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	<title>New answer on: Why do I have to submit Evidence of Insurability after 3 years of deductions?</title>

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		<title>By: Matt Benore</title>

		<link>https://insurancelibrary.com/life-insurance/submit-evidence-insurability-3-years-deductions</link>

		<dc:creator>Matt Benore</dc:creator>

		<pubDate>Wed, 26 Feb 2014 17:30:11 +0000</pubDate>

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		<description><![CDATA[This sounds like a group plan of Life Insurance.  Group plans generally come with 2 types of life insurance coverage.  The first is the &quot;guaranteed&quot; issue the company will pay for or the max under the group coverage with no underwriting required.  The second is additional coverage which may require underwritting.  

I would talk to your HR person to look at the schedule of benefits to see what is guaranteed and what is considered additional with underwritting.  What I am confused about however is why are you just now being asked for more information after paying on it for 3 years.  It many have something to do with the new health care reform.

Start with your HR person or if you have a broker you work with through your employer, contact them.]]></description>

		

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