Evidence of Insurability (EOI) is an application process in which you provide information on the condition of your health or your dependent's health in order to get certain types of insurance coverage. EOI may be required if you apply for an amount of Optional Life and/or Dependent Life insurance coverage higher than the guaranteed issue amount; you are currently enrolled and want to increase your Optional Life and/or Dependent Life insurance amount; or you decline coverage during your initial eligibility period and then want coverage at a later date.
The completed EOI application requires review and approval before coverage becomes effective. After review, additional information may be needed from you or your physician for further processing. Some coverage amounts may require a brief exam, a blood test, urinalysis and/or EKG.
Online EOI submission reduces the processing of paper applications for coverage requests, increases accuracy and confidentiality, and speeds application processing. Our EOI application can be fully completed online and electronically submitted. Step by step instructions will lead you through the process, which can take approximately 20 minutes.
In order to evaluate your application, our Medical Underwriting team relies on the accuracy of the information you have provided. Privacy and security features have been built into our Web site to assure protection of personal information. Your answers to the health questions are kept strictly confidential and are not shared with your employer.