiary #3 under 19?*

YesNo
Primary Beneficiary #3 Age*
TOTAL PRIMARY BENEFICIARY ALLOCATION*
Must total 100%
Secondary Beneficiary

If none of the primary beneficiaries are alive, any death benefit payable will be payable to the secondary beneficiary. If no beneficiary is designated, benefits will be payable to your Estate.
Do you want to name a secondary beneficiary?*

YesNo
How many secondary beneficiaries do you wish to name?*
Secondary Beneficiary #1*

First NameMiddle InitialLast Name
Relationship of Secondary Beneficiary #1 to you (life insured)*
Secondary Beneficiary #1 Amount (%)*
All Secondary beneficiaries must add up to 100%
Is Secondary Beneficiary #1 under 19?*

YesNo
Secondary Beneficiary #1 Age*
Secondary Beneficiary #2*

First NameMiddle InitialLast Name
Relationship of Secondary Beneficiary #2 to you (life insured)*
Secondary Beneficiary #2 Amount (%)*
All Secondary beneficiaries must add up to 100%
Is Secondary Beneficiary #2 under 19?*

YesNo
Secondary Beneficiary #2 Age*
Secondary Beneficiary #3*

First NameMiddle InitialLast Name
Relationship of Secondary Beneficiary #3 to you (life insured)*
Secondary Beneficiary #3 Amount (%)*
All Primary beneficiaries must add up to 100%
Is Secondary Beneficiary #3 under 19?*

YesNo
Secondary Beneficiary #3 Age*
TOTAL SECONDARY BENEFICIARY ALLOCATION*
Must total 100%
Trustee for minor children

If you designate a beneficiary who is a minor when benefits become payable, benefits will be paid into court or to the Public Trustee unless a trustee is appointed. By appointing a trustee below, you agree that if the beneficiary is a minor on the date that benefits become payable, the benefits will be paid to the trustee to hold in trust for the minor until the minor comes of age.
Trustee Name*

First NameMiddle InitialLast Name
Relationship of Trustee to you (life insured)*
Member - Critical Illness Insurance
Minimum $50,000. Maximum $500,000, in units of $10,000.

For more information about the riders, please visit doctorsofbc.ca
Amount of new critical illness insurance applied for at this time, excluding Doctors of BC coverage, if any
Do you want to add Waiver of Premium Rider?

Yes, please add the Waiver of Premium riderNo, I do not want Waiver of Premium rider
Spouse - Critical Illness Insurance
Minimum $50,000. Maximum $500,000, in units of $10,000.

For more information about the riders, please visit doctorsofbc.ca
Amount of new critical illness insurance applied for at this time, excluding Doctors of BC coverage, if any
Do you want to add Waiver of Premium Rider?

Yes, please add the Waiver of Premium riderNo, I do not want Waiver of Premium rider
Critical Illness Insurance - Life Event Eligibility
Manulife will accept applications for Doctors of BC member and/or spouse critical illness insurance without evidence of insurability for benefit amounts of a one-time maximum of $50,000 within 90 days of eligible life events. Such insurance coverage is subject to the Pre-existing Condition Limitation outlined in the Critical Illness certificate
Are you applying for $50,000 critical illness offer with no evidence of insurability?*

YesNo
Please select the appropriate life event*
Date of Life Event*

DayMonthYear
Date
Dependent Child Critical Illness Insurance Rider
Amount of Dependent Child Critical Illness insurance applied for at this time, excluding existing Doctors of BC coverage, if any:*

$5,000$10,000$15,000$20,000
How many children are you enrolling for the dependent child rider?*
Dependent Children - Personal Information

for Dependent Child Critical Illness Rider
Insurance applications require the consent of the insured if the insured is 16 or older. If any of your children are over 16, we will ask for an email address as they must sign the DocuSign application as well. We keep the email on file solely for the purpose of completing the insurance application, or administering a claim.
Child 1
Dependent Child 1 - Name*

First NameMiddle InitialLast Name
Dependent Child 1 - Date of Birth*

DayMonthYear
Date
Dependent Child 1 - Sex*

MaleFemale
Is Dependent Child 1 age 16 or older?*

YesNo
Dependent Child 1 - Email Address*

Confirmation Emailexample@example.com
Child 2
Dependent Child 2 - Name*

First NameMiddle InitialLast Name
Dependent Child 2 - Date of Birth*

DayMonthYear
Date
Dependent Child 2 - Sex*

MaleFemale
Is Dependent Child 2 age 16 or older?*

YesNo
Dependent Child 2 - Email Address*

Confirmation Emailexample@example.com
Child 3
Dependent Child 3 - Name*

First NameMiddle InitialLast Name
Dependent Child 3 - Date of Birth*

DayMonthYear
Date
Dependent Child 3 - Sex*

MaleFemale
Is Dependent Child 3 age 16 or older?*

YesNo
Dependent Child 3 - Email Address*

Confirmation Emailexample@example.com
Child 4
Dependent Child 4 - Name*

First NameMiddle InitialLast Name
Dependent Child 4 - Date of Birth*

DayMonthYear
Date
Dependent Child 4 - Sex*

MaleFemale
Is Dependent Child 4 age 16 or older?*

YesNo
Dependent Child 4 - Email Address*

Confirmation Emailexample@example.com
Child 5
Dependent Child 5 - Name*

First NameMiddle InitialLast Name
Dependent Child 5 - Date of Birth*

DayMonthYear
Date
Dependent Child 5 - Sex*

MaleFemale
Is Dependent Child 5 age 16 or older?*

YesNo
Dependent Child 5 - Email Address*

Confirmation Emailexample@example.com
Child 6
Dependent Child 6 - Name*

First NameMiddle InitialLast Name
Dependent Child 6 - Date of Birth*

DayMonthYear
Date
Dependent Child 6 - Sex*

MaleFemale
Is Dependent Child 6 age 16 or older?*

YesNo
Dependent Child 6 - Email Address*

Confirmation Emailexample@example.com
Member - Other Insurance Information
Notes: If you intend to replace coverage, do not cancel your existing coverage until you receive your new insurance certificate.

Disability insurance includes individual, group, association, creditor insurance, salary continuation, accident only, professional/office overhead expense, or any other type of insurance that provides disability benefits
Do you have any pending or existing life, critical illness, disability* or professional expense insurance (PEI) coverage with Manulife, Doctors of BC or any other company?

YesNo
Coverage #1 - Insurer*
Type of Coverage (Coverage #1)*
Coverage #1 - Amount*
Coverage #1 - Taxable Benefit*

TaxableNon-Taxable
Details of Coverage #1 (if disability or professional expense)*

Elimination Period Benefit Period

Policy 1
Is Coverage #1 pending?*

YesNo
Date Coverage #1 Issued (MM-YYYY)*
Do you intend to replace Coverage #1?*

YesNo
Do you intend to reduce Coverage #1?*

YesNo
Do you have any other pending or existing life, critical illness, disability* or professional expense insurance (PEI) coverage with Manulife, Doctors of BC or any other company (beyond coverage #1)?*

YesNo
Coverage #2 - Insurer*
Type of Coverage (Coverage #2)*
Coverage #2 - Amount*
Coverage #2 - Taxable Benefit*

TaxableNon-Taxable
Details of Coverage #2 (if disability or professional expense)*

Elimination Period Benefit Period

Policy 2
Is Coverage #2 pending?*

YesNo
Date Coverage #2 Issued (MM-YYYY)*
Do you intend to replace Coverage #2?*

YesNo
Do you intend to reduce Coverage #2?*

YesNo
Do you have any other pending or existing life, critical illness, disability* or professional expense insurance (PEI) coverage with Manulife, Doctors of BC or any other company (beyond coverage #2)?*

YesNo
Coverage #3 - Insurer*
Type of Coverage (Coverage #3)*
Coverage #3 - Amount*
Coverage #3 - Taxable Benefit*

TaxableNon-Taxable
Details of Coverage #3 (if disability or professional expense)*

Elimination Period Benefit Period

Policy 3
Is Coverage #3 pending?*

YesNo
Date Coverage #3 Issued (MM-YYYY)*
Do you intend to replace Coverage #3?*

YesNo
Do you intend to reduce Coverage #3?*

YesNo
Do you have any other pending or existing life, critical illness, disability* or professional expense insurance (PEI) coverage with Manulife, Doctors of BC or any other company (beyond coverage #3)?*

YesNo
Coverage #4 - Insurer*
Type of Coverage (Coverage #4)*
Coverage #4 - Amount*
Coverage #4 - Taxable Benefit*

TaxableNon-Taxable
Details of Coverage #4 (if disability or professional expense)*

Elimination Period Benefit Period

Policy 4
Is Coverage #4 pending?*

YesNo
Date Coverage #4 Issued (MM-YYYY)*
Do you intend to replace Coverage #4?*

YesNo
Do you intend to reduce Coverage #4?*

YesNo
Indicate how much of the insurance listed above will be reduced if the coverage you have applied for is issued:
Reducing Coverage #1 - Insurer*
Type of Coverage (Coverage #1)*
Reducing Coverage #1 to - Amount*
Reducing Coverage #2 - Insurer*
Type of Coverage (Coverage #2)*
Reducing Coverage #2 to - Amount*
Reducing Coverage #3 - Insurer*
Type of Coverage (Coverage #3)*
Reducing Coverage #3 to - Amount*
Reducing Coverage #4 - Insurer*
Type of Coverage (Coverage #4)*
Reducing Coverage #4 to - Amount*
Spouse - Other Insurance Information
Notes: If you intend to replace coverage, do not cancel your existing coverage until you receive your new insurance certificate.

Disability insurance includes individual, group, association, creditor insurance, salary continuation, accident only, professional/office overhead expense, or any other type of insurance that provides disability benefits
Do you have any pending or existing life or critical illness with Manulife, Doctors of BC or any other company?*

YesNo
Coverage #1 - Insurer*
Type of Coverage (Coverage #1)*
Coverage #1 - Amount*
Is Coverage #1 pending?*

YesNo
Date Coverage #1 Issued (MM-YYYY)*
Do you intend to replace Coverage #1?*

YesNo
Do you intend to reduce Coverage #1?*

YesNo
Do you have any other pending or existing life, critical illness, disability* or professional expense insurance (PEI) coverage with Manulife, Doctors of BC or any other company (beyond coverage #1)?*

YesNo
Coverage #2 - Insurer*
Type of Coverage (Coverage #2)*
Coverage #2 - Amount*
Is Coverage #2 pending?*

YesNo
Date Coverage #2 Issued (MM-YYYY)*
Do you intend to replace Coverage #2?*

YesNo
Do you intend to reduce Coverage #2?*

YesNo
Do you have any other pending or existing life, critical illness, disability* or professional expense insurance (PEI) coverage with Manulife, Doctors of BC or any other company (beyond coverage #2)?*

YesNo
Coverage #3 - Insurer*
Type of Coverage (Coverage #3)*
Coverage #3 - Amount*
Is Coverage #3 pending?*

YesNo
Date Coverage #3 Issued (MM-YYYY)*
Do you intend to replace Coverage #3?*

YesNo
Do you intend to reduce Coverage #3?*

YesNo
Do you have any other pending or existing life, critical illness, disability* or professional expense insurance (PEI) coverage with Manulife, Doctors of BC or any other company (beyond coverage #3)?*

YesNo
Coverage #4 - Insurer*
Type of Coverage (Coverage #4)*
Coverage #4 - Amount*
Is Coverage #4 pending?*

YesNo
Date Coverage #4 Issued (MM-YYYY)*
Do you intend to replace Coverage #4?*

YesNo
Do you intend to reduce Coverage #4?*

YesNo
Indicate how much of the insurance listed above will be reduced if the coverage you have applied for is issued:
Reducing Coverage #1 - Insurer*
Type of Coverage (Coverage #1)*
Reducing Coverage #1 to - Amount*
Reducing Coverage #2 - Insurer*
Type of Coverage (Coverage #2)*
Reducing Coverage #2 to - Amount*
Reducing Coverage #3 - Insurer*
Type of Coverage (Coverage #3)*
Reducing Coverage #3 to - Amount*
Reducing Coverage #4 - Insurer*
Type of Coverage (Coverage #4)*
Reducing Coverage #4 to - Amount*
Member/Spouse - Declaration and Authorization
Please review the Declaration and Authorization section of the application form carefully before DocuSigning.
Member/Spouse - Information about MIB, LLC
Please review the Information about MIB, LLC section of the application form carefully before DocuSigning.
Member/Spouse - Personal Information Statement
Please review the Personal Information statement on the application form carefully before DocuSigning.
Signature - Application for Insurance
Please press submit. A member of our team will follow-up directly via DocuSign to obtain the required signatures. Your application is not complete without the DocuSignature.
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