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Likewise, Assurance Company PO Box 2272 Seattle, WA 98111-2272 Phone: (425) 918-4575 or (800) 258-0394 Fax: (425) 918-4485 or (800) 628-2380 www.lifewiseac.com INSTRUCTIONS AND INFORMATION FOR COMPLETING

How to fill out evidence of insurability

How to fill out evidence of insurability:

1. Obtain the necessary forms: Contact your insurance company or benefits administrator to obtain the specific forms required to complete the evidence of insurability process. These forms may vary depending on the type of insurance coverage you are applying for.
2. Provide personal information: The forms will typically require you to provide personal information such as your name, address, date of birth, and social security number. Make sure all the information is accurate and up-to-date.
3. Answer health-related questions: The evidence of insurability forms will include a section where you need to answer questions regarding your health history. Be honest and thorough when answering these questions, as providing false information can lead to coverage denial or cancellation.
4. Provide medical records: In some cases, you may be required to submit medical records along with the evidence of insurability forms. These records can help the insurance company assess your health condition accurately. Contact your healthcare provider to request the necessary medical records and ensure they are up-to-date.
5. Submit supporting documents: Depending on the specific requirements of your insurance company, you may need to submit additional supporting documents. This can include lab test results, diagnostic reports, or any other relevant medical documentation that proves your insurability.
6. Pay any required fees: Some insurance companies may charge a processing fee for reviewing your evidence of insurability. Make sure to include any required fees along with the completed forms to avoid any delays in processing your application.

Who needs evidence of insurability?

1. Individuals applying for life insurance: Life insurance policies often require evidence of insurability to assess the applicant's health condition and determine the premium rate.
2. Employees enrolling in employer-sponsored benefits: When enrolling in certain employer-sponsored benefits such as long-term disability insurance or supplemental health coverage, evidence of insurability may be required, especially if the employee is opting for coverage above the standard amount.
3. Individuals applying for high coverage amounts: If you are applying for a significant amount of insurance coverage, such as a high face value on a life insurance policy, the insurance company may request evidence of insurability to assess the risk involved.
4. Individuals with pre-existing health conditions: People with pre-existing health conditions may need to provide evidence of insurability to demonstrate their ability to obtain coverage or to determine the premium rate for the coverage they are seeking.
5. Individuals seeking to increase coverage: If you already have an insurance policy in place but wish to increase the coverage amount, the insurance company may require evidence of insurability to assess whether the increase in coverage is financially viable for both parties.

For pdfFiller’s FAQs

What is evidence of insurability?

Evidence of insurability is proof provided by an individual that they are insurable, typically required when applying for insurance coverage.

Who is required to file evidence of insurability?

Individuals applying for insurance coverage, such as life insurance or disability insurance, are often required to file evidence of insurability.

How to fill out evidence of insurability?

Evidence of insurability is usually filled out by completing a form provided by the insurance company, which may require information about medical history, lifestyle habits, and other factors affecting insurability.

What is the purpose of evidence of insurability?

The purpose of evidence of insurability is for the insurance company to assess the risk associated with insuring an individual, and to determine the premium rates and coverage limits accordingly.

What information must be reported on evidence of insurability?

Information that may be required on evidence of insurability includes medical history, current health status, family medical history, lifestyle habits, and other factors that could affect insurability.

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