Evidence of Insurability

For Group Life Insurance and for Group Disability Insurance purposes, Evidence of Insurability means you must:

• Complete and sign our health and medical history forms;
• Sign our form authorizing us to obtain your medical history;
• If required by us, at your expense, undergo a physical examination, which may include blood testing; and
• At your expense, provide any additional information about your insurability that we may reasonably require.

For Group Long Term Care purposes, Evidence of Insurability means the information you supply on the Application for Long Term Care Insurance, and may include proof of your medical history, test results, medical exams, physicians’ statements. The insurance company may also require an insurability assessment, and will use all this information to determine whether to approve or deny an Application.