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Evidence of Insurability (EOI)

Evidence of Insurability (EOI) is required by insurance carriers if you choose life insurance coverage that exceeds the guaranteed issue (the amount of money the policy pays out). The carriers will consider your medical history while processing the enrollment application and based on the form, they’ll either approve or deny the application.

If you (and/or your dependents) enroll in life insurance through Gusto and you choose coverage over the guaranteed issue, you’ll need to provide an EOI. You will have 15 days after you complete your enrollment to provide the EOI before we submit your application. If you don’t submit this in time, we’ll move forward with your enrollment application. Ultimately, approval is at the discretion of the carrier and they may reach out to you directly to request additional information.