Why do I have to submit Evidence of Insurability after 3 years of deductions? 
This sounds like a group plan of Life Insurance . Group plans generally come with 2 types of life insurance coverage . The first is the `` guaranteed '' issue the company will pay for or the max under the group coverage with no underwriting required . The second is additional coverage which may require underwritting . I would talk to your HR person to look at the schedule of benefits to see what is guaranteed and what is considered additional with underwritting . What I am confused about however is why are you just now being asked for more information after paying on it for 3 years . It many have something to do with the new health care reform . Start with your HR person or if you have a broker you work with through your employer , contact them . 