Evidence of Insurability (EOI) Form Instructions

The Evidence of Insurability (EOI) Form provides additional information necessary to review a request for more Life Insurance coverage. This service provides instructions for completing the Evidence of Insurability (EOI) Form.

When You Need More Life and Disability Coverage 

By completing the Evidence of Insurability (EOI) form, you are providing the additional information needed to review your request. Any Guaranteed Issue amount available to you will be provided regardless of your EOI application.

Getting Started:

  • Know how much insurance you need. 
  • Know how much insurance you already have through your employer, what type of insurance it is, and how much you are eligible for. 
  • Know your/your spouse’s primary health practitioner contact info.

Completing the EOI:

  • Complete all other sections of this form.
  •  If you do not require underwriting for your spouse or children, you do not need to complete those sections.
  •  OPTION section is for Voya Employee Benefits (Voya EB) use only. Do not complete.
  •  The privacy and security of your personal contact and health information is critically important to us.
  •  We will not share your information with your employer or anyone not directly involved in the underwriting process per attached privacy statement.
  • Your signature and date are required.
  • Your spouse’s signature is only required if applying for spouse coverage

Submitting your EOI Application:

  • Make a copy of your EOI form for your records.
  • Submit your EOI form directly to Voya EB for fast and confidential handling via one of the methods below:

Fax to: 1-612-467-8721

Or

Mail to:

ReliaStar Life Insurance Company

PO Box 20, Mail Stop 5-E, Minneapolis, MN 55440

Questions:

  • Call your Benefits Department to verify your current amount of coverage or any Guaranteed Issue amount you may be eligible for.
  • Call Medical Underwriting at 1-800-537-5024, Option 4 if you have questions on how to complete this form or the status of your submitted EOI.

Form Example and Definitions

Form Descriptive Information
(A) (B) (C)
This is the total amount of insurance protection you desire, listed by type of insurance. (NOTE: Coverage available is dependent on the plan offered by your employer.) This is the amount of insurance you already have, listed by type of insurance. If you don’t have current coverage in force, enter “0”. This is the amount your plan allows you to have at this time without submitting the evidence of insurability form. This amount may be your guaranteed issue amount as a new hire or it may be an amount offered during an annual enrollment. If there is no additional guaranteed issue amount available, enter “0”.
Form Example
Coverage Type (A) Total Amount Desired (B) Current Amount (C) Guaranteed Issue Amount (A) – (B) – (C) = Amount To Be Underwritten
checkbox checkedEmployee Supplemental Life $500,000 $0 $100,000 $400,000
checkbox checkedEmployee Short Term Disability*        
checkbox checkedEmployee Long Term Disability*        
checkbox checkedSpouse Supplemental Life $50,000 $10,000 $0 $40,000

*For Employee Short Term Disability and Employee Long Term Disability do not enter dollar amounts for disability coverage.

Definitions:

Employee Supplemental Life Insurance is typically paid for by the employee. It is often chosen as additional coverage when more insurance is needed. Employee Short Term Disability and Long Term Disability coverages can be purchased if allowed by your plan. These are coverages you or your employer pays for, in whole or in part. Spouse Supplemental Life can be purchased as additional protection, if allowed by your plan. It is typically paid for by the employee