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Some insurance plans require you to show you are in good health this is called evidence of insurability for AOI the EOI process is most common with life and disability plans during the EOI process you will typically need to complete a health questionnaire and provides details about your personal medical history and perhaps even the medical history of your spouse you may also be required to get a physical examination with blood work an EO I can be required in a variety of situations such as you apply for an amount that is higher than what the insurance company calls a guaranteed-issue amount, or you apply for coverage outside your designated new higher enrollment period once you complete the EOI process the insurance company will review the information and determine if they can approve the coverage amount if so the insurance company will notify you of the results and provide the next steps required to finish the enrollment process note that if you requested a coverage amount that is higher than the guaranteed-issue amount you will still qualify for the lower guaranteed-issue amount even if you do not qualify for the higher amount