More Details

Evidence of Insurability (EOI).

It’s a fancy way of saying you need to prove you’re in good health before the insurance company grants you coverage. You must provide EOI when:

  • You increase your existing Supplemental Life coverage.
  • You choose not to buy Supplemental Life or Dependent Life as a new hire, then decide to add coverage later (such as during Open Enrollment).
  • Your Basic Life coverage equals more than $500,000 as a new hire.

When you’re first hired, you may buy Supplemental Life Insurance of 1, 2 or 3 times your annual salary (up to $250,000) without providing EOI, but if you want to buy more than 3 times your annual salary (or greater than $250,000), EOI will be required and must be approved by the insurance carrier. If you are age 60 or older, the maximum coverage amount that you may elect as a new or current Crewmember without EOI will be reduced — you will be notified if EOI is required.

Additional insurance information.

Waiver of Premium — Premiums are waived if you become totally disabled before age 60.

Accelerated Benefit — Up to 100% of your life insurance amount (to a maximum of $500,000) may be paid in the event of terminal illness with a life expectancy of 12 months or less.

Reduction Schedule — Life insurance amounts are reduced to 65% when you reach age 65; to 50% when you reach age 70. AD&D coverage ends at age 70.

About beneficiaries.

Your beneficiary can be one or several people, and the same or different designation for all your Life and AD&D benefits. To add or change your beneficiary, visit The Hartford at If you don’t have this information or need help, call The Hartford at 1-855-396-7655.