Evidence of Insurability (EOI, also known as “Medical underwriting”)

A group or individual might have to go through this process when applying for health or life insurance. It may also be needed when someone wants more coverage or is enrolling late. It helps the insurer decide whether to cover the person or group. The process might include:

An EOI statement -- questions about health conditions answered by an applicant
Medical exam
Tests, such as on the heart
Report from the applicant's doctor
Other information, if needed.

See “Late enrollee.”

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