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What is a grandfathered voluntary life insurance plan?

When an employee who had previous voluntary life coverage enrolls in a new voluntary life plan, the carrier will consider the employee grandfathered up to the previous volume, and will not request Evidence of Insurability (EOI). The comparison is made for the requested volume, which may not necessarily be the maximum guarantee issue of the new plan.

For example:

Old Plan's Volume New Plan's Max GI Requested Volume for New Plan EOI Required?
$130,000 $110,000 $120,000 No
$130,000 $150,000 $150,000 Yes
$130,000 $130,000 $150,000 Yes

Zenefits will automatically determine whether an employee is grandfathered based on previous coverage amounts.

  • Employees who are not grandfathered will be prompted to provide EOI.
  • These rules apply for both carrier switches and plan switches (i.e., between plans with the same carrier).
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