Evidence of insurability (EOI) is the record of a person’s past and current health events. EOI is used by insurance companies to verify whether a person meets the definition of good health. An EOI form is required to:

• Add short-term or long-term disability coverage or any amount of employee voluntary life insurance coverage during annual enrollment;
• Increase, add, or reinstate employee voluntary group term life insurance greater than 3 times annual salary at any time; or
• Increase, add, or reinstate additional spouse voluntary group life insurance coverage.