There is no guaranteed issue for employees who are age 70 or older at the time of initial eligibility. Any amount of additional employee life insurance that is not guaranteed issue is subject to medical underwriting by the insurance carrier, The Hartford, at the time of the election. You will need to complete a medical questionnaire and submit it to the insurance carrier immediately upon election. The insurance carrier will advise whether your request for additional life insurance is approved or disapproved. Your spouse or domestic partner will also be subject to medical underwriting based on the same rules that apply to employees.
Subsequent enrollment is subject to medical underwriting.