Securing Coverage Beyond Standard Options
Sometimes life circumstances require insurance protection beyond what's available through guaranteed issue or initial enrollment periods. Whether you're seeking higher coverage limits or missed the standard 30-day enrollment window, there's still a pathway to obtain the protection you need.
Evidence of Insurability Process
To apply for additional coverage, you'll need to complete an Evidence of Insurability Form, which can be obtained by contacting 4As Benefits directly. This straightforward process involves:
- Form Completion: Document your health information on the carrier's standard form
- Submission to 4As Benefits: Return your completed form via email or fax
- Initial Review: Our team will check for completeness before forwarding to the carrier
- Underwriting Decision: The insurance carrier will evaluate your application
Important Considerations
When applying for coverage through this process:
- The insurance carrier may request additional medical information
- Any costs associated with gathering additional information would be your responsibility
- Approval decisions are made by the insurance carrier based on their underwriting guidelines
- Processing times vary depending on the complexity of your application
Our team is available to guide you through this process, helping you understand requirements and timeframes while ensuring your application is handled efficiently.
