NN0739E - Request for change - Evidence of insurability NOT required NN0739E 2025

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Some group plans may not require proof of insurability if the applicant applies during the open enrollment period. Also, providers of plans offering lower or limited benefits may not need evidence of a policyholders insurability. Also, convertible life insurance will not require additional evidence on conversion.
Evidence of Insurability (EOI) is documented proof of good health. An applicant begins the EOI and medical underwriting process by submitting a Medical History Statement (MHS). This, along with other information obtained during the underwriting evaluation is used by The Standard to make the underwriting determination.
In most cases, employees can complete the entire evidence of insurability process directly through the insurance company. In this digital age, many insurers provide online platforms and portals that allow employees to fill out and submit the form.
The EOI application is a questionnaire on which you and/or your dependent answer yes or no to questions concerning certain medical conditions. If you answer yes to any question(s), you are asked to provide details of the condition, such as pertinent dates, treatments, and names of physicians.
How to Provide Evidence of Insurability to Your Employees. In most cases, employees can complete the entire evidence of insurability process directly through the insurance company. In this digital age, many insurers provide online platforms and portals that allow employees to fill out and submit the form.
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Insurance companies provide an EOI form, either in paper or digital format. This general insurance questionnaire will request various information, including medical history, lifestyle habits, life events, and other relevant details.
The EOI process involves providing a detailed medical history and lifestyle habits and occasionally undergoing a thorough health examination. The information from the EOI helps determine insurance premium rates, coverage limits, and eligibility.