Evidence of Insurability

Learn about Evidence of Insurability and more with Workstream and improve your hiring vocabulary. Workstream helps companies hire better, faster - everyday.
Schedule a Demo Try Workstream for Free

What is the meaning of Evidence of Insurability? 

Evidence of Insurability, also known as EOI, refers to documentation of an individual’s health condition that is submitted to health and life insurance providers. In simpler terms, think of EOI as proof of good health that a person submits as part of the insurance application process. 

Examples of evidence of insurability documents are the medical history and health questionnaires which most insurance providers use. However, insurance carriers can also request for more forms or documents to be accomplished in verifying more specific health concerns. 

Why is Evidence of Insurability important? 

Evidence of insurability is important because it is needed for individuals and their dependents to obtain certain types of insurance. Evidence of insurability documents is significant in benefits eligibility. EOI provides insurance providers with the necessary information so they can study the potential risk and benefits of giving additional insurance coverage for applicants. Because insurance provision is considered a calculated risk, internal underwriters study policies and exceptions to determine whether the insurance carrier can provide the requested insurance coverage. 

What are the requirements to prove Evidence of Insurability? 

The requirement for Evidence of Insurability may vary depending on the type of insurance requested as well as the insurance provider. The most common requirements are a general medical questionnaire and a health history form. While this is the usual EOI used by carriers, other EOI requirements may be more extensive such as additional exams or tests by a licensed medical doctor or professional. 

What are examples of insurance requests that are likely to require Evidence of Insurability? 

Evidence of insurability is typically required to obtain health coverage beyond basic plans. Examples of insurance policy requests that would most likely require additional EOI are: 

Try out Workstream to hire employees for
your business

A revolutionary hiring process for Hourly positions

A revolutionary hiring process for Hourly positions Hiring hourly staff in San Francisco can be a tough job. Workstream can help accelerate the process by letting you post on job boards like Indeed within seconds.


1-Click Job Posting

No more tedious copy and pasting. We integrate with all the top job boards. All applicants funnel into one intuitive dashboard.

Text-to-Apply Posters

Print out your unique QR code and text message number. Applicants scan/text to see all open positions and apply right away.

Automated & 2-Way SMS

Engage with applicants via text. Include links to screening questions, forms, and more. Use 2-way text to answer questions.

Endless Integrations

Connect Workstream to your calendar so applicants can schedule interviews. Streamline onboarding with background check & HR integrations.

Candidate Tracking & Scoring

View all your applicants and employees in one place. Make notes on their progress. Access their docs anytime from anywhere.

Customizable Templates

We provide templates for everything from job postings to offer letters. Send links to docs and tax forms via text message so new hires sign digital copies.

What other owners
think about hiring through Workstream

"Easy to post jobs and we have gotten quite a few responses. "


Lasalle Bristol


Currently hiring on Workstream for:

Assembly Operator Day Shift

Press Operator

Molding Press Operator - Week Days

"Workstream is quick and efficient. I love that an applicant can apply and can have a phone interview within 24 hours, without all the back and forth."


Sylvan Learning Center


Currently hiring on Workstream for:

Reading Teacher

Elementary Teacher (K-2)

Teacher (K-8th)- AFTER SCHOOL

"We had a great outcome so far with Workstream! Both Drew & Ben were awesome with us!"


Haggen Northwest Fresh


Currently hiring on Workstream for:

Assistant Bakery Manager

Head Night Stocker

Head Bakery Sales Clerk