How to Submit Evidence of Insurability for Supplemental Life Insurance

What is EOI (Evidence of Insurability) and when is it needed?

EOI is the information we use to verify your good health when you’re purchasing life insurance. EOI may be required if you are:

  • Buying an insurance amount higher than the guaranteed amount of your plan.
  • Already enrolled and want to increase coverage.

How to Complete Your EOI:

  1. Log in to If you’re a first-time user, register using UNIVEROK2.
  2. Click, “Complete Evidence of Insurability.”
  3. Answer the questions about you and other applicants, such as:
    1. General applicant information, such as date of birth, height, and weight.
    2. Qualifying questions, including if you or other applicants have been diagnosed with a disease or are prescribed medications for a condition.
    3. Medical questions- if you or other applicants have a condition, we may need to know a little more about it, such as the name, diagnosis date, and treatments.
  4. Review your responses, then electronically sign and submit your application.
  5. Save your confirmation report.

Next Steps:

In some cases, you may be automatically approved for coverage. Please send your approval and requested amount of coverage to or

Employee maximum coverage amount is $500,000 or 5 times your annual salary, whichever is less. 

The maximum spouse coverage amount cannot exceed 100% of the employee's approved combined basic and optional life insurance benefit to a maximum of $150,000. 

If you are not automatically approved for coverage, we’ll review your application and contact you if more information is required. In all cases, Lincoln Financial will notify you of the application outcome.

You can also check the status of your application by visiting the website.

Go to Lincoln Financial