Get the free Evidence of Insurability Statement Life and bDisability Coverageb - WMC - wmc

Privacy Notice. In evaluating your insurability, we (Aetna) will rely primarily on the health information you furnish to us in this Evidence of Insurability Statement.

How to fill out evidence of insurability statement

How to fill out an evidence of insurability statement:

1. Begin by carefully reading the instructions provided by your insurance company. This will ensure that you understand the purpose of the form, the information required, and any specific guidelines for completing the statement.
2. Provide your personal information accurately and completely. This typically includes your full name, date of birth, gender, contact details, and social security or insurance identification number.
3. Disclose any relevant medical history. This may include information about past or current illnesses, surgeries, medications, treatments, or hospitalizations. Be thorough and honest when providing this information as any undisclosed conditions could impact the insurability decision.
4. Answer questions related to your lifestyle choices. Insurance companies may want to know about your smoking habits, alcohol consumption, participation in risky activities like skydiving or bungee jumping, or any other factors that could affect your insurability.
5. Depending on the type of insurance coverage you are applying for, you may need to submit additional documentation, such as medical records, lab reports, or a doctor's statement. Ensure that these documents are properly filled out, signed, and attached to the evidence of insurability statement.
6. Review and double-check your completed form before submitting it. Ensure that all sections are filled out accurately, legibly, and without any errors or omissions. This will help expedite the processing of your application.

Who needs evidence of insurability statement?

1. Individuals applying for new life insurance policies may be required to submit an evidence of insurability statement. This allows the insurance company to assess the applicant's overall health and lifestyle to determine the risk involved in providing coverage.
2. Existing policyholders wishing to increase their coverage or make certain changes to their policy, such as adding a rider or increasing the death benefit, may also need to provide evidence of insurability. This ensures that any additional coverage granted is based on the current health status of the insured.
3. Employees enrolling in group insurance plans outside of the open enrollment period may be asked to provide evidence of insurability. This helps employers and insurance carriers manage the risk associated with late enrollments and ensures that individuals are not trying to obtain coverage only when they need it due to an underlying health issue.

By following the steps outlined above and understanding who needs to complete an evidence of insurability statement, you can navigate this process with confidence and increase your chances of a successful insurance application or policy amendment.

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