When is evidence of insurability required

The entire application generally takes minutes. It is important that you have all required information to fill out the application, which includes:.

Keep in mind that the insurer may request additional information after reviewing your EOI, including the disclosure of your medical records. Be mindful that there is an exception to this rule; particularly, if you deny the disclosure of such forms, the insurer can still deny you the additional coverage you are seeking.

If you are ultimately denied additional coverage from the insurer, you can appeal the decision in writing, providing an explanation as to the reason your request should not have been denied. You may also provide your insurer with additional medical records to assist them in making a more favorable decision. We and our partners process data to: Actively scan device characteristics for identification.

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Related Terms Term Life Insurance: Uses, Types, Benefits, and More Term life insurance is a type of life insurance that guarantees payment of a death benefit during a specified time period. Convertible Insurance Definition Convertible insurance allows a policyholder to change a term policy into a whole or universal policy without going through another health screening. Understanding Death Benefits A death benefit is a payout to the beneficiary of a life insurance policy, annuity or pension when the insured or annuitant dies.

Annual Renewable Term insurance is term life insurance with a guarantee of future insurability for a set period of years on a renewable basis. Catastrophic illness insurance covers expenses for major health conditions such as heart attack, stroke, or cancer, but does not cover routine care.

Defining Group Universal Life Policy A group universal life policy is universal life insurance offered to a group that is less expensive than what is typically offered to an individual. Partner Links. Related Articles. Health Insurance Life vs. In most cases, you can do this by completing a MetLife Evidence of Insurability form, also known as a Statement of Health.

MetLife may also require you to complete additional steps, such as a physician's exam. The completed form should be returned to MetLife. Acceptance of your Evidence of Insurability will be determined by MetLife in accordance with its medical underwriting guidelines.