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EVIDENCE OF INSURABILITY Reliance Standard Life Insurance Company Home Office Chicago, Illinois Administrative Office Philadelphia, Pennsylvania INSTRUCTIONS: Employer: Complete Policy No., eligibility

How to fill out evidence of insurability

How to fill out evidence of insurability:

1. Contact your insurance provider: The first step is to reach out to your insurance provider and request the necessary forms to fill out evidence of insurability. They will provide you with the required documents and instructions on how to complete them.
2. Provide personal information: The forms will typically ask for personal information, such as your name, date of birth, address, and contact details. Make sure to provide accurate and up-to-date information.
3. Medical history: You may be required to disclose your medical history, including any pre-existing conditions, current medications, and past surgeries or hospitalizations. It is important to provide complete and honest information to ensure accurate assessment.
4. Family medical history: Some insurance providers may also ask for information about your family's medical history. This can include questions about genetic conditions or diseases that may run in your family. Again, honesty and completeness are crucial.
5. Consent and authorization: You may need to sign consent forms allowing your insurance provider to access and review your medical records, as well as authorization forms for any necessary medical examinations or tests. Read these forms carefully and understand what you are consenting to.
6. Submitting the forms: Once you have completed all the required sections of the forms, double-check for accuracy and make sure you haven't missed any required fields. Gather any supporting documents, such as medical records or test results, if needed. Send the completed forms and supporting documents to your insurance provider, following their instructions for submission.

Who needs evidence of insurability?

1. Individuals applying for life insurance: Most commonly, evidence of insurability is required when applying for life insurance coverage. Insurance companies want to assess the risk associated with providing coverage to an individual, especially if there are potential health risks or pre-existing conditions.
2. Policyholders seeking an increase in coverage: If you are already covered by a life insurance policy but want to increase the amount of coverage, your insurance provider may request evidence of insurability. This ensures that any additional coverage is appropriate based on your current health condition.
3. Changing policy terms or features: If you want to modify certain terms or features of your existing life insurance policy, such as converting a term life policy to a permanent policy, evidence of insurability may be required. This is to determine if the requested changes are suitable based on your current health status.
4. Employees enrolling in voluntary benefits: Some employer-sponsored insurance plans offer voluntary benefits, such as additional life insurance coverage or disability insurance. In such cases, evidence of insurability may be needed to assess the risk before providing the requested coverage.
5. Individuals undergoing a life event: Certain life events, such as getting married, having a child, or adopting a child, may trigger the need for additional life insurance coverage. Evidence of insurability might be required to apply for the new coverage in these situations.

For pdfFiller’s FAQs

What is evidence of insurability?

Evidence of insurability is proof provided by an individual to demonstrate their good health and eligibility for insurance coverage.

Who is required to file evidence of insurability?

Individuals who are applying for certain types of insurance coverage, such as life insurance or disability insurance, may be required to file evidence of insurability.

How to fill out evidence of insurability?

Evidence of insurability can be filled out by providing medical history, undergoing a medical exam, and answering questions about lifestyle factors.

What is the purpose of evidence of insurability?

The purpose of evidence of insurability is to assess the risk that an individual poses to an insurance company, and to determine the premium rates and coverage limits for the individual.

What information must be reported on evidence of insurability?

Information that may be reported on evidence of insurability includes medical history, current health status, lifestyle habits, and family medical history.

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