Evidence of Insurability (EOI)

Evidence of Insurability (EOI) is sometimes required by insurance carriers for life insurance enrollments. Here are a few examples of when the carrier may require the EOI:

The carriers will consider medical history while processing the enrollment application. After they review it, they’ll either approve or deny the application. Due to the sensitive information it contains, carriers will only communicate with you directly if they need additional information and reasons for declining the coverage.

If you have benefits with Gusto, we’ll remind you about your EOI requirements and will submit your EOI to the carrier if you provide it to us within 15 days after you completed your enrollment. After that, any requirements for the EOI will need to be handled between enrollee and the carrier directly.