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Application Criteria

  1. An incomplete application will result in the application being denied. The application is not returned, and a denial letter is issued.
  2. The applicant's height and weight are required on page 2 of the application.
  3. Coordinators must complete the top portion. Applications or additional information requested by HealthChoice that are not received by the deadline for Option Period will result in denial of the application. Option Period deadline means postmarked by Oct. 31 or the next business day if Oct. 31 falls on a weekend. New hire applications must be submitted within 30 days of the new employee’s hire date or the member must reapply during the next annual Option Period. 
  4. Approval or denial of an application is sent to the member’s address listed in our file and a copy is sent to the coordinator. 
  5. If a member sends an application during the Option Period for an amount they currently have in place the application will be filed; no response will be sent.
  6. For life insurance requests of $300,000 or greater, a minimum of two years of medical records from a U.S. licensed medical provider are required. Statements of health or letters of health status will no longer be accepted. Only actual medical records with an appropriate history and physical examination will be accepted.   
  7. Costs related to the copying of records for submission are the member’s responsibility. 
  8. EGID does not call or fax physicians’ offices for medical records.
  9. Applicants must complete and submit both pages 1 and 2 of the application. Please be sure the applicant’s name is printed on page 2. If an application is received without both pages completed, the application will not be accepted or processed.
  10. No applications for Option Period coverage are accepted after the close of the Option Period (no exceptions). 
  11. To decrease your life insurance coverage, contact EGID at 405-717-8780 or 800-752-9475. 
Last Modified on Dec 06, 2023
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